4888 1/2 Old Cliffs RdSan DiegoCA92120
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4888 1/2 Old Cliffs Rd, San Diego, CA, 92120 in San Diego at $259,999 earns $1,744/mo in rent and nets $136/mo after the $1,233/mo payment, a 8.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,833 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $2,180/yr in principal paydown, total projected return reaches $102,435.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.8% |
| Monthly Cash Flow | $136 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,744 |
| Total Monthly Debt Service | $1,568 |
| DSCR Ratio | 1.11x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92120, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,286 (100%) |
| Owner Occupied HU | 8,081 (60.8%) |
| Renter Occupied HU | 4,506 (33.9%) |
| Vacant Housing Units | 699 ( 5.3%) |
| Median Home Value | $927,293 |
| Average Home Value | $1,032,502 |
Housing Distribution
Address Breakdown
Residential
13,316
Single Family
10,844
Multi-Family
2,472
Businesses
900
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11940094
