12232 Allison WaySan DiegoCA92129
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.17% gross rental yield, 12232 Allison Way, San Diego, CA, 92129 in San Diego is priced for capital growth, not immediate cash flow. The $1,070,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $295,870 by year five, with $9,863/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.77) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $219,224.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.8% |
| Monthly Cash Flow | $(2,904) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,721 |
| Total Monthly Debt Service | $6,199 |
| DSCR Ratio | 0.60x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A