2439 Nielsen StEl CajonCA92020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2439 Nielsen St, El Cajon, CA, 92020 in El Cajon earns a 8.44% gross yield at $785,000. Rent of $5,520/mo nets $474/mo after the $3,530/mo mortgage. The 1.56 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $216,881 and $7,230/yr in equity accumulation project a total cumulative return of $340,394.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $474 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,520 |
| Total Monthly Debt Service | $4,544 |
| DSCR Ratio | 1.21x |
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 1986
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
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 1986
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SW26051862