1686 Pember AveChula VistaCA91913
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1686 Pember Ave, Chula Vista, CA, 91913 in Chula Vista is narrow, $183/mo net on $5,935/mo rent after the $4,181/mo debt service, but the property operates at break-even-plus, not a loss. At $929,900 with a 7.66% yield, the long-run equity case via 5% appreciation ($256,914 over five years) and $8,564/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $364,359.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $183 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,935 |
| Total Monthly Debt Service | $5,383 |
| DSCR Ratio | 1.10x |
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 2009
2,889 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91913, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,041 (100%) |
| Owner Occupied HU | 12,586 (66.1%) |
| Renter Occupied HU | 5,753 (30.2%) |
| Vacant Housing Units | 702 ( 3.7%) |
| Median Home Value | $839,256 |
| Average Home Value | $865,680 |
Housing Distribution
Address Breakdown
Residential
18,609
Single Family
16,075
Multi-Family
2,534
Businesses
172
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 2009
2,889 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91913, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,041 (100%) |
| Owner Occupied HU | 12,586 (66.1%) |
| Renter Occupied HU | 5,753 (30.2%) |
| Vacant Housing Units | 702 ( 3.7%) |
| Median Home Value | $839,256 |
| Average Home Value | $865,680 |
Housing Distribution
Address Breakdown
Residential
18,609
Single Family
16,075
Multi-Family
2,534
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Luis Peraza • Finest City Homes
Mls Name: CRMLS
Mls ID: #PTP2506144