10832 Macouba PlSan DiegoCA92124
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10832 Macouba Pl, San Diego, CA, 92124 in San Diego is narrow, $91/mo net on $5,176/mo rent after the $3,437/mo debt service, but the property operates at break-even-plus, not a loss. At $725,000 with a 8.57% yield, the long-run equity case via 5% appreciation ($200,304 over five years) and $6,078/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $305,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 4.8% |
| Monthly Cash Flow | $91 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,176 |
| Total Monthly Debt Service | $4,373 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92124, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,592 (100%) |
| Owner Occupied HU | 4,985 (43.0%) |
| Renter Occupied HU | 6,067 (52.3%) |
| Vacant Housing Units | 540 ( 4.7%) |
| Median Home Value | $917,735 |
| Average Home Value | $982,275 |
Housing Distribution
Address Breakdown
Residential
11,541
Single Family
8,390
Multi-Family
3,151
Businesses
197
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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
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Listed by: N/A • N/A
Mls Name: SDMLS
Mls Provider:
Mls ID: #260022490
