4444 Point Loma

4444 Point Loma

Btop 30%

San Diego, CA 92107

$455,000
NEW — 0d

Pass at asking: -$2,049/mo full cashflow at 20% down, 7.49% rate.

Works at $189,391 (58% under asking), or at 85% down.

Rent $2,754/mo from 10 leases of studio–2 bed condos & townhomes within 0.5 mi ($2,624–$2,925).

Beds

1

Baths

1

Sqft

802

Year Built

1966

Days on Market

0

Property Type

Condo

HOA/mo

$660

MLS ID

260026220SD

This property is in San Diego (92107). View neighborhood stats →

About This Property

Spacious and beautifully remodeled 1-bedroom, 1-bath residence offering a sophisticated blend of modern design, comfort, and coastal San Diego living. The gorgeously updated interior features new white oak flooring throughout, creating a warm, contemporary feel that flows seamlessly from room to room. The open floor plan brings together the kitchen, dining, and living areas, creating a bright and inviting space ideal for both relaxing and entertaining. At the heart of the home is a stunning new kitchen featuring sleek new cabinetry, elegant quartz countertops, modern finishes, and a cleverly concealed hidden pantry that provides generous storage while maintaining the kitchen's clean, streamlined design. The spacious primary bedroom offers a comfortable retreat with a large walk in closet, while the beautifully updated interior makes this home truly move-in ready. Ideally situated in Point Loma, just minutes from Ocean Beach, Mission Bay, Liberty Station, beaches, dining, shopping, and recreation. With its spacious layout, thoughtful upgrades, hidden storage, and stylish finishes, this turnkey residence offers an exceptional opportunity to enjoy modern living in one of San Diego's most desirable coastal communities.

Mortgage Calculator

Est. Monthly Payment

$3,790

Principal & Interest$2,543
Property Tax$455
Insurance$133
HOA$660
%($91,000)
%
Loan Term

Location

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Investment Score

46B
Est. Monthly Rent
$2,754

10 leases of studio–2 bed condos & townhomes within 0.5 mi · $2,624–$2,925

Blended 50/50 with the zip's market median ($2,693)

Monthly Cashflow

Rent − PITIA

-$1,037
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,049

What would make this work?

$2,049/mo short at 20% down; 85% down or +$2,661/mo rent closes it.

Break-even price

58% under asking

$189,391
Break-even rent

$2,661/mo above the estimate

$5,415/mo
Cashflow at 35% down
−$1,572/mo
Down payment to break even

$386,750 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,543
Cap Rate
1.66%
Cash-on-Cash
-27.02%
DSCR

Need ≥ 1.25 for DSCR loan

0.73

NOI (Annual)
$7,573
Price-to-Rent

Lower = better for investors

13.8

* 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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BCashflow−$2,049/mo