2420 Palm Ave #79San DiegoCA92154
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2420 Palm Ave #79, San Diego, CA, 92154 in San Diego. At $369,900 it earns $2,571/mo in rent and distributes $283/mo to the owner after the $1,663/mo payment, a consistent 8.34% yield. DSCR 1.55 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $102,197 in value; $3,407/yr in principal paydown compounds ownership stake. Total projected return: $158,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.8% |
| Monthly Cash Flow | $283 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,571 |
| Total Monthly Debt Service | $2,141 |
| DSCR Ratio | 1.20x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92154, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,464 (100%) |
| Owner Occupied HU | 14,302 (58.5%) |
| Renter Occupied HU | 9,352 (38.2%) |
| Vacant Housing Units | 810 ( 3.3%) |
| Median Home Value | $631,593 |
| Average Home Value | $636,977 |
Housing Distribution
Address Breakdown
Residential
23,587
Single Family
20,843
Multi-Family
2,744
Businesses
2,046
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92154, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,464 (100%) |
| Owner Occupied HU | 14,302 (58.5%) |
| Renter Occupied HU | 9,352 (38.2%) |
| Vacant Housing Units | 810 ( 3.3%) |
| Median Home Value | $631,593 |
| Average Home Value | $636,977 |
Housing Distribution
Address Breakdown
Residential
23,587
Single Family
20,843
Multi-Family
2,744
Businesses
2,046
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carl Cobb Iv • Advantage Homes
Mls Name: My State MLS
Mls ID: #11627951