450 J St
1 / 20

450 J St #4131

D

San Diego, CA 92101

$760,000
NEW — 0d

Beds

2

Baths

2

Sqft

993

Year Built

2004

Days on Market

0

Property Type

Condo

HOA/mo

$754

MLS ID

NDP2604999

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

Virtual Tour

About This Property

Take advantage of a rare opportunity to assume an incredible 4.75% interest rate in today’s market while owning a stunning corner residence in the heart of San Diego’s iconic Gaslamp Quarter. Live at the center of it all in this light-filled home, where expansive windows showcase vibrant city views and flood the space with natural light from sunrise to sunset. With desirable southeast-facing exposure, the residence feels bright, open, and energized throughout the day. The modern kitchen blends style and functionality with sleek quartz countertops, stainless steel appliances, and a seamless flow into the main living space—perfect for entertaining or relaxing at home. Designed with both comfort and privacy in mind, the thoughtfully separated bedroom layout places rooms on opposite sides of the unit, making it ideal for guests, roommates, or a dedicated work-from-home setup. Enjoy everyday convenience with an in-unit washer and dryer, plus two secured underground tandem parking spaces. Residents also enjoy resort-style amenities including 24-hour security, pool and spa, fitness center, and inviting outdoor gathering spaces. HOA coverage includes common area maintenance, pest control, sewer, trash, and water. Just moments from Petco Park, top-rated dining, cafés, nightlife, shopping, and major freeway access, this residence offers the ultimate downtown San Diego lifestyle. A rare chance to secure a beautifully appointed home with the added value of a 4.75% VA assumable loan in one of San Diego’s most dynamic and walkable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$5,579

Principal & Interest$3,843
Property Tax$760
Insurance$222
HOA$754
%($152,000)
%

Location

Loading map...

Investment Score

18D
Est. Monthly Rent
$3,420
Monthly Cashflow

Rent − PITIA

$-2,159
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,579

Mortgage (P+I)
$3,843
Cap Rate
0.42%
Cash-on-Cash
-28.25%
DSCR

Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$8,068

NOI (Annual)
$3,169
Price-to-Rent

Lower = better for investors

18.5

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator