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10174 Camino Ruiz
1 / 3

10174 Camino Ruiz #46

B

San Diego, CA 92126

$419,000

Soft Appraisal Value: $414,800 · 1.0% above estimate

Beds

1

Baths

1

Sqft

503

Year Built

1990

Days on Market

42

Property Type

Condo

HOA/mo

$335

MLS ID

PTP2602928

This property is in San Diego (92126). View neighborhood stats →

Virtual Tour

About This Property

If you're a first time homebuyer, you may be able to buy this home with ZERO down with a down payment assistance program (subject to lender approval)! Rare upper-level corner condo in the heart of Mira Mesa—fully renovated and completely move-in ready. With no neighbors above and only one shared wall, this home offers a quiet, private living experience that’s hard to find at this price point. The brand new kitchen is a standout, featuring modern cabinetry, sleek countertops, and all-new stainless steel appliances including a gas stove. The open-concept layout flows effortlessly into the living area and out to a private balcony, bringing in great natural light and creating an easy indoor-outdoor feel. The bathroom has been beautifully remodeled with a contemporary floating vanity, custom tile shower, and LED mirror for a clean, spa-like finish. Light and bright throughout, the interior has been thoughtfully upgraded with new luxury vinyl plank flooring, fresh paint, and a modern, cohesive design that feels both elevated and inviting. In-unit washer and dryer hookups add everyday convenience and flexibility. Enjoy low HOA dues and resort-style community amenities including a pool and spa with comfortable lounging areas, plus a fully equipped fitness center. Ideally located near Mira Mesa Community Park and Hourglass Field, and just minutes from popular local favorites like Menya Ultra, Nishiki Ramen, Pho Ca Dao, and Golden Island. Enjoy nearby coffee at Jaunt Coffee Roasters, along with convenient shopping at Target, H Mart, and Sprouts Farmers Market. Quick access to the I-15 and 56 freeways makes commuting and everyday errands easy. Some photos have been virtually staged to illustrate potential use of space.

Mortgage Calculator

Est. Monthly Payment

$2,995

Principal & Interest$2,119
Property Tax$419
Insurance$122
HOA$335
%($83,800)
%

Location

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Investment Score

45B
Est. Monthly Rent
$2,121
Monthly Cashflow

Rent − PITIA

$-874
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,711

Mortgage (P+I)
$2,119
Cap Rate
1.17%
Cash-on-Cash
-24.50%
DSCR

Need ≥ 1.25 for DSCR loan

0.71
Break-even Rent
$4,343

NOI (Annual)
$4,896
Price-to-Rent

Lower = better for investors

16.5

* 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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