4972 Providence RdSan DiegoCA92117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4972 Providence Rd, San Diego, CA, 92117 in San Diego worth study. Rental yield 5.04%. The 5.04% gross yield is below cash-flow benchmarks at $1,395,000, but 5% annual appreciation, adding $385,413 over five years, frames this as a capital growth position. Rent of $5,860/mo partially offsets the $6,273/mo payment. Ziffy Mortgage finances appreciation-play properties (0.93 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $350,718.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 4.8% |
| Monthly Cash Flow | $(2,770) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,860 |
| Total Monthly Debt Service | $8,075 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1958
6,000 sqft 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
Single Family
Built in 1958
6,000 sqft 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: Mike Cady • Coastal Premier Properties
Mls Name: SDMLS
Mls ID: #260002768