4230 Copeland Ave #6
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4230 Copeland Ave #6

Atop 10%

San Diego, CA 92105

$325,000
STR: check · no permits in this complex · TOT 12.75%

54 licensed short-term rentals within ½ mile (33 whole home), from the cities' license and permit lists of Nov 2, 2026.

No unit in this 7-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: -$1,331/mo full cashflow at 20% down, 7.49% rate.

Works at $152,535 (53% under asking), or at 79% down.

Rent $1,823/mo from 9 leases of studio–2 bed condos & townhomes within 0.5 mi ($1,741–$2,066).

Beds

1

Baths

1

Sqft

576

Year Built

1980

Days on Market

14

Property Type

Condo

HOA/mo

$227.66

MLS ID

260025168SD

This property is in San Diego (92105). View neighborhood stats →

Virtual Tour

About This Property

Light, bright, and beautifully upgraded! This inviting one-bedroom, one-bath condo features an open, airy layout that creates a welcoming atmosphere from the moment you step inside. With approximately 576 square feet of thoughtfully designed living space, this home combines comfort and functionality. Nestled within a small, seven-unit community in a central San Diego location, you'll enjoy easy access to shopping, dining, and major freeways. Whether you're a first-time buyer, looking to downsize, or searching for an investment opportunity, this charming condo is one you won't want to miss. Welcome home!

Mortgage Calculator

Est. Monthly Payment

$2,464

Principal & Interest$1,816
Property Tax$325
Insurance$95
HOA$228
%($65,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Central Elementary · grades K-5 · San Diego Unified

  • Middle

    Wilson Middle · grades 6-8 · San Diego Unified

  • High

    Hoover 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

58A
Est. Monthly Rent
$1,823

9 leases of studio–2 bed condos & townhomes within 0.5 mi · $1,741–$2,066

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$641
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,331

What would make this work?

$1,331/mo short at 20% down; 79% down or +$1,729/mo rent closes it.

Break-even price

53% under asking

$152,535
Break-even rent

$1,729/mo above the estimate

$3,552/mo
Cashflow at 35% down
−$990/mo
Down payment to break even

$256,750 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$1,816
Cap Rate
2.13%
Cash-on-Cash
-24.57%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$6,916
Price-to-Rent

Lower = better for investors

14.9

* Modelled at 20% down, 7.49% 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−$1,331/mo