2406 Torrey Pines Rd UNIT 150La JollaCA92037
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2406 Torrey Pines Rd UNIT 150, La Jolla, CA, 92037 in La Jolla is a solid income-producing rental, 9.17% gross yield, $12,227/mo rent, $1,904/mo net cash flow on a $1,600,000 buy. DSCR 1.70 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $442,051 and $14,736/yr in principal reduction project a total cumulative return of $731,042.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.5% |
| Monthly Cash Flow | $1,904 | $400 |
City averages based on La Jolla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,227 |
| Total Monthly Debt Service | $9,686 |
| DSCR Ratio | 1.26x |
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 2015
1.21 Acres lot
$N/A/sqft
$378 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92037, La Jolla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,119 (100%) |
| Owner Occupied HU | 10,189 (50.6%) |
| Renter Occupied HU | 6,872 (34.2%) |
| Vacant Housing Units | 3,058 (15.2%) |
| Median Home Value | $1,900,024 |
| Average Home Value | $1,722,784 |
Housing Distribution
Address Breakdown
Residential
19,128
Single Family
13,517
Multi-Family
5,611
Businesses
2,245
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 2015
1.21 Acres lot
$N/A/sqft
$378 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92037, La Jolla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,119 (100%) |
| Owner Occupied HU | 10,189 (50.6%) |
| Renter Occupied HU | 6,872 (34.2%) |
| Vacant Housing Units | 3,058 (15.2%) |
| Median Home Value | $1,900,024 |
| Average Home Value | $1,722,784 |
Housing Distribution
Address Breakdown
Residential
19,128
Single Family
13,517
Multi-Family
5,611
Businesses
2,245
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices