11071 Black Mountain Road #20
1 / 20

11071 Black Mountain Road #20

Atop 10%

San Diego, CA 92126

$325,000
STR: check · park rules decide · TOT 12.75%

2 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 14, 2026.

Pass at asking: -$787/mo full cashflow at 20% down, 7.36% rate.

Works at $222,035 (32% under asking), or at 56% down.

Rent $2,204/mo: zip market median for this bed count.

Beds

2

Baths

2

Sqft

1,440

Year Built

1971

Days on Market

136

Property Type

Mfd/Mobile Home

HOA/mo

N/A

MLS ID

TR26137528

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

About This Property

Property Tax Exempt Mobile Home in 55+ Community. Buyer subject to park approval (credit and background check) 2/2 large corner lot, two oversized storage sheds and abundant parking. Large backyard. $1,400 per month space rent includes water, trash, sewer, park amenities (pool, spa, clubhouse, etc.) Grandfathered under a program which provides lifetime exemption from property taxes. $70 per year registration free required. Remodeled, new flooring, bathrooms, kitchen. Does not have A/C. Does not include appliances.

Mortgage Calculator

Est. Monthly Payment

$2,213

Principal & Interest$1,793
Property Tax$325
Insurance$95
%($65,000)
%
Loan Term

Location

Loading map...

Investment Score

78A
Est. Monthly Rent
$2,204

Zip market median for this bed count

Thin data: no closed leases like this one nearby.

Monthly Cashflow

Rent − PITIA

-$9
Full Cashflow

Incl. vacancy, PM, maint, capex

-$787

What would make this work?

$787/mo short at 20% down; 56% down or +$1,022/mo rent closes it.

Break-even price

32% under asking

$222,035
Break-even rent

$1,022/mo above the estimate

$3,226/mo
Cashflow at 35% down
−$451/mo
Down payment to break even

$182,000 cash

56%
Rate to break even

at 20% down

2.34%

Mortgage (P+I)
$1,793
Cap Rate
4.12%
Cash-on-Cash
-14.53%
DSCR

Need ≥ 1.25 for DSCR loan

1.00

NOI (Annual)
$13,397
Price-to-Rent

Lower = better for investors

12.3

* Modelled at 20% down, 7.36% 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
ACashflow−$787/mo