550 Front Street #1501
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550 Front Street #1501

Dbottom 20%

San Diego, CA 92101

$2,099,000
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 11, 2026.

No unit in this 58-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: -$13,881/mo full cashflow at 20% down, 7.43% rate.

Works at $291,592 (86% under asking); even all cash loses money at asking.

Rent $5,485/mo from 1 lease in this building (±1 bed).

Beds

2

Baths

2.5

Sqft

1,676

Year Built

2005

Days on Market

91

Property Type

Condo

HOA/mo

$1,983.95

MLS ID

260019251SD

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

Virtual Tour

About This Property

FOUR DESIGNATED PARKING SPACES — an uncommon luxury within the downtown market — offered with Residence 1501 at The Pinnacle Marina Tower, one of downtown San Diego's most distinguished luxury high-rises. With 10-foot ceilings and floor-to-ceiling windows, this sophisticated corner residence frames sweeping bay views and opens to two expansive private patios. A newly remodeled fireplace serves as an elegant focal point within the refined living space, complemented by brand-new quartz countertops, fresh paint throughout, and updated fixtures. The thoughtfully designed split-bedroom floor plan features a versatile guest bedroom with a Murphy bed (included with sale), a primary suite complete with his-and-her closets, and a bonus half bath for guests. Residents of Pinnacle Marina Tower enjoy resort-caliber amenities, including a 95-foot lap pool, hot tub, sauna, steam room, fitness center, resident lounge with billiards and boardroom, concierge service, guest suite, guest parking, and an on-site management team. Ideally situated adjacent to the Children's Museum and Park, this luxury high-rise offers effortless access to the MLK Path, Seaport Village, the Gaslamp Quarter, and the San Diego Bay waterfront. A rare combination of luxury, location, and parking — presented in one extraordinary home.

Mortgage Calculator

Est. Monthly Payment

$16,356

Principal & Interest$11,661
Property Tax$2,099
Insurance$612
HOA$1,984
%($419,800)
%
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

0D
Est. Monthly Rent
$5,485

1 lease in this building (±1 bed)

Blended 50/50 with a property-level estimate

Thin data: only 1 lease behind this number.

A property-level estimate runs more than 25% above what comparable homes leased for ($4,826). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$10,871
Full Cashflow

Incl. vacancy, PM, maint, capex

-$13,881

What would make this work?

$13,881/mo short at 20% down; +$18,028/mo rent closes it.

Break-even price

86% under asking

$291,592
Break-even rent

$18,028/mo above the estimate

$23,513/mo
Cashflow at 35% down
−$11,695/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)
$11,661
Cap Rate
-1.11%
Cash-on-Cash
-39.68%
DSCR

Need ≥ 1.25 for DSCR loan

0.34

NOI (Annual)
-$23,357
Price-to-Rent

Lower = better for investors

31.9

* 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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DCashflow−$13,881/mo