8441 Encino AveSan DiegoCA92123
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 8441 Encino Ave, San Diego, CA, 92123 in San Diego is a conservative rental investment at $1,018,800. Rental yield 6.97%. A 1.29 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $281,476; $9,383/yr in principal paydown supplements. Total projected return: $361,535.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 4.8% |
| Monthly Cash Flow | $(385) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,917 |
| Total Monthly Debt Service | $5,897 |
| DSCR Ratio | 1.00x |
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 1962
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92123, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,002 (100%) |
| Owner Occupied HU | 4,828 (37.1%) |
| Renter Occupied HU | 7,520 (57.8%) |
| Vacant Housing Units | 654 ( 5.0%) |
| Median Home Value | $853,319 |
| Average Home Value | $953,415 |
Housing Distribution
Address Breakdown
Residential
12,692
Single Family
8,425
Multi-Family
4,267
Businesses
2,191
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 1962
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92123, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,002 (100%) |
| Owner Occupied HU | 4,828 (37.1%) |
| Renter Occupied HU | 7,520 (57.8%) |
| Vacant Housing Units | 654 ( 5.0%) |
| Median Home Value | $853,319 |
| Average Home Value | $953,415 |
Housing Distribution
Address Breakdown
Residential
12,692
Single Family
8,425
Multi-Family
4,267
Businesses
2,191
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nick J Emerson • Keller Williams La Jolla
Mls Name: SDMLS
Mls ID: #250039693