4451-53 Mentone StSan DiegoCA92107
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4451-53 Mentone St, San Diego, CA, 92107 in San Diego is capital appreciation. Rental yield 4.43%. The 4.43% gross yield at $1,695,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $468,297 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.82) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $370,378.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 4.8% |
| Monthly Cash Flow | $(4,231) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,254 |
| Total Monthly Debt Service | $9,811 |
| DSCR Ratio | 0.64x |
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.
Multi Family
Built in 1983
6,259 sqft 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
Multi Family
Built in 1983
6,259 sqft 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