7819 Inception WaySan DiegoCA92108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Diego rental at 7819 Inception Way, San Diego, CA, 92108 sits in the solid-income band: 9.66% gross yield, $8,772/mo rent, $1,557/mo net after the $4,901/mo debt service, DSCR 1.79. Entry price of $1,090,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $301,147 and $10,039/yr in principal reduction bring total cumulative return to $515,608.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 4.8% |
| Monthly Cash Flow | $1,557 | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,772 |
| Total Monthly Debt Service | $6,781 |
| DSCR Ratio | 1.29x |
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 2012
N/A lot
$N/A/sqft
$352 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92108, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,512 (100%) |
| Owner Occupied HU | 4,457 (27.0%) |
| Renter Occupied HU | 10,797 (65.4%) |
| Vacant Housing Units | 1,258 ( 7.6%) |
| Median Home Value | $831,334 |
| Average Home Value | $947,172 |
Housing Distribution
Address Breakdown
Residential
15,635
Single Family
8,068
Multi-Family
7,567
Businesses
2,485
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 2012
N/A lot
$N/A/sqft
$352 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92108, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,512 (100%) |
| Owner Occupied HU | 4,457 (27.0%) |
| Renter Occupied HU | 10,797 (65.4%) |
| Vacant Housing Units | 1,258 ( 7.6%) |
| Median Home Value | $831,334 |
| Average Home Value | $947,172 |
Housing Distribution
Address Breakdown
Residential
15,635
Single Family
8,068
Multi-Family
7,567
Businesses
2,485
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices