13300 E Los Coches Rd E #111MEl CajonCA92021
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 13300 E Los Coches Rd E #111M, El Cajon, CA, 92021 in El Cajon achieves a 2.04 ratio at $339,500: $3,114/mo rent versus $1,527/mo debt service. Rental yield 11.01%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 11.01% yield compounds alongside 5% annual appreciation projecting $93,798 in value. Total projected cumulative return: $124,971.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.2% |
| Monthly Cash Flow | $(136) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,114 |
| Total Monthly Debt Service | $3,115 |
| DSCR Ratio | 1.00x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
$1,150 monthly 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 2025
N/A lot
$N/A/sqft
$1,150 monthly 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
Listed by: Marlena Abbey • Pacific Manufactured Homes
Mls Name: My State MLS
Mls ID: #11467778