425 8th StImperial BeachCA91932
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 425 8th St, Imperial Beach, CA, 91932 in Imperial Beach at $999,000, 4.96% gross yield, is a market-growth asset. Rental yield 4.96%. The $4,130/mo rent partially funds the $4,492/mo debt service; the core return is the 5%/yr price growth projected to add $276,005 over five years. Ziffy Mortgage's DSCR mortgage (0.92) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $246,890.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.2% |
| Monthly Cash Flow | $(2,050) | $300 |
City averages based on Imperial Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,130 |
| Total Monthly Debt Service | $5,783 |
| DSCR Ratio | 0.71x |
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 1956
7,630 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91932, Imperial Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,139 (100%) |
| Owner Occupied HU | 3,032 (29.9%) |
| Renter Occupied HU | 6,365 (62.8%) |
| Vacant Housing Units | 742 ( 7.3%) |
| Median Home Value | $883,246 |
| Average Home Value | $945,678 |
Housing Distribution
Address Breakdown
Residential
9,970
Single Family
7,157
Multi-Family
2,813
Businesses
325
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 1956
7,630 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91932, Imperial Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,139 (100%) |
| Owner Occupied HU | 3,032 (29.9%) |
| Renter Occupied HU | 6,365 (62.8%) |
| Vacant Housing Units | 742 ( 7.3%) |
| Median Home Value | $883,246 |
| Average Home Value | $945,678 |
Housing Distribution
Address Breakdown
Residential
9,970
Single Family
7,157
Multi-Family
2,813
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Vance • Spirit Realty, Inc.
Mls Name: CRMLS
Mls ID: #PTP2508847