3990 Centre St UNIT 104San DiegoCA92103
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3990 Centre St UNIT 104, San Diego, CA, 92103 in San Diego offers a clean, manageable entry. Rental yield 6.24%. DSCR 1.16 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $217,986 in additional property value over five years, with $7,267/yr in principal equity building ownership stake. Total projected cumulative return: $248,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 4.8% |
| Monthly Cash Flow | $(1,352) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,100 |
| Total Monthly Debt Service | $4,567 |
| DSCR Ratio | 0.90x |
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 2005
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92103, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,454 (100%) |
| Owner Occupied HU | 6,477 (30.2%) |
| Renter Occupied HU | 13,269 (61.8%) |
| Vacant Housing Units | 1,708 ( 8.0%) |
| Median Home Value | $1,234,113 |
| Average Home Value | $1,335,912 |
Housing Distribution
Address Breakdown
Residential
20,791
Single Family
10,226
Multi-Family
10,565
Businesses
1,658
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 2005
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92103, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,454 (100%) |
| Owner Occupied HU | 6,477 (30.2%) |
| Renter Occupied HU | 13,269 (61.8%) |
| Vacant Housing Units | 1,708 ( 8.0%) |
| Median Home Value | $1,234,113 |
| Average Home Value | $1,335,912 |
Housing Distribution
Address Breakdown
Residential
20,791
Single Family
10,226
Multi-Family
10,565
Businesses
1,658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayla N Aiello • Real Broker
Mls Name: SDMLS
Mls ID: #2600949