7608 Eads AveLa JollaCA92037
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 7608 Eads Ave, La Jolla, CA, 92037 in La Jolla deserves attention. This $999,900 property earns $10,106/mo in rent, a 12.13% gross yield, and nets $3,152/mo after the $4,496/mo payment. DSCR 2.25 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $276,254 compounds alongside $9,209/yr in yearly equity build, for a total cumulative return of $585,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 5.5% |
| Monthly Cash Flow | $3,152 | $400 |
City averages based on La Jolla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,106 |
| Total Monthly Debt Service | $6,557 |
| DSCR Ratio | 1.54x |
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.
Townhouse
Built in 1966
0.46 Acres lot
$N/A/sqft
$601 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92037, La Jolla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,119 (100%) |
| Owner Occupied HU | 10,189 (50.6%) |
| Renter Occupied HU | 6,872 (34.2%) |
| Vacant Housing Units | 3,058 (15.2%) |
| Median Home Value | $1,900,024 |
| Average Home Value | $1,722,784 |
Housing Distribution
Address Breakdown
Residential
19,128
Single Family
13,517
Multi-Family
5,611
Businesses
2,245
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
Townhouse
Built in 1966
0.46 Acres lot
$N/A/sqft
$601 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92037, La Jolla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,119 (100%) |
| Owner Occupied HU | 10,189 (50.6%) |
| Renter Occupied HU | 6,872 (34.2%) |
| Vacant Housing Units | 3,058 (15.2%) |
| Median Home Value | $1,900,024 |
| Average Home Value | $1,722,784 |
Housing Distribution
Address Breakdown
Residential
19,128
Single Family
13,517
Multi-Family
5,611
Businesses
2,245
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices