3557 Caminito Carmel LndgSan DiegoCA92130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.05% yield at 3557 Caminito Carmel Lndg, San Diego, CA, 92130 in San Diego is solid, but the $4,946/mo payment compresses net cash flow to $91/mo at $1,099,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $303,882 by year five, and $10,130/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $425,018.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.8% |
| Monthly Cash Flow | $91 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,380 |
| Total Monthly Debt Service | $6,852 |
| DSCR Ratio | 1.08x |
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 1984
2.91 Acres lot
$N/A/sqft
$485 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 1984
2.91 Acres lot
$N/A/sqft
$485 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