362 Kentucky AveEl CajonCA92020
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 362 Kentucky Ave, El Cajon, CA, 92020 in El Cajon deserves attention. This $545,000 property earns $6,151/mo in rent, a 13.54% gross yield, and nets $2,694/mo after the $2,451/mo payment. DSCR 2.51 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $150,573 compounds alongside $5,020/yr in yearly equity build, for a total cumulative return of $380,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 5.2% |
| Monthly Cash Flow | $2,694 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,151 |
| Total Monthly Debt Service | $3,241 |
| DSCR Ratio | 1.90x |
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 2009
N/A lot
$N/A/sqft
$86 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
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 2009
N/A lot
$N/A/sqft
$86 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices