5875 Reo Ter UNIT ESan DiegoCA92139
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder5875 Reo Ter UNIT E, San Diego, CA, 92139 in San Diego earns a respectable 7.79% gross yield at $546,000, but after the $2,455/mo mortgage the net cash flow is $167/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.44) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $150,850 over five years, making equity the dominant return driver. Total projected return: $217,800.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $167 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,545 |
| Total Monthly Debt Service | $3,160 |
| 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.
Condo
Built in 1982
4.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92139, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,635 (100%) |
| Owner Occupied HU | 6,233 (58.6%) |
| Renter Occupied HU | 4,141 (38.9%) |
| Vacant Housing Units | 261 ( 2.5%) |
| Median Home Value | $664,659 |
| Average Home Value | $792,239 |
Housing Distribution
Address Breakdown
Residential
10,742
Single Family
8,075
Multi-Family
2,667
Businesses
98
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 1982
4.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92139, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,635 (100%) |
| Owner Occupied HU | 6,233 (58.6%) |
| Renter Occupied HU | 4,141 (38.9%) |
| Vacant Housing Units | 261 ( 2.5%) |
| Median Home Value | $664,659 |
| Average Home Value | $792,239 |
Housing Distribution
Address Breakdown
Residential
10,742
Single Family
8,075
Multi-Family
2,667
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gloria Castorena • Excellence RE Real Estate
Mls Name: CRMLS
Mls ID: #IG25222760