1227 Sunrise Vw Unit 105San MarcosCA92078
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1227 Sunrise Vw Unit 105, San Marcos, CA, 92078 in San Marcos is narrow, $162/mo net on $4,942/mo rent after the $3,215/mo debt service, but the property operates at break-even-plus, not a loss. At $715,000 with a 8.29% yield, the long-run equity case via 5% appreciation ($197,541 over five years) and $6,585/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $304,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $162 | $300 |
City averages based on San Marcos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,942 |
| Total Monthly Debt Service | $4,139 |
| DSCR Ratio | 1.19x |
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.
Townhouse
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92078, San Marcos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,488 (100%) |
| Owner Occupied HU | 12,924 (66.3%) |
| Renter Occupied HU | 5,628 (28.9%) |
| Vacant Housing Units | 936 ( 4.8%) |
| Median Home Value | $963,925 |
| Average Home Value | $1,041,277 |
Housing Distribution
Address Breakdown
Residential
18,839
Single Family
16,170
Multi-Family
2,669
Businesses
1,462
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92078, San Marcos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,488 (100%) |
| Owner Occupied HU | 12,924 (66.3%) |
| Renter Occupied HU | 5,628 (28.9%) |
| Vacant Housing Units | 936 ( 4.8%) |
| Median Home Value | $963,925 |
| Average Home Value | $1,041,277 |
Housing Distribution
Address Breakdown
Residential
18,839
Single Family
16,170
Multi-Family
2,669
Businesses
1,462
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Odila Enciso • HomeSmart Realty West
Mls Name: CRMLS
Mls ID: #NDP2601728