11023 Viacha DrSan DiegoCA92124
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 11023 Viacha Dr, San Diego, CA, 92124 in San Diego worth study. Rental yield 4.39%. The 4.39% gross yield is below cash-flow benchmarks at $1,599,000, but 5% annual appreciation, adding $441,774 over five years, frames this as a capital growth position. Rent of $5,850/mo partially offsets the $7,190/mo payment. Ziffy Mortgage finances appreciation-play properties (0.81 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $346,222.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 4.8% |
| Monthly Cash Flow | $(4,042) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,850 |
| Total Monthly Debt Service | $9,255 |
| DSCR Ratio | 0.63x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1978
0.41 Acres 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
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
Single Family
Built in 1978
0.41 Acres 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Saied Mojabi • Coldwell Banker Realty
Mls Name: SDMLS
Mls ID: #250042636