1136 Oneonta
Atop 10%Imperial Beach, CA 91932
Pass at asking: -$2,797/mo full cashflow at 20% down, 7.36% rate.
Works at $432,986 (46% under asking), or at 71% down.
Rent $4,297/mo from 8 leases of 3–5 bed houses within 1 mi ($3,679–$4,407).
Beds
4
Baths
3
Sqft
1,584
Year Built
1959
Days on Market
—
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027007SD
This property is in Imperial Beach (91932). Browse neighborhood analytics →
About This Property
Discover the possibilities in this versatile Imperial Beach property! Currently configured as a 4 bedroom, 3 bathroom home, public records reflect 3 bedrooms and 2 bathrooms. Offering 1,584 square feet, the home features LVP flooring, newer windows, and a roof just one year old. A standout feature is the permitted separate living space, complete with its own entrance, family room, kitchenette, bedroom, and bathroom, offering excellent flexibility for multigenerational living, extended family, guests, or potential rental income. Additional highlights include a one-car garage and convenient access to neighborhood parks, shopping, dining, and the Imperial Beach coastline. With its flexible floor plan and versatile living arrangements, this property offers an exciting opportunity for homeowners and investors alike!
Mortgage Calculator
Est. Monthly Payment
$5,440
Location
Loading map...
Zoned Schools
Elementary
Oneonta Elementary · grades K-6 · South Bay Union
Middle
Mar Vista Academy · grades 7-8 · Sweetwater Union High
High
Mar Vista Senior High · grades 9-12 · Sweetwater Union High
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
$4,297
Comp Average
$4,181
941 Grove Ave
4bd / 2ba · 1,232 sqft · Single Family
$800K
Est. $4,141/mo
857 Holly Ave
4bd / 2ba · 1,868 sqft · Single Family
$850K
Est. $4,421/mo
831 Hickory Ct.
3bd / 3ba · 1,420 sqft · Single Family
$799K
Est. $3,833/mo
558 11th St
4bd / 3ba · 1,643 sqft · Single Family
$890K
Est. $4,279/mo
1016 Delaware St
4bd / 2.5ba · 1,799 sqft · Single Family
$1.10M
Est. $4,233/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3–5 bed houses within 1 mi · $3,679–$4,407
Blended 50/50 with the zip's market median ($4,712)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,797/mo short at 20% down; 71% down or +$3,633/mo rent closes it.
- Break-even price
- $432,986
- Break-even rent
- $7,930/mo
- Cashflow at 35% down
- −$1,971/mo
- Down payment to break even
- 71%
- Rate to break even
- Not reachable
46% under asking
$3,633/mo above the estimate
$567,290 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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