550 Front St #302
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550 Front St #302

Ctop 80%

San Diego, CA 92101

$575,000
NEW — 0d
STR: check · no permits in this complex · TOT 13.75%

92 licensed short-term rentals within ½ mile (78 whole home), from the cities' license and permit lists of Nov 5, 2026.

No unit in this 64-unit complex 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: -$3,685/mo full cashflow at 20% down, 7.49% rate.

Works at $97,284 (83% under asking); even all cash loses money at asking.

Rent $3,200/mo from 1 lease in this building.

Beds

1

Baths

1

Sqft

737

Year Built

2005

Days on Market

0

Property Type

Condo

HOA/mo

$1,714

MLS ID

260026294SD

This property is in San Diego (92101). View neighborhood stats →

About This Property

LUXURY URBAN LIVING! Experience modern elegance at the coveted Pinnacle Marina Tower. Marina District is considered the most prestigious area in downtown San Diego, and the Pinnacle Marina Tower is one of the most sought-after condo buildings. This beautifully maintained residence features soaring 10-foot ceilings, gleaming marble flooring, and floor-to-ceiling windows that bathe the space in natural light. The open kitchen showcases premium Snaidero Italian Cabinetry, a Sub-Zero refrigerator, granite countertops, new Bosch dishwasher, and gas cooktop. The spa-inspired bathroom features marble tile, a Jacuzzi tub/shower combo, and updated Kohler fixtures. The spacious bedroom offers new carpet and dual mirrored closets for ample storage. You will love the expansive 25ft x 7.5ft (Approx.) east-facing private balcony with views of the beautifully landscaped pool deck and downtown cityscape. Home also includes an electric fireplace, a stackable washer/dryer unit, one assigned parking space, and a large storage unit. The Pinnacle Marina Tower delivers an unparalleled lifestyle with full-service concierge, 24-hour security personnel, state-of-the-art fitness center with sauna and steam room, lap pool and whirlpool, outdoor kitchen with BBQ area, remodeled community room with full kitchen, conference room, bicycle storage, and guest suite for visiting family and friends. On-site HOA management office. This turnkey residence is steps from the Waterfront, Seaport Village, the Rady Shell at Jacobs Park, Gaslamp, Petco Park, and Little Italy.

Mortgage Calculator

Est. Monthly Payment

$5,670

Principal & Interest$3,213
Property Tax$575
Insurance$168
HOA$1,714
%($115,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Washington Elementary · grades PK-5 · San Diego Unified

  • Middle

    Roosevelt International Middle · grades 6-8 · San Diego Unified

  • High

    San Diego 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.

Investment Score

13C
Est. Monthly Rent
$3,200

1 lease in this building

Thin data: only 1 lease behind this number.

Monthly Cashflow

Rent − PITIA

-$2,470
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,685

What would make this work?

$3,685/mo short at 20% down; +$4,786/mo rent closes it.

Break-even price

83% under asking

$97,284
Break-even rent

$4,786/mo above the estimate

$7,986/mo
Cashflow at 35% down
−$3,083/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,213
Cap Rate
-0.65%
Cash-on-Cash
-38.46%
DSCR

Need ≥ 1.25 for DSCR loan

0.56

NOI (Annual)
-$3,746
Price-to-Rent

Lower = better for investors

15.0

* Modelled at 20% down, 7.49% 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−$3,685/mo