7727 Margerum Ave UNIT 159San DiegoCA92120
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 7727 Margerum Ave UNIT 159, San Diego, CA, 92120 in San Diego deserves attention. This $442,500 property earns $3,835/mo in rent, a 10.4% gross yield, and nets $748/mo after the $1,990/mo payment. DSCR 1.93 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $122,255 compounds alongside $4,075/yr in yearly equity build, for a total cumulative return of $217,425.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 4.8% |
| Monthly Cash Flow | $748 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,835 |
| Total Monthly Debt Service | $2,911 |
| DSCR Ratio | 1.32x |
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.
Condo
Built in 1978
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92120, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,286 (100%) |
| Owner Occupied HU | 8,081 (60.8%) |
| Renter Occupied HU | 4,506 (33.9%) |
| Vacant Housing Units | 699 ( 5.3%) |
| Median Home Value | $927,293 |
| Average Home Value | $1,032,502 |
Housing Distribution
Address Breakdown
Residential
13,316
Single Family
10,844
Multi-Family
2,472
Businesses
900
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
Condo
Built in 1978
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92120, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,286 (100%) |
| Owner Occupied HU | 8,081 (60.8%) |
| Renter Occupied HU | 4,506 (33.9%) |
| Vacant Housing Units | 699 ( 5.3%) |
| Median Home Value | $927,293 |
| Average Home Value | $1,032,502 |
Housing Distribution
Address Breakdown
Residential
13,316
Single Family
10,844
Multi-Family
2,472
Businesses
900
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices