640 E J StChula VistaCA91910








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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


Investment Highlights
Total monthly income runs $4,787/mo, and a $4,797/mo payment. Purchase price stands at $980,000, and rental yield measures 5.86% with $4,787/mo rent. Return on cash invested shows 15.31% in year one, and 5% annual appreciation builds toward $270,756 over five years. Five-year ROI reaches 78.16% and total cumulative return in cash records $252,000. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $4,787/mo property income covering a $4,797/mo payment rather than investor’s personal income.
Single Family
Built in 1970
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91910, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,114 (100%) |
| Owner Occupied HU | 12,610 (44.9%) |
| Renter Occupied HU | 14,311 (50.9%) |
| Vacant Housing Units | 1,193 ( 4.2%) |
| Median Home Value | $770,260 |
| Average Home Value | $759,874 |
Housing Distribution
Address Breakdown
Residential
27,575
Single Family
21,145
Multi-Family
6,430
Businesses
1,742
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Listed by: James L Freitas • James L. Freitas Realty
Mls Name: SDMLS
Mls ID: #250042515








