3960 Arizona St APT 8San DiegoCA92104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3960 Arizona St APT 8, San Diego, CA, 92104 in San Diego at $540,000 earns $3,672/mo in rent and nets $21/mo after the $2,428/mo payment, a 8.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $149,192 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $4,973/yr in principal paydown, total projected return reaches $226,126.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $21 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,672 |
| Total Monthly Debt Service | $3,126 |
| DSCR Ratio | 1.17x |
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 1980
6,966 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92104, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,381 (100%) |
| Owner Occupied HU | 6,156 (25.2%) |
| Renter Occupied HU | 16,456 (67.5%) |
| Vacant Housing Units | 1,769 ( 7.3%) |
| Median Home Value | $973,137 |
| Average Home Value | $1,060,664 |
Housing Distribution
Address Breakdown
Residential
22,580
Single Family
12,209
Multi-Family
10,371
Businesses
927
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 1980
6,966 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92104, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,381 (100%) |
| Owner Occupied HU | 6,156 (25.2%) |
| Renter Occupied HU | 16,456 (67.5%) |
| Vacant Housing Units | 1,769 ( 7.3%) |
| Median Home Value | $973,137 |
| Average Home Value | $1,060,664 |
Housing Distribution
Address Breakdown
Residential
22,580
Single Family
12,209
Multi-Family
10,371
Businesses
927
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SW26076670