12374 Carmel Country Rd Unit 208San DiegoCA92130
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 12374 Carmel Country Rd Unit 208, San Diego, CA, 92130 in San Diego is a conservative rental investment at $859,000. Rental yield 6.47%. A 1.20 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $237,326; $7,911/yr in principal paydown supplements. Total projected return: $281,821.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 4.8% |
| Monthly Cash Flow | $(1,164) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,632 |
| Total Monthly Debt Service | $4,972 |
| DSCR Ratio | 0.93x |
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.
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
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 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SDMLS
Mls ID: #260004613