12143 Callado RdSan DiegoCA92128
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 12143 Callado Rd, San Diego, CA, 92128 in San Diego offers a clean, manageable entry. Rental yield 6.1%. DSCR 1.13 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $217,986 in additional property value over five years, with $7,267/yr in principal equity building ownership stake. Total projected cumulative return: $241,195.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 4.8% |
| Monthly Cash Flow | $(904) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,014 |
| Total Monthly Debt Service | $4,604 |
| DSCR Ratio | 0.87x |
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.
Single Family
Built in 1965
N/A lot
$N/A/sqft
$47 annually 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
Single Family
Built in 1965
N/A lot
$N/A/sqft
$47 annually 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