2694 Piantino Circle

2694 Piantino Circle

Ctop 80%

San Diego, CA 92108

$974,000
STR: check · no permits in this complex · TOT 12.75%

3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 14, 2026.

No unit in this 16-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: -$4,470/mo full cashflow at 20% down, 7.36% rate.

Works at $389,143 (60% under asking), or at 87% down.

Rent $4,510/mo from 12 leases of 2–4 bed condos & townhomes within 1 mi ($4,391–$5,331).

Beds

3

Baths

2

Sqft

1,759

Year Built

2005

Days on Market

—

Property Type

Condo

HOA/mo

$499

MLS ID

260027105SD

This property is in San Diego (92108). View neighborhood stats →

About This Property

One of Escala's largest floor plans, this meticulously maintained home offers the rare combination of generous space, single-level living and a peaceful green-space setting. With direct garage access, a dramatic rotunda-style foyer and a spacious covered veranda, this is a home that is distinctive and sensible. The kitchen features abundant cabinetry, plenty of counter space and a walk-in pantry. The primary suite is privately positioned on one side of the home, with a separate retreat/office and direct access to the covered veranda. The primary bath features custom tile, a separate tub and shower, and thoughtful finishes. Two secondary bedrooms are located on the opposite side of the home, creating privacy and separation. A full-size laundry room is conveniently located on the same level. Upgraded carpet and meticulous care throughout reflect the pride of ownership.The large covered veranda overlooks green space and extends the living area outdoors--an inviting place to spend countless hours. Add Escala's gated setting, resort-style amenities and central Mission Valley location, and this is a particularly special opportunity to enjoy one of the community's most spacious and versatile floor plans.

Mortgage Calculator

Est. Monthly Payment

$7,131

Principal & Interest$5,374
Property Tax$974
Insurance$284
HOA$499
%($194,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Juarez Elementary · grades K-5 · San Diego Unified

  • Middle

    Taft Middle · grades 6-8 · San Diego Unified

  • High

    Kearny Digital Media & Design · grades 9-12 · San Diego Unified

    or Kearny School of Biomedical Science and Technology · grades 9-12 · San Diego Unified

    or Kearny College Connections · grades 9-12 · San Diego Unified

    or Kearny Eng Innov & Design · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

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

19C
Est. Monthly Rent
$4,510

12 leases of 2–4 bed condos & townhomes within 1 mi · $4,391–$5,331

Blended 50/50 with the zip's market median ($3,987)

Monthly Cashflow

Rent − PITIA

-$2,621
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,470

What would make this work?

$4,470/mo short at 20% down; 87% down or +$5,805/mo rent closes it.

Break-even price

60% under asking

$389,143
Break-even rent

$5,805/mo above the estimate

$10,315/mo
Cashflow at 35% down
−$3,462/mo
Down payment to break even

$847,380 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,374
Cap Rate
1.39%
Cash-on-Cash
-27.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$13,554
Price-to-Rent

Lower = better for investors

18.0

* 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−$4,470/mo