462 S Anza StEl CajonCA92020
INVESTMENT ANALYSIS
Investment Verdict
Solid Income462 S Anza St, El Cajon, CA, 92020 in El Cajon carries a 1.55 coverage ratio, rent of $2,951/mo is 1.55 times the $1,905/mo payment. Rental yield 8.36%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $423,700 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $117,061; total projected cumulative return: $160,120.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $(34) | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,951 |
| Total Monthly Debt Service | $2,816 |
| DSCR Ratio | 1.05x |
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 1978
1.84 Acres lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
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 1978
1.84 Acres lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A