4754 68th St B

4754 68th St B

Atop 10%

San Diego, CA 92115

$549,000
STR: check · HOA rules unknown · TOT 12.75%

18 licensed short-term rentals within ½ mile (13 whole home), from the cities' license and permit lists of Nov 8, 2026.

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$1,837/mo full cashflow at 20% down, 7.43% rate.

Works at $309,891 (44% under asking), or at 69% down.

Rent $3,623/mo from 8 leases of 3-bed condos & townhomes within 2 mi ($3,368–$3,755).

Beds

3

Baths

2

Sqft

1,408

Year Built

1979

Days on Market

—

Property Type

Townhouse

HOA/mo

$410

MLS ID

260026650SD

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

About This Property

Set in the charming Rolando Village neighborhood, this well-designed three-bedroom home effortlessly combines comfort and everyday functionality. The open living area moves seamlessly into the kitchen and out to a large private patio, creating a great setup for dining or relaxing outside. Upstairs, the main bedroom offers a quiet retreat, while dedicated in-unit laundry and two assigned parking spots make day-to-day living simple. Located in a quiet, well-kept complex, it's a solid find in a great San Diego location.

Mortgage Calculator

Est. Monthly Payment

$4,169

Principal & Interest$3,050
Property Tax$549
Insurance$160
HOA$410
%($109,800)
%
Loan Term

Location

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Investment Score

64A
Est. Monthly Rent
$3,623

8 leases of 3-bed condos & townhomes within 2 mi · $3,368–$3,755

Blended 50/50 with the zip's market median ($3,746)

Monthly Cashflow

Rent − PITIA

-$546
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,837

What would make this work?

$1,837/mo short at 20% down; 69% down or +$2,385/mo rent closes it.

Break-even price

44% under asking

$309,891
Break-even rent

$2,385/mo above the estimate

$6,008/mo
Cashflow at 35% down
−$1,265/mo
Down payment to break even

$378,810 cash

69%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,050
Cap Rate
3.05%
Cash-on-Cash
-20.07%
DSCR

Need ≥ 1.25 for DSCR loan

0.87

NOI (Annual)
$16,732
Price-to-Rent

Lower = better for investors

12.6

* 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.

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ACashflow−$1,837/mo