7521 El Paso StLa MesaCA91942
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7521 El Paso St, La Mesa, CA, 91942 in La Mesa: $10,728/mo in rent, $2,377/mo in net income, 9.54% gross yield, 1.77 DSCR, all at $1,350,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $372,980 in appreciation and $12,434/yr in principal paydown projects total cumulative return of $664,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.0% |
| Monthly Cash Flow | $2,377 | $2,500 |
City averages based on La Mesa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,728 |
| Total Monthly Debt Service | $7,814 |
| DSCR Ratio | 1.37x |
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 1968
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91942, La Mesa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,258 (100%) |
| Owner Occupied HU | 7,627 (41.8%) |
| Renter Occupied HU | 9,788 (53.6%) |
| Vacant Housing Units | 843 ( 4.6%) |
| Median Home Value | $801,305 |
| Average Home Value | $819,949 |
Housing Distribution
Address Breakdown
Residential
18,277
Single Family
11,551
Multi-Family
6,726
Businesses
1,819
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 1968
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91942, La Mesa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,258 (100%) |
| Owner Occupied HU | 7,627 (41.8%) |
| Renter Occupied HU | 9,788 (53.6%) |
| Vacant Housing Units | 843 ( 4.6%) |
| Median Home Value | $801,305 |
| Average Home Value | $819,949 |
Housing Distribution
Address Breakdown
Residential
18,277
Single Family
11,551
Multi-Family
6,726
Businesses
1,819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices