1120 Pepper DrEl CajonCA92021
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1120 Pepper Dr, El Cajon, CA, 92021 in El Cajon is a solid income-producing rental, 9.51% gross yield, $1,308/mo rent, $287/mo net cash flow on a $165,000 buy. DSCR 1.76 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $45,586 and $1,520/yr in principal reduction project a total cumulative return of $81,050.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.2% |
| Monthly Cash Flow | $287 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,308 |
| Total Monthly Debt Service | $955 |
| DSCR Ratio | 1.37x |
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 1971
3,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92021, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,829 (100%) |
| Owner Occupied HU | 12,250 (51.4%) |
| Renter Occupied HU | 10,737 (45.1%) |
| Vacant Housing Units | 842 ( 3.5%) |
| Median Home Value | $687,938 |
| Average Home Value | $714,846 |
Housing Distribution
Address Breakdown
Residential
23,851
Single Family
19,692
Multi-Family
4,159
Businesses
1,493
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 1971
3,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92021, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,829 (100%) |
| Owner Occupied HU | 12,250 (51.4%) |
| Renter Occupied HU | 10,737 (45.1%) |
| Vacant Housing Units | 842 ( 3.5%) |
| Median Home Value | $687,938 |
| Average Home Value | $714,846 |
Housing Distribution
Address Breakdown
Residential
23,851
Single Family
19,692
Multi-Family
4,159
Businesses
1,493
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Giovanna Kajjy Kellems • Coldwell Banker West
Mls Name: CRMLS
Mls ID: #PTP2506912