6976 Jamacha RdSan DiegoCA92114
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6976 Jamacha Rd, San Diego, CA, 92114 in San Diego is narrow, $10/mo net on $4,198/mo rent after the $3,044/mo debt service, but the property operates at break-even-plus, not a loss. At $677,000 with a 7.44% yield, the long-run equity case via 5% appreciation ($187,043 over five years) and $6,235/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $257,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 4.8% |
| Monthly Cash Flow | $10 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,198 |
| Total Monthly Debt Service | $3,919 |
| DSCR Ratio | 1.07x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92114, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,232 (100%) |
| Owner Occupied HU | 12,342 (67.7%) |
| Renter Occupied HU | 5,475 (30.0%) |
| Vacant Housing Units | 415 ( 2.3%) |
| Median Home Value | $660,569 |
| Average Home Value | $727,276 |
Housing Distribution
Address Breakdown
Residential
18,114
Single Family
16,990
Multi-Family
1,124
Businesses
325
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92114, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,232 (100%) |
| Owner Occupied HU | 12,342 (67.7%) |
| Renter Occupied HU | 5,475 (30.0%) |
| Vacant Housing Units | 415 ( 2.3%) |
| Median Home Value | $660,569 |
| Average Home Value | $727,276 |
Housing Distribution
Address Breakdown
Residential
18,114
Single Family
16,990
Multi-Family
1,124
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices