624 25th StSan DiegoCA92102
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 624 25th St, San Diego, CA, 92102 in San Diego: $5,570/mo in rent, $312/mo in net income, 7.86% gross yield, 1.46 DSCR, all at $850,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $234,839 in appreciation and $7,829/yr in principal paydown projects total cumulative return of $342,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 4.8% |
| Monthly Cash Flow | $312 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,570 |
| Total Monthly Debt Service | $4,920 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 1955
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92102, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,171 (100%) |
| Owner Occupied HU | 4,390 (28.9%) |
| Renter Occupied HU | 9,917 (65.4%) |
| Vacant Housing Units | 864 ( 5.7%) |
| Median Home Value | $806,708 |
| Average Home Value | $874,901 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
10,531
Multi-Family
4,320
Businesses
832
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 1955
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92102, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,171 (100%) |
| Owner Occupied HU | 4,390 (28.9%) |
| Renter Occupied HU | 9,917 (65.4%) |
| Vacant Housing Units | 864 ( 5.7%) |
| Median Home Value | $806,708 |
| Average Home Value | $874,901 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
10,531
Multi-Family
4,320
Businesses
832
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices