5421 Linda Rosa
Ctop 80%La Jolla, CA 92037
One license per person in San Diego: whether you can hold it depends on you, not only the home.
114 licensed short-term rentals within ½ mile (78 whole home), from the cities' license and permit lists of Nov 6, 2026.
Pass at asking: -$13,245/mo full cashflow at 20% down, 7.43% rate.
Works at $820,424 (68% under asking), or at 95% down.
Rent $8,183/mo from 11 leases of 2–4 bed houses within 0.5 mi, same school area ($7,681–$9,549).
Beds
3
Baths
3
Sqft
1,516
Year Built
1955
Days on Market
46
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023054SD
This property is in La Jolla (92037). View neighborhood stats →
About This Property
Elevated above the street and facing west in one of Bird Rock's most sought after pockets, this home sits on 6,000 square foot lot with room to dream. The bones are beautiful: original hardwood floors, walls of windows that fill every room with natural light, and an open main living area that flows as one great room. All three bedrooms live upstairs, two of them have some peak ocean views. Out back, a spacious yard offers plenty of room for a pool alongside a garden patio which makes an easy spot for outdoor entertaining or soaking up the sun. Move in and refresh the finishes over time, or use this as your canvas. Buyers looking to build have the potential to construct up to 3,600 square feet and truly capture the view, and there's added flexibility to convert one of the garages into a roughly 300 square foot studio junior ADU. A rare combination of location, light, and possibility in the heart of Bird Rock.
Mortgage Calculator
Est. Monthly Payment
$17,426
Location
Loading map...
Zoned Schools
Elementary
Bird Rock Elementary · grades K-5 · San Diego Unified
Middle
Muirlands Middle · grades 6-8 · San Diego Unified
High
La Jolla 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
$8,183
Comp Average
$7,866
414 La Canada Street
3bd / 2ba · 1,540 sqft · Single Family
$2.89M
Est. $8,323/mo
5628 Linda Rosa
3bd / 3ba · 1,783 sqft · Single Family
$2.69M
Est. $7,672/mo
370 Nautilus St
3bd / 3ba · 1,429 sqft · Single Family
$3.30M
Est. $7,613/mo
8866 Cliffridge Ave
3bd / 2ba · 1,724 sqft · Single Family
$2.75M
Est. $6,671/mo
La Jolla
3bd / 2ba · 1,280 sqft · Single Family
$3.49M
Est. $9,049/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 2–4 bed houses within 0.5 mi, same school area · $7,681–$9,549
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$13,245/mo short at 20% down; 95% down or +$17,202/mo rent closes it.
- Break-even price
- $820,424
- Break-even rent
- $25,385/mo
- Cashflow at 35% down
- −$10,594/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
68% under asking
$17,202/mo above the estimate
$2,417,750 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.
Open Full Calculator