12069 Calle De Medio Unit 108El CajonCA92019
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing12069 Calle De Medio Unit 108, El Cajon, CA, 92019 in El Cajon is a stable, well-positioned rental at $509,000. Rental yield 6.72%. DSCR 1.18 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $140,627 in value and $4,267/yr in principal paydown builds equity, a total projected return of $164,153.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 5.2% |
| Monthly Cash Flow | $(702) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,849 |
| Total Monthly Debt Service | $3,070 |
| DSCR Ratio | 0.93x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1991
2.70 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #PTP2607133
