425 W Beech St #1255
1 / 20

425 W Beech St #1255

Dbottom 20%

San Diego, CA 92101

$975,000
STR: check · no permits in this complex · TOT 13.75%

198 licensed short-term rentals within ½ mile (174 whole home), from the cities' license and permit lists of Nov 7, 2026.

No unit in this 80-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: -$5,911/mo full cashflow at 20% down, 7.43% rate.

Works at $205,334 (79% under asking); even all cash loses money at asking.

Rent $3,308/mo from 10 leases in this building ($3,128–$3,474).

Beds

2

Baths

2

Sqft

975

Year Built

2004

Days on Market

45

Property Type

Condo

HOA/mo

$970

MLS ID

PTP2607170

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

Virtual Tour

About This Property

Welcome to Little Italy! Stunning North West 12th floor condo offers endless views of water/ bay a corner unit-balcony off the living room and second bedroom. Two bedrooms, two bathrooms, two garage spaces. Elegant and updated kitchen includes beautiful sleek cabinetry and quartz counters and backsplash. Complex offers 8th floor rooftop pool/ jacuzzi/grills- fitness center- valet parking and 24 hr lobby attendant.

Mortgage Calculator

Est. Monthly Payment

$7,646

Principal & Interest$5,417
Property Tax$975
Insurance$284
HOA$970
%($195,000)
%
Loan Term

Location

Loading map...

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

0D
Est. Monthly Rent
$3,308

10 leases in this building · $3,128–$3,474

Monthly Cashflow

Rent − PITIA

-$4,338
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,911

What would make this work?

$5,911/mo short at 20% down; +$7,676/mo rent closes it.

Break-even price

79% under asking

$205,334
Break-even rent

$7,676/mo above the estimate

$10,984/mo
Cashflow at 35% down
−$4,895/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,417
Cap Rate
-0.40%
Cash-on-Cash
-36.37%
DSCR

Need ≥ 1.25 for DSCR loan

0.43

NOI (Annual)
-$3,947
Price-to-Rent

Lower = better for investors

24.6

* 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
DCashflow−$5,911/mo