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11570 Caminito La Bar #105

Ctop 80%

San Diego, CA 92126

$533,000

STR: check · no permits in this complex · TOT 12.75%

7 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 6, 2026.

No unit in this 44-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: -$2,645/mo full cashflow at 20% down, 7.43% rate.

Works at $188,585 (65% under asking), or at 92% down.

Rent $2,833/mo from 8 leases of 1–3 bed condos & townhomes within 1 mi ($2,850–$3,016).

Beds

Baths

Sqft

949

Year Built

1989

Days on Market

Property Type

Condo

HOA/mo

$733

MLS ID

260023079SD

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

Virtual Tour

About This Property

11570 Caminito La Bar Unit 105 is a one-story San Diego condominium built in 1989, with two bedrooms and two bathrooms across 949 square feet. The kitchen includes stainless steel appliances, abundant cabinetry, and a breakfast bar that adds preparation and seating space. The living area connects directly to the kitchen and features a fireplace that anchors the room, along with ceiling fans for air circulation. The primary bedroom includes a ceiling fan and window for natural light, while both bathrooms provide vanity storage and tub-and-shower combinations. A covered entry patio creates usable outdoor space, and the community pool adds a nearby recreation option. These features complete a practical residence with well-defined spaces throughout.

Mortgage Calculator

Est. Monthly Payment

$4,382

Principal & Interest$2,961

Property Tax$533

Insurance$155

HOA$733

Down Payment

%($106,600)

Interest Rate

Loan Term

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 found

This Property

$2,833

Comp Average

$2,792

10684 Dabney Drive

2bd / 2ba · 920 sqft · Condo

$520K

Est. $2,848/mo

10076 Maya Linda Rd

2bd / 2ba · 956 sqft · Condo

$499K

Est. $2,674/mo

10710 Aderman Ave

2bd / 2ba · 920 sqft · Condo

$559K

Est. $2,849/mo

10740 Aderman Ave

2bd / 2ba · 920 sqft · Condo

$560K

Est. $2,821/mo

10805 Camino Ruiz

2bd / 2ba · 912 sqft · Condo

$545K

Est. $2,769/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

34C

Est. Monthly Rent

$2,833

8 leases of 1–3 bed condos & townhomes within 1 mi · $2,850–$3,016

Blended 50/50 with the zip's market median ($2,738)

Monthly Cashflow

Rent − PITIA

-$1,549

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,645

What would make this work?

$2,645/mo short at 20% down; 92% down or +$3,435/mo rent closes it.

Break-even price: $188,585
Break-even rent: $6,268/mo
Cashflow at 35% down: −$2,090/mo
Down payment to break even: 92%
Rate to break even: Not reachable

Mortgage (P+I)

$2,961

Cap Rate

1.03%

Cash-on-Cash

-29.77%

DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)

$5,495

Price-to-Rent

Lower = better for investors

15.7

* 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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CCashflow−$2,645/mo