5459 Caminito Borde
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5459 Caminito Borde

Ctop 80%

San Diego, CA 92108

$949,999
STR: check · no permits on this tract · TOT 12.75%

1 licensed short-term rental within ½ mile (0 whole home), from the cities' license and permit lists of Nov 11, 2026.

None of the 146 homes on this home's recorded tract 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: -$4,688/mo full cashflow at 20% down, 7.43% rate.

Works at $339,674 (64% under asking), or at 92% down.

Rent $4,401/mo from 20 leases of 3-bed houses within 2 mi ($4,358–$5,059).

Beds

3

Baths

2.5

Sqft

1,750

Year Built

1978

Days on Market

96

Property Type

Single Family

HOA/mo

$780

MLS ID

260019287SD

This property is in San Diego (92108). View neighborhood stats →

Virtual Tour

About This Property

Beautifully maintained open-concept home in the highly desirable Kensington area featuring 3 bedrooms and 2.5 bathrooms. The main living space flows seamlessly into a beautifully updated kitchen with upgraded appliances, custom cabinetry, and additional pantry storage. The flexible multi-level floor plan offers spacious secondary bedrooms, including one with a private balcony, while the secluded top-floor primary suite features its own private deck, a large ensuite bathroom, and walk-in closet. A standout feature of the home is the finished loft space off one of the bedrooms, offering more than 300 square feet of additional usable space not included in the listed square footage perfect for a home office, playroom, gym, or creative retreat. Additional highlights include a private backyard, multiple balconies, abundant natural light, an attached 2-car garage, and driveway parking. The community features beautifully landscaped grounds, two pools, a spa, clubhouse, ample guest parking, and scenic walking trails. One of the most unique aspects of this property is the direct walking path access into the heart of Kensington, placing popular restaurants, coffee shops, and neighborhood favorites just moments away.

Mortgage Calculator

Est. Monthly Payment

$7,285

Principal & Interest$5,278
Property Tax$950
Insurance$277
HOA$780
%($190,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Franklin Elementary · grades K-5 · San Diego Unified

  • Middle

    Lewis Middle · grades 6-8 · San Diego Unified

    or Wilson Middle · grades 6-8 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • High

    Henry High · grades 9-12 · San Diego Unified

    or Hoover High · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

13C
Est. Monthly Rent
$4,401

20 leases of 3-bed houses within 2 mi · $4,358–$5,059

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,884
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,688

What would make this work?

$4,688/mo short at 20% down; 92% down or +$6,088/mo rent closes it.

Break-even price

64% under asking

$339,674
Break-even rent

$6,088/mo above the estimate

$10,489/mo
Cashflow at 35% down
−$3,698/mo
Down payment to break even

$873,999 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,278
Cap Rate
1.02%
Cash-on-Cash
-29.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)
$9,722
Price-to-Rent

Lower = better for investors

18.0

* 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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CCashflow−$4,688/mo