10541 Caminito Pollo
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10541 Caminito Pollo

Ctop 80%

San Diego, CA 92126

$729,999
STR: check · no permits in this complex · TOT 12.75%

15 licensed short-term rentals within ½ mile (7 whole home), from the cities' license and permit lists of Nov 3, 2026.

No unit in this 40-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: -$3,399/mo full cashflow at 20% down, 7.49% rate.

Works at $289,363 (60% under asking), or at 87% down.

Rent $3,389/mo from 16 leases of 2–4 bed condos & townhomes within 1 mi ($3,135–$3,463).

Beds

3

Baths

2

Sqft

1,239

Year Built

1973

Days on Market

187

Property Type

Condo

HOA/mo

$378

MLS ID

PTP2603244

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

Virtual Tour

About This Property

Opportunity knocks in one of Mira Mesa’s most highly desirable areas. Welcome to Mesa Village, where privacy, comfort, and convenience come together. VA and FHA approved, this detached 3-bedroom, 2-bath single-story home presents an incredible opportunity for buyers looking to maximize their financing options while owning a home that lives like a true single-family residence with no shared walls. Situated on a quiet cul-de-sac, the home offers a functional layout designed for effortless living. Natural light fills the interior, complemented by clean, low-maintenance flooring that creates a bright and inviting atmosphere. The single-level design provides both comfort and convenience. Recent upgrades add exceptional value and peace of mind, including a new HVAC system with upgraded heating and air, as well as fully renovated bathrooms featuring new showers/tubs and updated plumbing—making this home truly move-in ready. Step outside to your private backyard featuring a tiled patio, perfect for relaxing or entertaining year-round. Additional highlights include convenient parking, a spacious storage area, and close proximity to the community pool, spa, and greenbelt spaces that give Mesa Village its peaceful, park-like setting. Located within great school districts and just minutes from parks, shopping, dining, and major freeways, this home offers the ideal balance of lifestyle and accessibility. Homes like this in such a prime location rarely come available.

Mortgage Calculator

Est. Monthly Payment

$5,400

Principal & Interest$4,079
Property Tax$730
Insurance$213
HOA$378
%($146,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Walker Elementary · grades PK-5 · San Diego Unified

  • Middle

    Wangenheim Middle · grades 6-8 · San Diego Unified

  • High

    Mira Mesa 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.

Investment Score

30C
Est. Monthly Rent
$3,389

16 leases of 2–4 bed condos & townhomes within 1 mi · $3,135–$3,463

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,011
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,399

What would make this work?

$3,399/mo short at 20% down; 87% down or +$4,415/mo rent closes it.

Break-even price

60% under asking

$289,363
Break-even rent

$4,415/mo above the estimate

$7,804/mo
Cashflow at 35% down
−$2,634/mo
Down payment to break even

$635,099 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,079
Cap Rate
1.40%
Cash-on-Cash
-27.94%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$10,196
Price-to-Rent

Lower = better for investors

18.0

* Modelled at 20% down, 7.49% 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−$3,399/mo