Investment Property Details
National City, San Diego County median: $620,000
Down payment: $155,000 | Loan: $465,000
National City, San Diego County median rent: $2,000/mo
National City, San Diego County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,000/mo
- Avg Property Tax Rate
- 1.16%
- Est. Annual Tax
- $7,192
Your DSCR Ratio
0.49
Below break-even — rent does not cover PITIA
Monthly Rent
$2,000
Monthly PITIA
$4,043
Required Rent by DSCR Threshold
Required Rent
$4,043/mo
vs Your Rent
-$2,043
Required Rent
$5,054/mo
vs Your Rent
-$3,054
National City, San Diego County Median Rent Comparison
The median rent in National City, San Diego County, California is $2,000/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.49
Calculations are estimates for educational purposes only. Actual DSCR requirements vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in National City, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In National City, the median rent is $2,000/mo and the median home value is $620,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in National City for 2026?
The 2026 median rent in National City, San Diego County is $2,000 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in National City?
The average effective property tax rate in National City is 1.16%. On an investment property valued at $620,000, that's approximately $7,192 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.