4435 Del Monte AveSan DiegoCA92107
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4435 Del Monte Ave, San Diego, CA, 92107 in San Diego worth study. Rental yield 4.16%. The 4.16% gross yield is below cash-flow benchmarks at $1,800,000, but 5% annual appreciation, adding $497,307 over five years, frames this as a capital growth position. Rent of $6,234/mo partially offsets the $8,094/mo payment. Ziffy Mortgage finances appreciation-play properties (0.77 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $367,093.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.8% |
| Monthly Cash Flow | $(4,901) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,234 |
| Total Monthly Debt Service | $10,419 |
| DSCR Ratio | 0.60x |
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 1947
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92107, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,241 (100%) |
| Owner Occupied HU | 4,807 (33.8%) |
| Renter Occupied HU | 8,280 (58.1%) |
| Vacant Housing Units | 1,154 ( 8.1%) |
| Median Home Value | $1,340,969 |
| Average Home Value | $1,387,522 |
Housing Distribution
Address Breakdown
Residential
13,666
Single Family
9,524
Multi-Family
4,142
Businesses
530
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 1947
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92107, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,241 (100%) |
| Owner Occupied HU | 4,807 (33.8%) |
| Renter Occupied HU | 8,280 (58.1%) |
| Vacant Housing Units | 1,154 ( 8.1%) |
| Median Home Value | $1,340,969 |
| Average Home Value | $1,387,522 |
Housing Distribution
Address Breakdown
Residential
13,666
Single Family
9,524
Multi-Family
4,142
Businesses
530
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bob Woodard • Berkshire Hathaway HomeServices California Properties
Mls Name: SDMLS
Mls ID: #250037746