4173-4175 Pepper DrSan DiegoCA92105
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4173-4175 Pepper Dr, San Diego, CA, 92105 in San Diego at $1,200,000 earns $7,488/mo in rent and nets $65/mo after the $5,396/mo payment, a 7.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $331,538 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $11,052/yr in principal paydown, total projected return reaches $459,137.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 4.8% |
| Monthly Cash Flow | $65 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,488 |
| Total Monthly Debt Service | $6,946 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 1950
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92105, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,296 (100%) |
| Owner Occupied HU | 6,586 (29.5%) |
| Renter Occupied HU | 14,794 (66.4%) |
| Vacant Housing Units | 916 ( 4.1%) |
| Median Home Value | $680,644 |
| Average Home Value | $791,591 |
Housing Distribution
Address Breakdown
Residential
21,939
Single Family
13,879
Multi-Family
8,060
Businesses
865
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 1950
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92105, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,296 (100%) |
| Owner Occupied HU | 6,586 (29.5%) |
| Renter Occupied HU | 14,794 (66.4%) |
| Vacant Housing Units | 916 ( 4.1%) |
| Median Home Value | $680,644 |
| Average Home Value | $791,591 |
Housing Distribution
Address Breakdown
Residential
21,939
Single Family
13,879
Multi-Family
8,060
Businesses
865
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices