140 Imperial Beach Blvd

Ctop 80%

Imperial Beach, CA 91932

$1,579,000

STR: check · Imperial Beach: confirm the zone · TOT 14%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$8,561/mo full cashflow at 20% down, 7.36% rate.

Works at $458,820 (71% under asking), or at 99% down.

Rent $4,554/mo from 9 leases of 3-bed houses within 1 mi ($4,581–$5,171).

Beds

Baths

Sqft

1,778

Year Built

2022

Days on Market

Property Type

Single Family

HOA/mo

N/A

MLS ID

260021683SD

This property is in Imperial Beach (91932). Browse neighborhood analytics →

About This Property

*Modern 3 Bedroom 2.5 Bath Beach Home* located just steps from the beach. This location provides south-facing estuary views and rooftop ocean views. The living room has 10.5' ceilings with LIFX recessed lighting, La Cantina Bi-Folding doors systems, 2'X4' porcelain tile floors, floating staircase, rooftop jacuzzi with multi-zone heating & air systems. The entire house is hardwired with CAT 5 wiring with multiple interior and exterior Wi-Fi access points, IC Realtime dome security cameras, FX Luminaire landscape lighting system, built-in BBQ, and water feature located off the kitchen. All bathrooms consist of floating cabinetry with quartz countertops and Delta shower & bath trim. This property was constructed with a 3" airspace gap and a separate detached foundation from the neighboring unit. Multiple skylights run along the upstairs hallway for natural light.

Mortgage Calculator

Est. Monthly Payment

$10,751

Principal & Interest$8,712

Property Tax$1,579

Insurance$461

Down Payment

%($315,800)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Imperial Beach Charter · grades K-8 · 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 found

This Property

$4,554

Comp Average

$4,360

1165 East Lane

4bd / 2ba · 1,850 sqft · Single Family

$960K

Est. $4,488/mo

1016 Delaware St

4bd / 2.5ba · 1,799 sqft · Single Family

$1.10M

Est. $4,233/mo

1251 Cypress Avenue

4bd / 3.5ba · 2,030 sqft · Single Family

$1.25M

Est. $4,501/mo

466 Calla Ave

4bd / 2ba · 2,000 sqft · Single Family

$1.25M

Est. $4,255/mo

413 Delaware St

3bd / 2.5ba · 1,945 sqft · Single Family

$1.30M

Est. $4,325/mo

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

Investment Score

Est. Monthly Rent

$4,554

9 leases of 3-bed houses within 1 mi · $4,581–$5,171

Blended 50/50 with the zip's market median ($4,174)

Monthly Cashflow

Rent − PITIA

-$6,198

Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,561

What would make this work?

$8,561/mo short at 20% down; 99% down or +$11,118/mo rent closes it.

Break-even price: $458,820
Break-even rent: $15,672/mo
Cashflow at 35% down: −$6,928/mo
Down payment to break even: 99%
Rate to break even: Not reachable

Mortgage (P+I)

$8,712

Cap Rate

0.29%

Cash-on-Cash

-32.53%

DSCR

Need ≥ 1.25 for DSCR loan

0.42

NOI (Annual)

$4,541

Price-to-Rent

Lower = better for investors

28.9

* 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−$8,561/mo