3540 Caminito El Rincon UNIT 75San DiegoCA92130
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3540 Caminito El Rincon UNIT 75, San Diego, CA, 92130 in San Diego. Rental yield 5.64%. At $790,000 with 5.64% gross yield, current distributions are modest, but the 5% appreciation rate projects $218,262 in new equity by year five, complemented by $7,276/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.05) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $198,827.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 4.8% |
| Monthly Cash Flow | $(1,594) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,713 |
| Total Monthly Debt Service | $4,993 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1993
N/A lot
$N/A/sqft
$420 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
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 1993
N/A lot
$N/A/sqft
$420 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices