11872 Bernardo Ter Unit ESan DiegoCA92128
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 11872 Bernardo Ter Unit E, San Diego, CA, 92128 in San Diego aligned with their strategy. Rental yield 6.2%. DSCR 1.15 and 6.2% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $7,590/yr in paydown build toward a projected cumulative return of $258,422.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 4.8% |
| Monthly Cash Flow | $(1,501) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,258 |
| Total Monthly Debt Service | $4,770 |
| DSCR Ratio | 0.89x |
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.
Condo
Built in 1979
3.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92128, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,022 (100%) |
| Owner Occupied HU | 13,506 (64.2%) |
| Renter Occupied HU | 6,692 (31.8%) |
| Vacant Housing Units | 824 ( 3.9%) |
| Median Home Value | $937,973 |
| Average Home Value | $1,034,672 |
Housing Distribution
Address Breakdown
Residential
20,982
Single Family
14,404
Multi-Family
6,578
Businesses
1,072
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 1979
3.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92128, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,022 (100%) |
| Owner Occupied HU | 13,506 (64.2%) |
| Renter Occupied HU | 6,692 (31.8%) |
| Vacant Housing Units | 824 ( 3.9%) |
| Median Home Value | $937,973 |
| Average Home Value | $1,034,672 |
Housing Distribution
Address Breakdown
Residential
20,982
Single Family
14,404
Multi-Family
6,578
Businesses
1,072
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Quan V Nguyen • eXp Realty of California, Inc.
Mls Name: SDMLS
Mls ID: #260001624