1107 Saint George DrEl CajonCA92019
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.52% yield at 1107 Saint George Dr, El Cajon, CA, 92019 in El Cajon is solid, but the $4,384/mo payment compresses net cash flow to $75/mo at $975,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $269,375 by year five, and $8,980/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $374,573.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $75 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,107 |
| Total Monthly Debt Service | $5,644 |
| 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.
Single Family
Built in 2004
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92019, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,429 (100%) |
| Owner Occupied HU | 9,776 (63.4%) |
| Renter Occupied HU | 5,127 (33.2%) |
| Vacant Housing Units | 526 ( 3.4%) |
| Median Home Value | $880,528 |
| Average Home Value | $952,188 |
Housing Distribution
Address Breakdown
Residential
15,313
Single Family
13,866
Multi-Family
1,447
Businesses
431
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 2004
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92019, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,429 (100%) |
| Owner Occupied HU | 9,776 (63.4%) |
| Renter Occupied HU | 5,127 (33.2%) |
| Vacant Housing Units | 526 ( 3.4%) |
| Median Home Value | $880,528 |
| Average Home Value | $952,188 |
Housing Distribution
Address Breakdown
Residential
15,313
Single Family
13,866
Multi-Family
1,447
Businesses
431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #PTP2602451