14360 Rios Canyon Rd SPC 72El CajonCA92021
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.53 makes 14360 Rios Canyon Rd SPC 72, El Cajon, CA, 92021 in El Cajon one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.27%. The 8.27% yield, 5% annual appreciation ($96,671 over five years), and $3,223/yr in principal reduction project a total cumulative return of $82,906.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.2% |
| Monthly Cash Flow | $(849) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,411 |
| Total Monthly Debt Service | $3,120 |
| DSCR Ratio | 0.77x |
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 2018
3,500 sqft lot
$N/A/sqft
$1,095 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 2018
3,500 sqft lot
$N/A/sqft
$1,095 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: Tomas Reynoso • Pacific Manufactured Homes
Mls Name: My State MLS
Mls ID: #11400490