7643 Church StLemon GroveCA91945
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7643 Church St, Lemon Grove, CA, 91945 in Lemon Grove: $6,694/mo in rent, $817/mo in net income, 8.46% gross yield, 1.57 DSCR, all at $949,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $262,440 in appreciation and $8,749/yr in principal paydown projects total cumulative return of $412,866.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $817 | $1,500 |
City averages based on Lemon Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,694 |
| Total Monthly Debt Service | $5,498 |
| DSCR Ratio | 1.22x |
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 1948
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91945, Lemon Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,392 (100%) |
| Owner Occupied HU | 4,869 (51.8%) |
| Renter Occupied HU | 4,142 (44.1%) |
| Vacant Housing Units | 381 ( 4.1%) |
| Median Home Value | $696,075 |
| Average Home Value | $785,980 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
8,269
Multi-Family
1,059
Businesses
640
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 1948
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91945, Lemon Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,392 (100%) |
| Owner Occupied HU | 4,869 (51.8%) |
| Renter Occupied HU | 4,142 (44.1%) |
| Vacant Housing Units | 381 ( 4.1%) |
| Median Home Value | $696,075 |
| Average Home Value | $785,980 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
8,269
Multi-Family
1,059
Businesses
640
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices