7820 La Mesa Summit DrLa MesaCA91941
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 7820 La Mesa Summit Dr, La Mesa, CA, 91941 in La Mesa. At $1,849,990 it earns $12,505/mo in rent and distributes $593/mo to the owner after the $8,319/mo payment, a consistent 8.11% yield. DSCR 1.50 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $511,118 in value; $17,039/yr in principal paydown compounds ownership stake. Total projected return: $741,636.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.0% |
| Monthly Cash Flow | $593 | $2,500 |
City averages based on La Mesa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,505 |
| Total Monthly Debt Service | $11,176 |
| DSCR Ratio | 1.12x |
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 2024
N/A lot
$N/A/sqft
$468 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91941, La Mesa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,501 (100%) |
| Owner Occupied HU | 7,532 (55.8%) |
| Renter Occupied HU | 5,452 (40.4%) |
| Vacant Housing Units | 517 ( 3.8%) |
| Median Home Value | $944,338 |
| Average Home Value | $1,039,984 |
Housing Distribution
Address Breakdown
Residential
12,834
Single Family
10,796
Multi-Family
2,038
Businesses
331
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 2024
N/A lot
$N/A/sqft
$468 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91941, La Mesa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,501 (100%) |
| Owner Occupied HU | 7,532 (55.8%) |
| Renter Occupied HU | 5,452 (40.4%) |
| Vacant Housing Units | 517 ( 3.8%) |
| Median Home Value | $944,338 |
| Average Home Value | $1,039,984 |
Housing Distribution
Address Breakdown
Residential
12,834
Single Family
10,796
Multi-Family
2,038
Businesses
331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices