4859 Cole St UNIT 31San DiegoCA92117
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 4859 Cole St UNIT 31, San Diego, CA, 92117 in San Diego, $501,200, 7.98% gross yield, $169/mo net income. Consider it a market-entry position, the $3,332/mo rent covers the $2,254/mo payment with a margin, and 5%/yr appreciation is projected to add $138,472 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.48) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $201,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 4.8% |
| Monthly Cash Flow | $169 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,332 |
| Total Monthly Debt Service | $2,964 |
| DSCR Ratio | 1.12x |
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.
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92117, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,066 (100%) |
| Owner Occupied HU | 11,650 (55.3%) |
| Renter Occupied HU | 8,621 (40.9%) |
| Vacant Housing Units | 795 ( 3.8%) |
| Median Home Value | $948,688 |
| Average Home Value | $1,052,374 |
Housing Distribution
Address Breakdown
Residential
21,191
Single Family
17,189
Multi-Family
4,002
Businesses
1,111
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
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92117, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,066 (100%) |
| Owner Occupied HU | 11,650 (55.3%) |
| Renter Occupied HU | 8,621 (40.9%) |
| Vacant Housing Units | 795 ( 3.8%) |
| Median Home Value | $948,688 |
| Average Home Value | $1,052,374 |
Housing Distribution
Address Breakdown
Residential
21,191
Single Family
17,189
Multi-Family
4,002
Businesses
1,111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A