10677 Carmel Mountain RdSan DiegoCA92129
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow10677 Carmel Mountain Rd, San Diego, CA, 92129 in San Diego earns its strong cash-flow label: 10.4% yield, $4,760/mo rent, $963/mo net income, DSCR 1.93. The $549,200 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $151,734 by year five. Combined with $5,058/yr in principal paydown, total projected return reaches $271,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 4.8% |
| Monthly Cash Flow | $963 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,760 |
| Total Monthly Debt Service | $3,579 |
| DSCR Ratio | 1.33x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1971
2.29 Acres lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 1971
2.29 Acres lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices