3540 Alabama St UNIT 5San DiegoCA92104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 3540 Alabama St UNIT 5, San Diego, CA, 92104 in San Diego delivers $6,386/mo in gross rent and $424/mo in net monthly income at a $888,000 entry. The 8.63% yield and 1.60 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $245,338 over five years and $8,179/yr in equity from loan paydown, total projected return is $365,996.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 4.8% |
| Monthly Cash Flow | $424 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,386 |
| Total Monthly Debt Service | $5,609 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 1980
0.51 Acres lot
$N/A/sqft
$469 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92104, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,381 (100%) |
| Owner Occupied HU | 6,156 (25.2%) |
| Renter Occupied HU | 16,456 (67.5%) |
| Vacant Housing Units | 1,769 ( 7.3%) |
| Median Home Value | $973,137 |
| Average Home Value | $1,060,664 |
Housing Distribution
Address Breakdown
Residential
22,580
Single Family
12,209
Multi-Family
10,371
Businesses
927
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
Townhouse
Built in 1980
0.51 Acres lot
$N/A/sqft
$469 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92104, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,381 (100%) |
| Owner Occupied HU | 6,156 (25.2%) |
| Renter Occupied HU | 16,456 (67.5%) |
| Vacant Housing Units | 1,769 ( 7.3%) |
| Median Home Value | $973,137 |
| Average Home Value | $1,060,664 |
Housing Distribution
Address Breakdown
Residential
22,580
Single Family
12,209
Multi-Family
10,371
Businesses
927
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices