12180 Via HaciendaEl CajonCA92019
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 12180 Via Hacienda, El Cajon, CA, 92019 in El Cajon aligned with their strategy. Rental yield 6.79%. DSCR 1.26 and 6.79% 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 $8,556/yr in paydown build toward a projected cumulative return of $320,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.2% |
| Monthly Cash Flow | $(492) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,255 |
| Total Monthly Debt Service | $5,377 |
| DSCR Ratio | 0.98x |
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 1989
6,969 sqft 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
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 1989
6,969 sqft 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Nix • Redfin Corporation
Mls Name: SDMLS
Mls ID: #250036404