500 W Harbor Dr UNIT 135San DiegoCA92101
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.52 makes 500 W Harbor Dr UNIT 135, San Diego, CA, 92101 in San Diego one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.2%. The 8.2% yield, 5% annual appreciation ($324,631 over five years), and $10,822/yr in principal reduction project a total cumulative return of $404,379.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $(740) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,029 |
| Total Monthly Debt Service | $8,302 |
| DSCR Ratio | 0.97x |
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.
Condo
Built in 1994
2.35 Acres lot
$N/A/sqft
$1,167 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92101, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 38,969 (100%) |
| Owner Occupied HU | 6,370 (16.3%) |
| Renter Occupied HU | 25,620 (65.7%) |
| Vacant Housing Units | 6,979 (17.9%) |
| Median Home Value | $957,131 |
| Average Home Value | $1,143,507 |
Housing Distribution
Address Breakdown
Residential
32,920
Single Family
6,899
Multi-Family
26,021
Businesses
4,096
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 1994
2.35 Acres lot
$N/A/sqft
$1,167 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92101, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 38,969 (100%) |
| Owner Occupied HU | 6,370 (16.3%) |
| Renter Occupied HU | 25,620 (65.7%) |
| Vacant Housing Units | 6,979 (17.9%) |
| Median Home Value | $957,131 |
| Average Home Value | $1,143,507 |
Housing Distribution
Address Breakdown
Residential
32,920
Single Family
6,899
Multi-Family
26,021
Businesses
4,096
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices