146 Little Oaks RdEncinitasCA92024
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 146 Little Oaks Rd, Encinitas, CA, 92024 in Encinitas: $12,752/mo in rent, $2,167/mo in net income, 9.01% gross yield, 1.67 DSCR, all at $1,699,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $469,402 in appreciation and $15,648/yr in principal paydown projects total cumulative return of $783,939.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.2% |
| Monthly Cash Flow | $2,167 | $300 |
City averages based on Encinitas market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,752 |
| Total Monthly Debt Service | $9,909 |
| DSCR Ratio | 1.29x |
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.
Single Family
Built in 1975
6,800 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92024, Encinitas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,979 (100%) |
| Owner Occupied HU | 13,451 (61.2%) |
| Renter Occupied HU | 6,872 (31.3%) |
| Vacant Housing Units | 1,656 ( 7.5%) |
| Median Home Value | $1,556,280 |
| Average Home Value | $1,573,906 |
Housing Distribution
Address Breakdown
Residential
20,654
Single Family
18,109
Multi-Family
2,545
Businesses
2,033
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 1975
6,800 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92024, Encinitas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,979 (100%) |
| Owner Occupied HU | 13,451 (61.2%) |
| Renter Occupied HU | 6,872 (31.3%) |
| Vacant Housing Units | 1,656 ( 7.5%) |
| Median Home Value | $1,556,280 |
| Average Home Value | $1,573,906 |
Housing Distribution
Address Breakdown
Residential
20,654
Single Family
18,109
Multi-Family
2,545
Businesses
2,033
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices