3890 Sipes Ln Space 18San YsidroCA92173
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Ysidro rental at 3890 Sipes Ln Space 18, San Ysidro, CA, 92173 sits in the solid-income band: 8.64% gross yield, $2,052/mo rent, $289/mo net after the $1,282/mo debt service, DSCR 1.60. Entry price of $285,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $78,740 and $2,625/yr in principal reduction bring total cumulative return to $126,635.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $289 | $500 |
City averages based on San Ysidro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,052 |
| Total Monthly Debt Service | $1,650 |
| DSCR Ratio | 1.24x |
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.
Manufactured
Built in 2024
2,000 sqft 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
Manufactured
Built in 2024
2,000 sqft 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: Norma Delgadillo • Realty One Group Pacific
Mls Name: CRMLS
Mls ID: #PTP2508871