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10070 Scripps Vista Way #17
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10070 Scripps Vista Way #17

Ctop 80%

Scripps Ranch, CA 92131

$645,000
STR: check · no permits in this complex · TOT 12.75%

3 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 30-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$3,021/mo full cashflow at 20% down, 7.36% rate.

Works at $249,684 (61% under asking), or at 88% down.

Rent $3,316/mo from 8 leases of 1–3 bed condos & townhomes within 1 mi, same school area ($3,037–$3,384).

Beds

2

Baths

2.5

Sqft

1,216

Year Built

1992

Days on Market

46

Property Type

Townhouse

HOA/mo

$645

MLS ID

260023512SD

This property is in Scripps Ranch (92131). View neighborhood stats →

Virtual Tour

About This Property

First time on the market since the property was built. This home has been beautifully maintained by the original owner. Spacious floor plan in a quiet location. New HVAC system, newer roof, multiple decks/patios. Large living room with cozy fireplace & dining room w/ceiling fan. Large master suite w/mirrored doors & ceiling fan. Attached 2 car garage with storage cabinets and direct access. Washer, dryer & refrigerator are included. New custom paint and dual pane windows throughout. Access to pool, spa & Tennis courts.

Mortgage Calculator

Est. Monthly Payment

$5,037

Principal & Interest$3,559
Property Tax$645
Insurance$188
HOA$645
%($129,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Miramar Ranch Elementary · grades K-5 · San Diego Unified

  • Middle

    Marshall Middle · grades 6-8 · San Diego Unified

  • High

    Scripps Ranch High · grades 9-12 · San Diego Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Comparable Properties

5 comps found

This Property

$3,316

vs

Comp Average

$3,369

10060 Scripps Vista Way

10060 Scripps Vista Way

2bd / 2.5ba · 1,216 sqft · Townhouse

$649K

Est. $3,429/mo

10514 Caminito Sopadilla

10514 Caminito Sopadilla

2bd / 2ba · 1,102 sqft · Townhouse

$550K

Est. $3,121/mo

10950 Ivy Hill Dr

10950 Ivy Hill Dr

2bd / 2.5ba · 1,288 sqft · Townhouse

$750K

Est. $3,640/mo

10865 Caminito Arcada

10865 Caminito Arcada

3bd / 2.5ba · 1,172 sqft · Townhouse

$799K

Est. $3,400/mo

10010 Scripps

10010 Scripps

2bd / 2.5ba · 1,216 sqft · Townhouse

$728K

Est. $3,254/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

33C
Est. Monthly Rent
$3,316

8 leases of 1–3 bed condos & townhomes within 1 mi, same school area · $3,037–$3,384

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,721
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,021

What would make this work?

$3,021/mo short at 20% down; 88% down or +$3,923/mo rent closes it.

Break-even price

61% under asking

$249,684
Break-even rent

$3,923/mo above the estimate

$7,239/mo
Cashflow at 35% down
−$2,354/mo
Down payment to break even

$567,600 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,559
Cap Rate
1.31%
Cash-on-Cash
-28.10%
DSCR

Need ≥ 1.25 for DSCR loan

0.66
NOI (Annual)
$8,443
Price-to-Rent

Lower = better for investors

16.2

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$3,021/mo