300 Beech Street #10
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300 Beech Street #10

Atop 10%

San Diego, CA 92101

$499,000
STR: check · no permits in this complex · TOT 13.75%

208 licensed short-term rentals within ½ mile (181 whole home), from the cities' license and permit lists of Nov 5, 2026.

No unit in this 80-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: -$2,010/mo full cashflow at 20% down, 7.43% rate.

Works at $237,392 (52% under asking), or at 79% down.

Rent $3,339/mo from 2 leases in this building ($3,338–$3,340).

Beds

1

Baths

1.5

Sqft

876

Year Built

2004

Days on Market

96

Property Type

Condo

HOA/mo

$748

MLS ID

TR26166112

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

About This Property

Your chance to live in Little Italy at a great price! I'm moving to another city for a job. Make me an offer. Perfect for dog owners, this unit offers convenient direct access to the sidewalk, making it quick and easy without navigating hallways or elevators, and with a dog park just two blocks away. One of the only units with only one shared wall, and no unit above or below. It has a unique floor plan with an over-sized bedroom with an en suite bath, a second guest half bath, and two entrances. Brand new stove, Bosch dishwasher, full size front load washer and dryer, and freshly painted. All within blocks of restaurants, shops, the waterfront, and the soon to open Whole Foods Market. No Move-In charges: Because this unit enjoys direct ground-level access, you completely bypass elevator usage.

Mortgage Calculator

Est. Monthly Payment

$4,165

Principal & Interest$2,772
Property Tax$499
Insurance$146
HOA$748
%($99,800)
%
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

53A
Est. Monthly Rent
$3,339

2 leases in this building · $3,338–$3,340

Thin data: only 2 leases behind this number.

Monthly Cashflow

Rent − PITIA

-$826
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,010

What would make this work?

$2,010/mo short at 20% down; 79% down or +$2,610/mo rent closes it.

Break-even price

52% under asking

$237,392
Break-even rent

$2,610/mo above the estimate

$5,949/mo
Cashflow at 35% down
−$1,490/mo
Down payment to break even

$394,210 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,772
Cap Rate
2.23%
Cash-on-Cash
-24.17%
DSCR

Need ≥ 1.25 for DSCR loan

0.80

NOI (Annual)
$11,150
Price-to-Rent

Lower = better for investors

12.5

* 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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ACashflow−$2,010/mo