425 Beech Street #1106
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425 Beech Street #1106

Ctop 80%

San Diego, CA 92101

$478,500
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.

176 licensed short-term rentals within ½ mile (153 whole home), from the cities' license and permit lists of Nov 5, 2026.

1 short-term rental license on file in this 69-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: -$2,435/mo full cashflow at 20% down, 7.49% rate.

Works at $162,857 (66% under asking), or at 93% down.

Rent $2,817/mo from 4 leases in this building ($2,475–$3,111).

Beds

1

Baths

1

Sqft

655

Year Built

2004

Days on Market

0

Property Type

Condo

HOA/mo

$913

MLS ID

260026339SD

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

Virtual Tour

About This Property

Your Little Italy pied-à-terre, 11 floors up. Wake to city light pouring through floor-to-ceiling glass, carry your espresso onto the private balcony and watch Downtown hum to life above the rooftop pool and spa offering scenic city-skyline views. By noon you’re a “two-block-walk” to the Saturday farmer’s market. By evening it’s a table on India Street, then a slow walk toward the bay, just blocks away. Back home, this 1 bed/1 bath in the South Tower is easy and bright: fresh paint, a galley kitchen with granite counters, stainless appliances, warm maple-look cabinetry and vinyl-sheet flooring, a roomy bedroom with a large window, generous closets, and an in-unit washer and dryer. Downstairs, Acqua Vista does the rest with a resort-style pool and spa deck, fitness center, concierge, 24-hour security and valet. The trolley, waterfront and Amici Park are minutes away. Lock the door, take the trip, come home to Little Italy. Priced to make Downtown living an easy “yes.” Downtown San Diego's Little Italy is a vibrant culinary and cultural hotspot, beloved for its rich history and modern flairs. Classic restaurants like Mona Lisa and Civico 1845, alongside new favorites Ironside, Juniper & Ivy, and Craft & Commerce, make it a go-to for local foodies. The neighborhood is filled with cafes, bakeries, boutiques, bars, and wine shops, perfect for an evening wander. The Little Italy Association also keeps the calendar full with community events such as art walks, car shows, the yearly Little Italy Festa, and a vibrant Farmers Market on Wednesdays and Saturdays. Don’t forget the NoLi Art & Design District, a vibrant hub that includes a collection of retail outlets, designer boutiques, and art galleries, all boasting unique home items and rare discoveries to help you curate the perfect ambiance for your new residence. Acqua Vista features complimentary valet parking for residents, 24/7 security and lobby attendants, a fitness center, and an 8th floor pool and spa deck, barbecues and lounge area. Residents can also take advantage of the community’s electric vehicle charging stations.

Mortgage Calculator

Est. Monthly Payment

$4,205

Principal & Interest$2,674
Property Tax$479
Insurance$140
HOA$913
%($95,700)
%
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

35C
Est. Monthly Rent
$2,817

4 leases in this building · $2,475–$3,111

Monthly Cashflow

Rent − PITIA

-$1,388
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,435

What would make this work?

$2,435/mo short at 20% down; 93% down or +$3,163/mo rent closes it.

Break-even price

66% under asking

$162,857
Break-even rent

$3,163/mo above the estimate

$5,980/mo
Cashflow at 35% down
−$1,934/mo
Down payment to break even

$445,005 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,674
Cap Rate
0.95%
Cash-on-Cash
-30.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$4,556
Price-to-Rent

Lower = better for investors

14.2

* 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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CCashflow−$2,435/mo