4600 Lamont St #204San DiegoCA92109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 4600 Lamont St #204, San Diego, CA, 92109 in San Diego achieves 1.66, rent of $4,931/mo covers the $2,968/mo payment 1.5x over at $660,000. Rental yield 8.97%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $182,346 over five years, with $6,079/yr in principal reduction bringing total projected return to $304,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 4.8% |
| Monthly Cash Flow | $(30) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,931 |
| Total Monthly Debt Service | $3,820 |
| DSCR Ratio | 1.29x |
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.
Single Family
Built in 1975
9.83 Acres lot
$N/A/sqft
No 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
Single Family
Built in 1975
9.83 Acres lot
$N/A/sqft
No 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
Listed by: Julie Wilhelmy • Wilhelmy Realty
Mls Name: SDMLS
Mls ID: #260003634