4044 Crystal Dawn #103
1 / 20

4044 Crystal Dawn #103

Ctop 80%

San Diego, CA 92122

$649,000
STR: check · no permits in this complex · TOT 12.75%

9 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 70-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: -$3,363/mo full cashflow at 20% down, 7.43% rate.

Works at $211,060 (67% under asking), or at 95% down.

Rent $2,811/mo from 9 leases of 1-bed condos & townhomes within 0.5 mi, same school area ($2,831–$2,949).

Beds

1

Baths

1

Sqft

835

Year Built

1981

Days on Market

102

Property Type

Condo

HOA/mo

$543

MLS ID

260018612SD

This property is in San Diego (92122). View neighborhood stats →

Virtual Tour

About This Property

Seller is open to considering buyer credit/concessions! Some condos are just a place to sleep. This one's a whole lifestyle upgrade. Inside, sleek luxury vinyl plank flooring runs underfoot while a fluted fireplace anchors the living room. The kitchen doesn't play it safe either, new cabinetry, quartz countertops, and a bold tiled backsplash. Then you walk outside, and things get really good. Take your pick: lounge poolside, unwind in the spa after a long week, or grab a racquet and work out some energy on the courts. It's resort living, except you actually live here. And the location? Unreal. Westfield UTC and Whole Foods are minutes away for whenever you need to shop, eat, or people-watch. Craving nature instead? Marian Bear and Rose Canyon's hiking trails are right around the corner, Add UC San Diego, Qualcomm, and San Diego's biotech corridor nearby, and you're living at the center of everything that makes this city run. This is Golden Triangle living at its best, polished, connected, and genuinely fun. Come see it before it's gone!

Mortgage Calculator

Est. Monthly Payment

$4,987

Principal & Interest$3,605
Property Tax$649
Insurance$189
HOA$543
%($129,800)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Doyle Elementary · grades K-5 · San Diego Unified

  • Middle

    Standley Middle · grades 6-8 · San Diego Unified

  • High

    University City 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

23C
Est. Monthly Rent
$2,811

9 leases of 1-bed condos & townhomes within 0.5 mi, same school area · $2,831–$2,949

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,175
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,363

What would make this work?

$3,363/mo short at 20% down; 95% down or +$4,367/mo rent closes it.

Break-even price

67% under asking

$211,060
Break-even rent

$4,367/mo above the estimate

$7,178/mo
Cashflow at 35% down
−$2,687/mo
Down payment to break even

$616,550 cash

95%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,605
Cap Rate
0.71%
Cash-on-Cash
-31.09%
DSCR

Need ≥ 1.25 for DSCR loan

0.56

NOI (Annual)
$4,598
Price-to-Rent

Lower = better for investors

19.2

* 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.

Open Full Calculator
CCashflow−$3,363/mo