13323 Thunderhead StSan DiegoCA92129
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play13323 Thunderhead St, San Diego, CA, 92129 in San Diego is priced for appreciation, not yield. Rental yield 4.89%. At $1,299,000 with a 4.89% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $358,890 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.91) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $316,074.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 4.8% |
| Monthly Cash Flow | $(2,743) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,293 |
| Total Monthly Debt Service | $7,519 |
| DSCR Ratio | 0.70x |
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.
Single Family
Built in 1980
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
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 1980
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92129, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,761 (100%) |
| Owner Occupied HU | 12,524 (66.8%) |
| Renter Occupied HU | 5,825 (31.0%) |
| Vacant Housing Units | 412 ( 2.2%) |
| Median Home Value | $1,020,421 |
| Average Home Value | $1,124,761 |
Housing Distribution
Address Breakdown
Residential
18,457
Single Family
16,658
Multi-Family
1,799
Businesses
290
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SDMLS
Mls ID: #260006072