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.
120 licensed short-term rentals within ½ mile (81 whole home), from the cities' license and permit lists of Nov 14, 2026.
Pass at asking: -$12,848/mo full cashflow at 20% down, 7.36% rate.
Works at $817,773 (67% under asking), or at 95% down.
Rent $8,117/mo from 16 leases of 2–4 bed houses within 0.5 mi ($7,212–$10,538).
Beds
3
Baths
3
Sqft
1,516
Year Built
1955
Days on Market
1
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027072SD
This property is in La Jolla (92037). View neighborhood stats →
About This Property
Welcome to Bird Rock living! Set above the street and facing west in one of the neighborhood's most coveted pockets, this home sits on a 6,000 square foot lot full of possibility. Original hardwood floors, walls of windows, and an open great room fill the main level with light. All three bedrooms are upstairs, two with peekaboo ocean views. Out back, a generous yard offers space for a pool and a sunny garden patio for entertaining. Enjoy it as is, update over time, or build your coastal dream home with up to approximately 3,600 square feet that captures the view. One garage may also convert into a roughly 300 square foot junior ADU. Location, light, and possibility, all in the heart of Bird Rock.
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Est. Monthly Payment
$17,015
Location
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Comparable Properties
5 comps foundThis Property
$8,117
Comp Average
$7,701
5628 Linda Rosa
3bd / 3ba · 1,783 sqft · Single Family
$2.69M
Est. $7,781/mo
7235 Fay Ave
3bd / 2ba · 1,718 sqft · Single Family
$2.85M
Est. $7,639/mo
370 Nautilus St
3bd / 3ba · 1,429 sqft · Single Family
$3.30M
Est. $7,508/mo
8866 Cliffridge Ave
3bd / 2ba · 1,724 sqft · Single Family
$2.75M
Est. $6,411/mo
La Jolla
3bd / 2ba · 1,280 sqft · Single Family
$3.49M
Est. $9,168/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
16 leases of 2–4 bed houses within 0.5 mi · $7,212–$10,538
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$12,848/mo short at 20% down; 95% down or +$16,686/mo rent closes it.
- Break-even price
- $817,773
- Break-even rent
- $24,803/mo
- Cashflow at 35% down
- −$10,263/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
67% under asking
$16,686/mo above the estimate
$2,374,050 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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