3825 Center St #24San YsidroCA92173
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3825 Center St #24, San Ysidro, CA, 92173 in San Ysidro worth study. Rental yield 5.23%. The 5.23% gross yield is below cash-flow benchmarks at $699,000, but 5% annual appreciation, adding $193,121 over five years, frames this as a capital growth position. Rent of $3,049/mo partially offsets the $3,143/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $183,033.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(1,719) | $500 |
City averages based on San Ysidro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,049 |
| Total Monthly Debt Service | $4,046 |
| DSCR Ratio | 0.75x |
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92173, San Ysidro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,352 (100%) |
| Owner Occupied HU | 2,862 (34.3%) |
| Renter Occupied HU | 5,293 (63.4%) |
| Vacant Housing Units | 197 ( 2.4%) |
| Median Home Value | $577,840 |
| Average Home Value | $691,130 |
Housing Distribution
Address Breakdown
Residential
7,810
Single Family
5,491
Multi-Family
2,319
Businesses
660
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92173, San Ysidro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,352 (100%) |
| Owner Occupied HU | 2,862 (34.3%) |
| Renter Occupied HU | 5,293 (63.4%) |
| Vacant Housing Units | 197 ( 2.4%) |
| Median Home Value | $577,840 |
| Average Home Value | $691,130 |
Housing Distribution
Address Breakdown
Residential
7,810
Single Family
5,491
Multi-Family
2,319
Businesses
660
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SDMLS
Mls ID: #260007405