10770 Black Mountain Rd SPC 154San DiegoCA92126
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 10770 Black Mountain Rd SPC 154, San Diego, CA, 92126 in San Diego speaks for itself: 24.95% gross on a $289,900 price, generating $6,028/mo in rent and $4,234/mo in net income after the $1,304/mo debt service. DSCR 4.62, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $50,811 stacks alongside $80,094 in projected five-year appreciation and $2,670/yr in principal reduction. Projected total cumulative return: $382,404.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 25% | 4.8% |
| Monthly Cash Flow | $4,234 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,028 |
| Total Monthly Debt Service | $1,678 |
| DSCR Ratio | 3.59x |
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.
Manufactured
Built in 1992
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92126, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,181 (100%) |
| Owner Occupied HU | 14,103 (51.9%) |
| Renter Occupied HU | 12,174 (44.8%) |
| Vacant Housing Units | 904 ( 3.3%) |
| Median Home Value | $865,575 |
| Average Home Value | $948,704 |
Housing Distribution
Address Breakdown
Residential
26,625
Single Family
20,637
Multi-Family
5,988
Businesses
1,972
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
Manufactured
Built in 1992
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92126, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,181 (100%) |
| Owner Occupied HU | 14,103 (51.9%) |
| Renter Occupied HU | 12,174 (44.8%) |
| Vacant Housing Units | 904 ( 3.3%) |
| Median Home Value | $865,575 |
| Average Home Value | $948,704 |
Housing Distribution
Address Breakdown
Residential
26,625
Single Family
20,637
Multi-Family
5,988
Businesses
1,972
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices