4260 44th St APT 331San DiegoCA92115
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4260 44th St APT 331, San Diego, CA, 92115 in San Diego at $280,000 earns $2,164/mo in rent and nets $171/mo after the $1,259/mo payment, a 9.27% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $77,359 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $2,579/yr in principal paydown, total projected return reaches $118,393.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 4.8% |
| Monthly Cash Flow | $171 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,164 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.15x |
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 1983
0.27 Acres lot
$N/A/sqft
$260 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92115, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,973 (100%) |
| Owner Occupied HU | 7,727 (33.6%) |
| Renter Occupied HU | 14,088 (61.3%) |
| Vacant Housing Units | 1,158 ( 5.0%) |
| Median Home Value | $809,891 |
| Average Home Value | $873,607 |
Housing Distribution
Address Breakdown
Residential
22,567
Single Family
14,889
Multi-Family
7,678
Businesses
1,124
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 1983
0.27 Acres lot
$N/A/sqft
$260 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92115, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,973 (100%) |
| Owner Occupied HU | 7,727 (33.6%) |
| Renter Occupied HU | 14,088 (61.3%) |
| Vacant Housing Units | 1,158 ( 5.0%) |
| Median Home Value | $809,891 |
| Average Home Value | $873,607 |
Housing Distribution
Address Breakdown
Residential
22,567
Single Family
14,889
Multi-Family
7,678
Businesses
1,124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A