2728 B Street
Atop 10%San Diego, CA 92102
115 licensed short-term rentals within ½ mile (81 whole home), from the cities' license and permit lists of Nov 8, 2026.
No unit in this 52-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: -$1,649/mo full cashflow at 20% down, 7.43% rate.
Works at $175,187 (55% under asking), or at 81% down.
Rent $2,333/mo from 8 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area ($2,271–$2,464).
Beds
1
Baths
1
Sqft
560
Year Built
2006
Days on Market
95
Property Type
Condo
HOA/mo
$451
MLS ID
OC26169980
This property is in San Diego (92102). View neighborhood stats →
About This Property
This unit Bank owned condo was recently upgraded, by a previous owner, very tastefully and includes quartz countertops, stainless steel appliances, and an in-unit washer and dryer. This unit sits near the entrance to the complex that features BBQ areas, fitness rooms, and a relaxing hot tub. It's proximity to Balboa Park, easy access to freeways and Downtown nightlife makes this a perfect opportunity.
Mortgage Calculator
Est. Monthly Payment
$3,121
Location
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Zoned Schools
Elementary
Golden Hill K-8 · grades PK-8 · 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.
Comparable Properties
3 comps foundThis Property
$2,333
Comp Average
$2,161
2650 Broadway
1bd / 1ba · 521 sqft · Condo
$300K
Est. $2,179/mo
3029 Broadway
2bd / 1ba · 484 sqft · Condo
$370K
Est. $2,124/mo
2650 Broadway
1bd / 1ba · 521 sqft · Condo
$330K
Est. $2,179/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area · $2,271–$2,464
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,649/mo short at 20% down; 81% down or +$2,142/mo rent closes it.
- Break-even price
- $175,187
- Break-even rent
- $4,475/mo
- Cashflow at 35% down
- −$1,243/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$2,142/mo above the estimate
$315,819 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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