1184 Monterey AveChula VistaCA91911
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.81%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $291,477 and $9,717/yr in equity build project total return of $365,538.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(645) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,990 |
| Total Monthly Debt Service | $6,107 |
| DSCR Ratio | 0.98x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2016
5,410 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
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 2016
5,410 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Samuel A. Munoz • Avalar Real Estate Alliance
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202513141