1315 Pepper Dr SPACE 35El CajonCA92021
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1315 Pepper Dr SPACE 35, El Cajon, CA, 92021 in El Cajon is a top-tier cash-flow asset. At $315,000 it produces $3,379/mo in rent and $1,431/mo in net monthly income, a 12.87% gross rental yield. The DSCR of 2.39 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $17,167. Five-year appreciation adds $87,029, driving a total cumulative return of $211,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 5.2% |
| Monthly Cash Flow | $1,431 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,379 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 1.85x |
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.
Manufactured
Built in 1998
3,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92021, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,829 (100%) |
| Owner Occupied HU | 12,250 (51.4%) |
| Renter Occupied HU | 10,737 (45.1%) |
| Vacant Housing Units | 842 ( 3.5%) |
| Median Home Value | $687,938 |
| Average Home Value | $714,846 |
Housing Distribution
Address Breakdown
Residential
23,851
Single Family
19,692
Multi-Family
4,159
Businesses
1,493
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
Manufactured
Built in 1998
3,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92021, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,829 (100%) |
| Owner Occupied HU | 12,250 (51.4%) |
| Renter Occupied HU | 10,737 (45.1%) |
| Vacant Housing Units | 842 ( 3.5%) |
| Median Home Value | $687,938 |
| Average Home Value | $714,846 |
Housing Distribution
Address Breakdown
Residential
23,851
Single Family
19,692
Multi-Family
4,159
Businesses
1,493
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices