11322 Surco Dr
Ctop 80%San Diego, CA 92126
One license per person in San Diego: whether you can hold it depends on you, not only the home.
19 licensed short-term rentals within ½ mile (9 whole home), from the cities' license and permit lists of Nov 6, 2026.
Pass at asking: -$5,215/mo full cashflow at 20% down, 7.43% rate.
Works at $521,020 (57% under asking), or at 83% down.
Rent $5,197/mo from 9 leases of 4-bed houses within 1 mi ($4,777–$5,724).
Beds
4
Baths
2.5
Sqft
2,587
Year Built
1972
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026450SD
This property is in San Diego (92126). View neighborhood stats →
About This Property
OWNED SOLAR in MIRA MESA, NO HOA! Spacious 4 bedroom, 2.5 bath home offering approximately 2,587 sq. ft. with a versatile bonus room currently used as an office. Featuring its own private exterior entrance, the bonus room offers flexibility for a home office, or additional living area. The spacious kitchen features granite countertops, double ovens, and plenty of room for cooking and entertaining. Crown molding throughout adds a beautiful finishing touch. Conveniently located near Sorrento Valley and Qualcomm, one of San Diego’s major technology employers, with access to shopping and dining. A flexible floor plan with plenty of space to live, work, and make your own in Mira Mesa.
Mortgage Calculator
Est. Monthly Payment
$8,217
Location
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Zoned Schools
Elementary
Sandburg Elementary · grades K-5 · San Diego Unified
Middle
Challenger 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
$5,197
Comp Average
$5,140
10964 Deering St
5bd / 4ba · 2,234 sqft · Single Family
$1.15M
Est. $5,098/mo
8232 Santa Arminta
4bd / 2.5ba · 2,107 sqft · Single Family
$1.27M
Est. $5,034/mo
8587 Schneple
4bd / 3ba · 2,012 sqft · Single Family
$1.25M
Est. $4,504/mo
11785 Westview Parkway
5bd / 3ba · 2,322 sqft · Single Family
$1.30M
Est. $4,956/mo
10656 Melogold
3bd / 2.5ba · 2,574 sqft · Single Family
$1.90M
Est. $6,106/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 4-bed houses within 1 mi · $4,777–$5,724
Blended 50/50 with the zip's market median ($4,965)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,215/mo short at 20% down; 83% down or +$6,772/mo rent closes it.
- Break-even price
- $521,020
- Break-even rent
- $11,969/mo
- Cashflow at 35% down
- −$3,965/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
57% under asking
$6,772/mo above the estimate
$996,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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