2630 Torrey Pines Rd APT E21La JollaCA92037
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 2630 Torrey Pines Rd APT E21, La Jolla, CA, 92037 in La Jolla is a conservative rental investment at $496,000. Rental yield 7.37%. A 1.37 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $137,036; $4,568/yr in principal paydown supplements. Total projected return: $186,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $(1,008) | $400 |
City averages based on La Jolla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,046 |
| Total Monthly Debt Service | $2,871 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 1966
2.69 Acres lot
$N/A/sqft
No 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
Condo
Built in 1966
2.69 Acres lot
$N/A/sqft
No 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
Listed by: Jennifer Wu • Coldwell Banker Realty
Mls Name: SDMLS
Mls ID: #260001903