1288 Stamen StSan DiegoCA92114
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1288 Stamen St, San Diego, CA, 92114 in San Diego speaks for itself: 12.33% gross on a $775,000 price, generating $7,963/mo in rent and $3,169/mo in net income after the $3,485/mo debt service. DSCR 2.28, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $38,027 stacks alongside $214,118 in projected five-year appreciation and $7,138/yr in principal reduction. Projected total cumulative return: $497,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 4.8% |
| Monthly Cash Flow | $3,169 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,963 |
| Total Monthly Debt Service | $4,486 |
| DSCR Ratio | 1.78x |
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.
Single Family
Built in 1979
6,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92114, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,232 (100%) |
| Owner Occupied HU | 12,342 (67.7%) |
| Renter Occupied HU | 5,475 (30.0%) |
| Vacant Housing Units | 415 ( 2.3%) |
| Median Home Value | $660,569 |
| Average Home Value | $727,276 |
Housing Distribution
Address Breakdown
Residential
18,114
Single Family
16,990
Multi-Family
1,124
Businesses
325
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 1979
6,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92114, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,232 (100%) |
| Owner Occupied HU | 12,342 (67.7%) |
| Renter Occupied HU | 5,475 (30.0%) |
| Vacant Housing Units | 415 ( 2.3%) |
| Median Home Value | $660,569 |
| Average Home Value | $727,276 |
Housing Distribution
Address Breakdown
Residential
18,114
Single Family
16,990
Multi-Family
1,124
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices