1661 Pepper DrEl CajonCA92021
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 1661 Pepper Dr, El Cajon, CA, 92021 in El Cajon is a conservative rental investment at $830,000. Rental yield 6.82%. A 1.26 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $229,314; $7,644/yr in principal paydown supplements. Total projected return: $287,730.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.2% |
| Monthly Cash Flow | $(420) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,715 |
| Total Monthly Debt Service | $4,804 |
| DSCR Ratio | 0.98x |
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 1965
0.44 Acres lot
$N/A/sqft
No 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
Single Family
Built in 1965
0.44 Acres lot
$N/A/sqft
No 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: Dalia Hirmez • Keller Williams Realty
Mls Name: CRMLS
Mls ID: #PTP2506996