4570 54th Street #128
Atop 10%San Diego, CA 92115
26 licensed short-term rentals within ½ mile (11 whole home), from the cities' license and permit lists of Nov 5, 2026.
No unit in this 60-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: -$1,600/mo full cashflow at 20% down, 7.49% rate.
Works at $161,575 (56% under asking), or at 83% down.
Rent $2,082/mo from 12 leases of studio–2 bed condos & townhomes within 0.5 mi ($1,944–$2,473).
Beds
1
Baths
1
Sqft
625
Year Built
1995
Days on Market
0
Property Type
Condo
HOA/mo
$357
MLS ID
PTP2608199
This property is in San Diego (92115). View neighborhood stats →
About This Property
BUYERS!! This Condo is FHA and VA approved. Great opportunity to buy in a central location in a very nice complex. This thoughtfully designed 1-bedroom condo offers comfort, convenience and an excellent location. It is move in ready with new flooring, freshly painted, dual pane windows , in-unit laundry, its own private patio and its own covered parking space. The Carriage House condos offers privacy and a spacious lobby, a nice courtyard with a swimming pool, controlled building access and an exercise room. Located near shopping and dining and SDSU. The low HOA fee of $357/month also includes water, sewer and trash. Why Rent? Must see to appreciate!
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Est. Monthly Payment
$2,896
Location
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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.
Comparable Properties
5 comps foundThis Property
$2,082
Comp Average
$1,902
4261 49th Street
1bd / 1ba · 660 sqft · Condo
$284K
Est. $1,967/mo
6735 Amherst Street
1bd / 1ba · 581 sqft · Condo
$295K
Est. $1,914/mo
6333 College Grove Way
1bd / 1ba · 625 sqft · Condo
$299K
Est. $1,925/mo
5252 Orange Avenue
1bd / 1ba · 548 sqft · Condo
$328K
Est. $1,824/mo
4501 Collwood
1bd / 1ba · 686 sqft · Condo
$335K
Est. $1,878/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of studio–2 bed condos & townhomes within 0.5 mi · $1,944–$2,473
Blended 50/50 with the zip's market median ($1,942)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,600/mo short at 20% down; 83% down or +$2,078/mo rent closes it.
- Break-even price
- $161,575
- Break-even rent
- $4,160/mo
- Cashflow at 35% down
- −$1,214/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
56% under asking
$2,078/mo above the estimate
$306,270 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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