320 J Avenue #92
Atop 10%National City, CA 91950
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$1,232/mo full cashflow at 20% down, 7.43% rate.
Works at $138,639 (54% under asking), or at 80% down.
Rent $1,681/mo from 13 leases of studio–2 bed condos & townhomes within 1 mi ($1,491–$1,747).
Beds
1
Baths
1
Sqft
378
Year Built
1996
Days on Market
84
Property Type
Condo
HOA/mo
$230
MLS ID
PTP2606294
This property is in National City (91950). Browse neighborhood analytics →
About This Property
Affordable condo living in National City! This cozy 1 bedroom, 1 bathroom home offers comfort, low-maintenance living, perfect for a first-time buyer, downsizer, or investor. Located in a gated community with a sparkling pool and on-site laundry facilities. Enjoy easy access to I-805, I-5, and CA-54, putting you minutes from Downtown San Diego, Chula Vista, and the border. Close to shopping, restaurants, and public transit. Low HOA dues make this a smart, budget-friendly option in a rapidly appreciating San Diego County market. Don't miss this opportunity to own in one of San Diego's most accessible and affordable neighborhoods!
Mortgage Calculator
Est. Monthly Payment
$2,277
Location
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Zoned Schools
Elementary
Rancho de la Nacion · grades K-6 · National Elementary
Middle
Granger Junior High · grades 7-9 · Sweetwater Union High
High
Sweetwater 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 foundThis Property
$1,681
Comp Average
$1,674
National City
1bd / 1ba · 378 sqft · Condo
$285K
Est. $1,709/mo
921 Street
1bd / 1ba · 378 sqft · Condo
$325K
Est. $1,681/mo
801 National City Blvd
1bd / 1ba · 500 sqft · Condo
$299K
Est. $1,682/mo
801 National City Blvd
1bd / 1ba · 500 sqft · Condo
$320K
Est. $1,682/mo
801 National City Blvd
1bd / 1ba · 500 sqft · Condo
$306K
Est. $1,618/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
13 leases of studio–2 bed condos & townhomes within 1 mi · $1,491–$1,747
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,232/mo short at 20% down; 80% down or +$1,600/mo rent closes it.
- Break-even price
- $138,639
- Break-even rent
- $3,281/mo
- Cashflow at 35% down
- −$920/mo
- Down payment to break even
- 80%
- Rate to break even
- Not reachable
54% under asking
$1,600/mo above the estimate
$239,200 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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