4310 54th

4310 54th

Atop 10%

San Diego, CA 92115

$332,000
NEW — 0d
STR: check · no permits in this complex · TOT 12.75%

17 licensed short-term rentals within ½ mile (5 whole home), from the cities' license and permit lists of Nov 3, 2026.

No unit in this 50-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: -$793/mo full cashflow at 20% down, 7.49% rate.

Works at $229,232 (31% under asking), or at 55% down.

Rent $2,738/mo from 8 leases of 2-bed condos & townhomes within 0.5 mi ($2,698–$3,119).

Beds

2

Baths

2

Sqft

1,000

Year Built

1972

Days on Market

0

Property Type

Condo

HOA/mo

$340

MLS ID

260026130SD

This property is in San Diego (92115). View neighborhood stats →

About This Property

1,000 sq.ft. 2 bedrooms and a den. den could have many uses. remodeled and upgraded. turnkey. good location within the complex.

Mortgage Calculator

Est. Monthly Payment

$2,624

Principal & Interest$1,855
Property Tax$332
Insurance$97
HOA$340
%($66,400)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Fay Elementary · grades PK-5 · San Diego Unified

  • Middle

    Mann Middle · grades 6-8 · San Diego Unified

  • High

    Crawford 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

78A
Est. Monthly Rent
$2,738

8 leases of 2-bed condos & townhomes within 0.5 mi · $2,698–$3,119

Blended 50/50 with the zip's market median ($2,617)

Monthly Cashflow

Rent − PITIA

+$114
Full Cashflow

Incl. vacancy, PM, maint, capex

-$793

What would make this work?

$793/mo short at 20% down; 55% down or +$1,029/mo rent closes it.

Break-even price

31% under asking

$229,232
Break-even rent

$1,029/mo above the estimate

$3,767/mo
Cashflow at 35% down
−$445/mo
Down payment to break even

$182,600 cash

55%
Rate to break even

at 20% down

2.59%

Mortgage (P+I)
$1,855
Cap Rate
4.34%
Cash-on-Cash
-14.33%
DSCR

Need ≥ 1.25 for DSCR loan

1.04

NOI (Annual)
$14,394
Price-to-Rent

Lower = better for investors

10.1

* 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.

Open Full Calculator
ACashflow−$793/mo