4444 W Point Loma Blvd UNIT 16San DiegoCA92107
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4444 W Point Loma Blvd UNIT 16, San Diego, CA, 92107 in San Diego is narrow, $89/mo net on $3,671/mo rent after the $2,604/mo debt service, but the property operates at break-even-plus, not a loss. At $579,000 with a 7.61% yield, the long-run equity case via 5% appreciation ($159,967 over five years) and $5,333/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $225,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.8% |
| Monthly Cash Flow | $89 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,671 |
| Total Monthly Debt Service | $3,351 |
| DSCR Ratio | 1.10x |
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 1966
3.28 Acres 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
Condo
Built in 1966
3.28 Acres 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: Keaton English • Acropolis Enterprise
Mls Name: CRMLS
Mls ID: #PTP2508931