13253 Saddle Ridge RdLakesideCA92040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 13253 Saddle Ridge Rd, Lakeside, CA, 92040 in Lakeside speaks for itself: 11.22% gross on a $649,900 price, generating $6,079/mo in rent and $1,739/mo in net income after the $2,922/mo debt service. DSCR 2.08, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $20,866 stacks alongside $179,555 in projected five-year appreciation and $5,986/yr in principal reduction. Projected total cumulative return: $359,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $1,739 | $200 |
City averages based on Lakeside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,079 |
| Total Monthly Debt Service | $4,082 |
| DSCR Ratio | 1.49x |
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.
Townhouse
Built in 1974
4,000 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92040, Lakeside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,189 (100%) |
| Owner Occupied HU | 10,150 (62.7%) |
| Renter Occupied HU | 5,457 (33.7%) |
| Vacant Housing Units | 582 ( 3.6%) |
| Median Home Value | $781,088 |
| Average Home Value | $792,534 |
Housing Distribution
Address Breakdown
Residential
15,720
Single Family
13,953
Multi-Family
1,767
Businesses
793
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 1974
4,000 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92040, Lakeside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,189 (100%) |
| Owner Occupied HU | 10,150 (62.7%) |
| Renter Occupied HU | 5,457 (33.7%) |
| Vacant Housing Units | 582 ( 3.6%) |
| Median Home Value | $781,088 |
| Average Home Value | $792,534 |
Housing Distribution
Address Breakdown
Residential
15,720
Single Family
13,953
Multi-Family
1,767
Businesses
793
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices