1291 Camino Carmelo UNIT 148Chula VistaCA91913
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1291 Camino Carmelo UNIT 148, Chula Vista, CA, 91913 in Chula Vista. Rental yield 6.46%. The 1.20 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $193,673 and $6,456/yr in principal reduction project total return of $229,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 5.5% |
| Monthly Cash Flow | $(566) | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,771 |
| Total Monthly Debt Service | $4,058 |
| 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.
Townhouse
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91913, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,041 (100%) |
| Owner Occupied HU | 12,586 (66.1%) |
| Renter Occupied HU | 5,753 (30.2%) |
| Vacant Housing Units | 702 ( 3.7%) |
| Median Home Value | $839,256 |
| Average Home Value | $865,680 |
Housing Distribution
Address Breakdown
Residential
18,609
Single Family
16,075
Multi-Family
2,534
Businesses
172
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 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91913, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,041 (100%) |
| Owner Occupied HU | 12,586 (66.1%) |
| Renter Occupied HU | 5,753 (30.2%) |
| Vacant Housing Units | 702 ( 3.7%) |
| Median Home Value | $839,256 |
| Average Home Value | $865,680 |
Housing Distribution
Address Breakdown
Residential
18,609
Single Family
16,075
Multi-Family
2,534
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Tapia • Empire Real Estate Consultants
Mls Name: CRMLS
Mls ID: #PTP2506335