425 Beech #709
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425 Beech #709

Btop 30%

San Diego, CA 92101

$395,000
NEW — 0d
STR-eligible · San Diego Tier 3 · TOT 13.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

178 licensed short-term rentals within ½ mile (155 whole home), from the cities' license and permit lists of Nov 11, 2026.

1 short-term rental license on file in this 88-unit complex, so its HOA has allowed them. Confirm in the CC&Rs: an HOA can ban stays under 30 days (Civ. Code §4741).

Pass at asking: -$1,776/mo full cashflow at 20% down, 7.43% rate.

Works at $163,761 (59% under asking), or at 85% down.

Rent $2,787/mo from 4 leases in this building ($2,449–$3,078).

Beds

1

Baths

1

Sqft

641

Year Built

2004

Days on Market

0

Property Type

Condo

HOA/mo

$888

MLS ID

260026755SD

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

About This Property

Experience the best of downtown San Diego living in this beautifully remodeled 1-bedroom residence at Acqua Vista in the heart of Little Italy! This move-in-ready home features stylish modern finishes throughout, including wood-look tile flooring, sleek quartz countertops in the kitchen and bathroom, and stainless steel appliances. Enjoy your morning coffee or unwind in the evening on your private balcony. Central air conditioning and a full-size washer and dryer add comfort and convenience to everyday living. Acqua Vista delivers the ultimate urban lifestyle with resort-style amenities, including 24-hour concierge and security, valet parking included in the HOA dues, a fitness center, and a spectacular rooftop pool and spa with barbecue and fire pit areas. Step outside and immerse yourself in the vibrant Little Italy lifestyle, surrounded by some of San Diego’s best restaurants, trendy coffee shops, boutique shopping, Waterfront Park, and the beautiful bayfront. With easy access to the airport and major freeways, this is downtown living at its finest. Don't miss your opportunity to own a piece of one of San Diego's most sought-after neighborhoods!

Mortgage Calculator

Est. Monthly Payment

$3,593

Principal & Interest$2,194
Property Tax$395
Insurance$115
HOA$888
%($79,000)
%
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

49B
Est. Monthly Rent
$2,787

4 leases in this building · $2,449–$3,078

Monthly Cashflow

Rent − PITIA

-$805
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,776

What would make this work?

$1,776/mo short at 20% down; 85% down or +$2,306/mo rent closes it.

Break-even price

59% under asking

$163,761
Break-even rent

$2,306/mo above the estimate

$5,093/mo
Cashflow at 35% down
−$1,364/mo
Down payment to break even

$335,750 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,194
Cap Rate
1.70%
Cash-on-Cash
-26.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.78

NOI (Annual)
$6,698
Price-to-Rent

Lower = better for investors

11.8

* 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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BCashflow−$1,776/mo