10797 San Diego Mission #209
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10797 San Diego Mission #209

Btop 30%

San Diego, CA 92108

$359,950
STR: check · no permits in this complex · TOT 12.75%

4 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 7, 2026.

No unit in this 78-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: -$1,713/mo full cashflow at 20% down, 7.43% rate.

Works at $136,905 (62% under asking), or at 89% down.

Rent $2,028/mo from 8 leases of 1-bed condos & townhomes within 0.5 mi, same school area ($1,943–$1,985).

Beds

1

Baths

1

Sqft

616

Year Built

1981

Days on Market

108

Property Type

Condo

HOA/mo

$510

MLS ID

260017927SD

This property is in San Diego (92108). View neighborhood stats →

Virtual Tour

About This Property

Recently remodeled 1-bedroom, 1-bath home in the heart of Mission Valley! This bright, open-concept condo features new vinyl flooring, fresh interior paint, new kitchen and bathroom countertops, new dishwasher, new sink, new faucets, and updated light fixtures. Clean, modern finishes make the space feel fresh and move-in ready. Enjoy a central location close to shopping, dining, freeways, trolley access, Snapdragon Stadium, parks, and all that Mission Valley has to offer. Come see this one soon!

Mortgage Calculator

Est. Monthly Payment

$2,975

Principal & Interest$2,000
Property Tax$360
Insurance$105
HOA$510
%($71,990)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Foster Elementary · grades K-5 · San Diego Unified

    or Juarez Elementary · grades K-5 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • Middle

    Lewis Middle · grades 6-8 · San Diego Unified

    or Taft Middle · grades 6-8 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • High

    Kearny Digital Media & Design · grades 9-12 · San Diego Unified

    or Kearny School of Biomedical Science and Technology · grades 9-12 · San Diego Unified

    or Kearny College Connections · grades 9-12 · San Diego Unified

    or Kearny Eng Innov & Design · grades 9-12 · San Diego Unified

    or Henry High · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

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

46B
Est. Monthly Rent
$2,028

8 leases of 1-bed condos & townhomes within 0.5 mi, same school area · $1,943–$1,985

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$947
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,713

What would make this work?

$1,713/mo short at 20% down; 89% down or +$2,225/mo rent closes it.

Break-even price

62% under asking

$136,905
Break-even rent

$2,225/mo above the estimate

$4,253/mo
Cashflow at 35% down
−$1,338/mo
Down payment to break even

$320,356 cash

89%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,000
Cap Rate
1.29%
Cash-on-Cash
-28.55%
DSCR

Need ≥ 1.25 for DSCR loan

0.68

NOI (Annual)
$4,657
Price-to-Rent

Lower = better for investors

14.8

* Modelled at 20% down, 7.43% 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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BCashflow−$1,713/mo