6069 Rancho Mission Rd UNIT 105San DiegoCA92108
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6069 Rancho Mission Rd UNIT 105, San Diego, CA, 92108 in San Diego is narrow, $99/mo net on $3,186/mo rent after the $2,244/mo debt service, but the property operates at break-even-plus, not a loss. At $499,000 with a 7.66% yield, the long-run equity case via 5% appreciation ($137,865 over five years) and $4,596/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $99 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,186 |
| Total Monthly Debt Service | $2,888 |
| DSCR Ratio | 1.10x |
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92108, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,512 (100%) |
| Owner Occupied HU | 4,457 (27.0%) |
| Renter Occupied HU | 10,797 (65.4%) |
| Vacant Housing Units | 1,258 ( 7.6%) |
| Median Home Value | $831,334 |
| Average Home Value | $947,172 |
Housing Distribution
Address Breakdown
Residential
15,635
Single Family
8,068
Multi-Family
7,567
Businesses
2,485
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92108, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,512 (100%) |
| Owner Occupied HU | 4,457 (27.0%) |
| Renter Occupied HU | 10,797 (65.4%) |
| Vacant Housing Units | 1,258 ( 7.6%) |
| Median Home Value | $831,334 |
| Average Home Value | $947,172 |
Housing Distribution
Address Breakdown
Residential
15,635
Single Family
8,068
Multi-Family
7,567
Businesses
2,485
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shelly L O Neil • eXp Realty of California, Inc.
Mls Name: SDMLS
Mls ID: #250040640