4600 Lamont St #128San DiegoCA92109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 4600 Lamont St #128, San Diego, CA, 92109 in San Diego offers it: the 1.57 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 8.47%. Long-term, 5% appreciation is forecast to add $136,898, and $4,564/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $168,013.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 4.8% |
| Monthly Cash Flow | $(363) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,497 |
| Total Monthly Debt Service | $3,663 |
| DSCR Ratio | 0.95x |
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.
Condo
Built in 1975
9.83 Acres lot
$N/A/sqft
$634 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92109, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,029 (100%) |
| Owner Occupied HU | 6,451 (24.8%) |
| Renter Occupied HU | 15,564 (59.8%) |
| Vacant Housing Units | 4,014 (15.4%) |
| Median Home Value | $1,354,265 |
| Average Home Value | $1,414,969 |
Housing Distribution
Address Breakdown
Residential
25,204
Single Family
13,809
Multi-Family
11,395
Businesses
1,619
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 1975
9.83 Acres lot
$N/A/sqft
$634 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92109, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,029 (100%) |
| Owner Occupied HU | 6,451 (24.8%) |
| Renter Occupied HU | 15,564 (59.8%) |
| Vacant Housing Units | 4,014 (15.4%) |
| Median Home Value | $1,354,265 |
| Average Home Value | $1,414,969 |
Housing Distribution
Address Breakdown
Residential
25,204
Single Family
13,809
Multi-Family
11,395
Businesses
1,619
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices