1775 Diamond St #1-213San DiegoCA92109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1775 Diamond St #1-213, San Diego, CA, 92109 in San Diego is narrow, $95/mo net on $4,286/mo rent after the $2,586/mo debt service, but the property operates at break-even-plus, not a loss. At $575,000 with a 8.95% yield, the long-run equity case via 5% appreciation ($158,862 over five years) and $5,296/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.66 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $226,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 4.8% |
| Monthly Cash Flow | $95 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,286 |
| Total Monthly Debt Service | $3,962 |
| DSCR Ratio | 1.08x |
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.
Townhouse
Built in 1975
N/A lot
$N/A/sqft
$634 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92109, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,029 (100%) |
| Owner Occupied HU | 6,451 (24.8%) |
| Renter Occupied HU | 15,564 (59.8%) |
| Vacant Housing Units | 4,014 (15.4%) |
| Median Home Value | $1,354,265 |
| Average Home Value | $1,414,969 |
Housing Distribution
Address Breakdown
Residential
25,204
Single Family
13,809
Multi-Family
11,395
Businesses
1,619
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
Townhouse
Built in 1975
N/A lot
$N/A/sqft
$634 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92109, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,029 (100%) |
| Owner Occupied HU | 6,451 (24.8%) |
| Renter Occupied HU | 15,564 (59.8%) |
| Vacant Housing Units | 4,014 (15.4%) |
| Median Home Value | $1,354,265 |
| Average Home Value | $1,414,969 |
Housing Distribution
Address Breakdown
Residential
25,204
Single Family
13,809
Multi-Family
11,395
Businesses
1,619
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices