12608 Carmel Country Rd UNIT 36San DiegoCA92130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12608 Carmel Country Rd UNIT 36, San Diego, CA, 92130 in San Diego at $999,000 earns $6,755/mo in rent and nets $12/mo after the $4,492/mo payment, a 8.11% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $276,005 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $9,201/yr in principal paydown, total projected return reaches $382,082.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.8% |
| Monthly Cash Flow | $12 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,755 |
| Total Monthly Debt Service | $6,345 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 1993
0.88 Acres lot
$N/A/sqft
$550 monthly 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 1993
0.88 Acres lot
$N/A/sqft
$550 monthly 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