12094 Caminito CampanaSan DiegoCA92128
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12094 Caminito Campana, San Diego, CA, 92128 in San Diego at $599,000 earns $3,737/mo in rent and nets $31/mo after the $2,693/mo payment, a 7.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $165,493 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,517/yr in principal paydown, total projected return reaches $229,204.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 4.8% |
| Monthly Cash Flow | $31 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,737 |
| Total Monthly Debt Service | $3,467 |
| 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.
Condo
Built in 1974
N/A 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 1974
N/A 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: Laurel Shields • RE/MAX Connections
Mls Name: SDMLS
Mls ID: #250039620