3184 Mount Miguel DrSan DiegoCA92139
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3184 Mount Miguel Dr, San Diego, CA, 92139 in San Diego deserves attention. This $889,880 property earns $7,946/mo in rent, a 10.72% gross yield, and nets $2,427/mo after the $4,001/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $245,857 compounds alongside $8,196/yr in yearly equity build, for a total cumulative return of $493,693.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 4.8% |
| Monthly Cash Flow | $2,427 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,946 |
| Total Monthly Debt Service | $5,165 |
| DSCR Ratio | 1.54x |
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 1965
9,900 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92139, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,635 (100%) |
| Owner Occupied HU | 6,233 (58.6%) |
| Renter Occupied HU | 4,141 (38.9%) |
| Vacant Housing Units | 261 ( 2.5%) |
| Median Home Value | $664,659 |
| Average Home Value | $792,239 |
Housing Distribution
Address Breakdown
Residential
10,742
Single Family
8,075
Multi-Family
2,667
Businesses
98
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 1965
9,900 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92139, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,635 (100%) |
| Owner Occupied HU | 6,233 (58.6%) |
| Renter Occupied HU | 4,141 (38.9%) |
| Vacant Housing Units | 261 ( 2.5%) |
| Median Home Value | $664,659 |
| Average Home Value | $792,239 |
Housing Distribution
Address Breakdown
Residential
10,742
Single Family
8,075
Multi-Family
2,667
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices