10174 Camino Ruiz

10174 Camino Ruiz

D

San Diego, CA 92126

$369,000

Beds

1

Baths

1

Sqft

503

Year Built

1990

Days on Market

21

Property Type

Condo

HOA/mo

$335

MLS ID

PTP2601218

Description

Welcome to Jade Coast Condominiums—this upstairs unit offers peaceful living with stylish upgrades and unbeatable convenience. Step inside to find modern flooring, updated cabinets, sleek countertops, and stainless-steel appliances including a refrigerator, gas stove, and built-in microwave. Situated on the top floor with no neighbors above, the layout feels open and airy, while thoughtful touches like in-unit laundry and a wall-mounted A/C add comfort and practicality. The assigned covered carport is just steps from your door. Set in a quiet, well-maintained complex with community amenities like a pool and spa, this home is just minutes from major freeways, local parks, restaurants, and shopping—offering the perfect balance of calm and connection. With an affordable HOA that covers water, trash, sewer, and exterior maintenance, this is a smart move for first-time buyers, downsizers, or investors looking for a low-maintenance lifestyle in one of San Diego’s most accessible neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$2,677

Principal & Interest$1,866
Property Tax$369
Insurance$108
HOA$335
%($73,800)
%

Investment Score

0D
Est. Monthly Rent
$1,030
Monthly Cashflow

Rent − PITI − HOA

$-1,648
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,192

Mortgage (P+I)
$1,866
Cap Rate
-1.06%
Cash-on-Cash
-26.79%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.38
Break-even Rent
$2,678

NOI (Annual)
$-3,917
Price-to-Rent

Lower = better for investors

29.9

* Defaults: 20% down, 6.5% rate, 30yr.

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

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