10805 Camino Ruiz #43
Atop 10%San Diego, CA 92126
13 licensed short-term rentals within ½ mile (8 whole home), from the cities' license and permit lists of Nov 3, 2026.
No unit in this 88-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: -$1,598/mo full cashflow at 20% down, 7.49% rate.
Works at $167,762 (55% under asking), or at 82% down.
Rent $2,278/mo from 10 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area ($2,340–$2,459).
Beds
1
Baths
1
Sqft
662
Year Built
1984
Days on Market
47
Property Type
Condo
HOA/mo
$460
MLS ID
260022930SD
This property is in San Diego (92126). View neighborhood stats →
About This Property
Best Value in central Mira Mesa. Move in Ready, Fresh Paint, New flooring in living room. Ground/First floor unit with no stairs to climb, In Unit Laundry, Private Balcony, Covered Parking Spot #77, Full Complex Renovation including Pool, Spa, Carports, Balconies. There's a $50 Million dollar Community Park just across the street, and it's within walking distance of the public Library and the Mira Mesa Shopping Mall.
Mortgage Calculator
Est. Monthly Payment
$3,040
Location
Loading map...
Zoned Schools
Elementary
Ericson 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.
Comparable Properties
5 comps foundThis Property
$2,278
Comp Average
$2,242
10805 Camino Ruiz
1bd / 1ba · 662 sqft · Condo
$389K
Est. $2,278/mo
10855 Camino Ruiz
1bd / 1ba · 662 sqft · Condo
$399K
Est. $2,279/mo
8405 Westmore Road
1bd / 1ba · 662 sqft · Condo
$425K
Est. $2,279/mo
8480 New Salem Street
1bd / 1ba · 572 sqft · Condo
$385K
Est. $2,146/mo
10611 Dabney Dr
1bd / 1ba · 598 sqft · Condo
$410K
Est. $2,229/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area · $2,340–$2,459
Blended 50/50 with the zip's market median ($2,178)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,598/mo short at 20% down; 82% down or +$2,075/mo rent closes it.
- Break-even price
- $167,762
- Break-even rent
- $4,353/mo
- Cashflow at 35% down
- −$1,205/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
55% under asking
$2,075/mo above the estimate
$307,500 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Open Full Calculator