2630 Torrey Pines Rd APT E22La JollaCA92037
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2630 Torrey Pines Rd APT E22, La Jolla, CA, 92037 in La Jolla earns its strong cash-flow label: 10.19% yield, $6,695/mo rent, $831/mo net income, DSCR 1.89. The $788,500 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $217,848 by year five. Combined with $7,262/yr in principal paydown, total projected return reaches $415,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 5.5% |
| Monthly Cash Flow | $831 | $400 |
City averages based on La Jolla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,695 |
| Total Monthly Debt Service | $4,564 |
| DSCR Ratio | 1.47x |
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
N/A 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
N/A 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: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #NDP2505167