6012 Village Center Loop Rd #35San DiegoCA92130
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 6012 Village Center Loop Rd #35, San Diego, CA, 92130 in San Diego the bet is firmly on appreciation. Rental yield 4.71%. The 4.71% gross yield on a $1,490,000 price is below income-first thresholds, but 5%/yr value growth projects $411,660 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.87) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $348,025.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 4.8% |
| Monthly Cash Flow | $(3,736) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,846 |
| Total Monthly Debt Service | $8,625 |
| DSCR Ratio | 0.68x |
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.
Townhouse
Built in 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
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
Townhouse
Built in 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92130, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,073 (100%) |
| Owner Occupied HU | 13,880 (57.7%) |
| Renter Occupied HU | 9,028 (37.5%) |
| Vacant Housing Units | 1,165 ( 4.8%) |
| Median Home Value | $1,608,954 |
| Average Home Value | $1,582,882 |
Housing Distribution
Address Breakdown
Residential
23,230
Single Family
16,537
Multi-Family
6,693
Businesses
953
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hang Lai • Hang Lai, Broker
Mls Name: SDMLS
Mls ID: #260001864