4029 Alta Loma DrJamulCA91935
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4029 Alta Loma Dr, Jamul, CA, 91935 in Jamul is priced for appreciation, not yield. Rental yield 3.54%. At $1,949,000 with a 3.54% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $538,473 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.66) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $332,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.0% |
| Monthly Cash Flow | $(6,312) | $1,200 |
City averages based on Jamul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,744 |
| Total Monthly Debt Service | $11,281 |
| DSCR Ratio | 0.51x |
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.
Single Family
Built in 1993
5.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91935, Jamul, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,276 (100%) |
| Owner Occupied HU | 2,687 (82.0%) |
| Renter Occupied HU | 439 (13.4%) |
| Vacant Housing Units | 150 ( 4.6%) |
| Median Home Value | $980,741 |
| Average Home Value | $1,096,911 |
Housing Distribution
Address Breakdown
Residential
2,918
Single Family
2,916
Multi-Family
2
Businesses
197
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
Single Family
Built in 1993
5.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91935, Jamul, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,276 (100%) |
| Owner Occupied HU | 2,687 (82.0%) |
| Renter Occupied HU | 439 (13.4%) |
| Vacant Housing Units | 150 ( 4.6%) |
| Median Home Value | $980,741 |
| Average Home Value | $1,096,911 |
Housing Distribution
Address Breakdown
Residential
2,918
Single Family
2,916
Multi-Family
2
Businesses
197
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Padilla • Ritual Realty
Mls Name: SDMLS
Mls ID: #250040483