4957 Old Cliffs Rd
Atop 10%San Diego, CA 92120
Pass at asking: -$1,058/mo full cashflow at 20% down, 7.43% rate.
Works at $91,274 (60% under asking), or at 87% down.
Rent $3,420/mo: zip market median for this bed count.
Beds
3
Baths
2
Sqft
1,344
Year Built
1997
Days on Market
0
Property Type
Manufactured
HOA/mo
$1,932
MLS ID
260026444SD
This property is in San Diego (92120). View neighborhood stats →
About This Property
Perched on a bluff in The Cliffs 55+ MHP, is this well-loved 3 BR, 2 BA, manufactured home. Stunning views and sunsets from the 500+ sf hardwood wrap around deck. Newer shingle roof, vinyl windows, and recent exterior paint. Upgrades include a solar powered whole house exhaust fan, newer furnace, and 3 energy efficient window AC’s. Interior features vaulted ceiling, stranded bamboo hardwood flooring and generous windows. Yes, the beautiful corner fireplace conveys! Dining room features a built-in hutch, the galley kitchen with ample cabinets, and large pantry. The primary bedroom features a huge walk in closet with custom shelving. Primary bathroom has a longer single sink vanity, a step in shower with seats, and plenty of storage cabinets. The guest bathroom is upgraded with a deeper porcelain bathtub surrounded by ceramic tiles, newer fixtures, and handheld shower. The 3rd bedroom is a hidden gem perfect for a private office making it easier to maintain boundaries between work and home.
Mortgage Calculator
Est. Monthly Payment
$3,500
Location
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Zoned Schools
Elementary
Foster Elementary · grades K-5 · San Diego Unified
Middle
Lewis Middle · grades 6-8 · San Diego Unified
High
Henry 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
4 comps foundThis Property
$3,420
Comp Average
$2,155
4848 Old Cliffs Road
2bd / 2ba · 1,100 sqft · Manufactured
$184K
Est. $2,155/mo
4820 Old Cliffs Rd
2bd / 2ba · 1,040 sqft · Mfd/Mobile Home
$215K
Est. $2,155/mo
4922 Old Cliffs Rd.
2bd / 2ba · 1,325 sqft · Manufactured
$265K
Est. $2,155/mo
4942 Old Cliffs Rd.
2bd / 2ba · 1,140 sqft · Manufactured
$269K
Est. $2,155/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Zip market median for this bed count
Thin data: no closed leases like this one nearby.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,058/mo short at 20% down; 87% down or +$1,374/mo rent closes it.
- Break-even price
- $91,274
- Break-even rent
- $4,794/mo
- Cashflow at 35% down
- −$819/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$1,374/mo above the estimate
$199,230 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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