10832 Scripps Ranch Blvd APT 306San DiegoCA92131
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10832 Scripps Ranch Blvd APT 306, San Diego, CA, 92131 in San Diego is narrow, $86/mo net on $5,522/mo rent after the $3,593/mo debt service, but the property operates at break-even-plus, not a loss. At $799,000 with a 8.29% yield, the long-run equity case via 5% appreciation ($220,749 over five years) and $7,359/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $310,623.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.8% |
| Monthly Cash Flow | $86 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,522 |
| Total Monthly Debt Service | $5,118 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in 2002
9.10 Acres lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92131, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,724 (100%) |
| Owner Occupied HU | 9,944 (72.5%) |
| Renter Occupied HU | 3,238 (23.6%) |
| Vacant Housing Units | 542 ( 3.9%) |
| Median Home Value | $1,234,355 |
| Average Home Value | $1,290,860 |
Housing Distribution
Address Breakdown
Residential
13,081
Single Family
11,517
Multi-Family
1,564
Businesses
738
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
Condo
Built in 2002
9.10 Acres lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92131, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,724 (100%) |
| Owner Occupied HU | 9,944 (72.5%) |
| Renter Occupied HU | 3,238 (23.6%) |
| Vacant Housing Units | 542 ( 3.9%) |
| Median Home Value | $1,234,355 |
| Average Home Value | $1,290,860 |
Housing Distribution
Address Breakdown
Residential
13,081
Single Family
11,517
Multi-Family
1,564
Businesses
738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices