4944 Old Cliffs RdSan DiegoCA92120
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4944 Old Cliffs Rd, San Diego, CA, 92120 in San Diego at $249,900 earns $1,714/mo in rent and nets $168/mo after the $1,124/mo payment, a 8.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,043 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,302/yr in principal paydown, total projected return reaches $105,593.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $168 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,714 |
| Total Monthly Debt Service | $1,446 |
| DSCR Ratio | 1.18x |
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.
Manufactured
Built in 1966
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
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
Manufactured
Built in 1966
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jesse Germain • TXR Homes, Inc.
Mls Name: SDMLS
Mls ID: #250030829