1325 Pacific Hwy. #2704
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1325 Pacific Hwy. #2704

Ctop 80%

San Diego, CA 92101

$1,299,000
STR: check · no permits in this complex · TOT 13.75%

144 licensed short-term rentals within ½ mile (127 whole home), from the cities' license and permit lists of Nov 14, 2026.

No unit in this 77-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: -$6,686/mo full cashflow at 20% down, 7.36% rate.

Works at $424,138 (67% under asking), or at 95% down.

Rent $6,152/mo from 3 leases in this building ($5,993–$6,753).

Beds

2

Baths

2

Sqft

1,482

Year Built

2009

Days on Market

161

Property Type

Condo

HOA/mo

$1,495.39

MLS ID

260011233SD

This property is in San Diego (92101). View neighborhood stats →

Virtual Tour

About This Property

Perched high on the 27th floor, this rare end unit residence at Bayside offers elevated coastal living with exceptional natural light, privacy, and sweeping southeast views. From the living area, enjoy additional angled west facing views, capturing sunset light and a glimpse of the bay, enhancing the home's openness and sense of space. Designed by Nat Bosa, Bayside is known for its refined architecture, elegant lines, and enduring commitment to high-quality finishes. This residence reflects that standard with a sophisticated modern interior in one of downtown San Diego's premier high- rise communities. Ideally located just steps from the waterfront, enjoy effortless access to waterfront dining, cafes and upscale restaurants. Walkable luxury lifestyle. Bayside offers a resort inspired lifestyle with an impressive collection of amenities -pool and spa, fitness center steam room, sauna, wine room, resident lounge, library, and 24-hour concierge service. What truly sets it apart is the welcoming environment. with professional staff creating a seamless and comfortable experience from arrival to residence. Recent updates to the lobby and hallways add a fresh, modern elegance throughout.

Mortgage Calculator

Est. Monthly Payment

$10,340

Principal & Interest$7,167
Property Tax$1,299
Insurance$379
HOA$1,495
%($259,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Washington Elementary · grades PK-5 · San Diego Unified

  • Middle

    Roosevelt International Middle · grades 6-8 · San Diego Unified

  • High

    San Diego 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.

Investment Score

7C
Est. Monthly Rent
$6,152

3 leases in this building · $5,993–$6,753

Thin data: only 3 leases behind this number.

Monthly Cashflow

Rent − PITIA

-$4,188
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,686

What would make this work?

$6,686/mo short at 20% down; 95% down or +$8,683/mo rent closes it.

Break-even price

67% under asking

$424,138
Break-even rent

$8,683/mo above the estimate

$14,835/mo
Cashflow at 35% down
−$5,342/mo
Down payment to break even

$1,234,050 cash

95%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,167
Cap Rate
0.73%
Cash-on-Cash
-30.88%
DSCR

Need ≥ 1.25 for DSCR loan

0.59

NOI (Annual)
$9,465
Price-to-Rent

Lower = better for investors

17.6

* 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.

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CCashflow−$6,686/mo