3554 Island AveSan DiegoCA92102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3554 Island Ave, San Diego, CA, 92102 in San Diego. At $725,000 it earns $5,543/mo in rent and distributes $1,058/mo to the owner after the $3,260/mo payment, a consistent 9.17% yield. DSCR 1.70 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $200,304 in value; $6,677/yr in principal paydown compounds ownership stake. Total projected return: $343,011.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 4.8% |
| Monthly Cash Flow | $1,058 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,543 |
| Total Monthly Debt Service | $4,197 |
| DSCR Ratio | 1.32x |
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 1961
7,112 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92102, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,171 (100%) |
| Owner Occupied HU | 4,390 (28.9%) |
| Renter Occupied HU | 9,917 (65.4%) |
| Vacant Housing Units | 864 ( 5.7%) |
| Median Home Value | $806,708 |
| Average Home Value | $874,901 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
10,531
Multi-Family
4,320
Businesses
832
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 1961
7,112 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92102, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,171 (100%) |
| Owner Occupied HU | 4,390 (28.9%) |
| Renter Occupied HU | 9,917 (65.4%) |
| Vacant Housing Units | 864 ( 5.7%) |
| Median Home Value | $806,708 |
| Average Home Value | $874,901 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
10,531
Multi-Family
4,320
Businesses
832
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dylan Valenzuela • LPT Realty,Inc
Mls Name: SDMLS
Mls ID: #260002251