
5524 Caminito Herminia
Ctop 80%La Jolla, CA 92037
24 licensed short-term rentals within ½ mile (14 whole home), from the cities' license and permit lists of Nov 3, 2026.
No unit in this 71-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: -$9,368/mo full cashflow at 20% down, 7.49% rate.
Works at $520,481 (70% under asking), or at 98% down.
Rent $7,227/mo from 9 leases of 3–5 bed condos & townhomes within 2 mi ($6,460–$7,561).
Beds
4
Baths
2.5
Sqft
2,268
Year Built
1971
Days on Market
45
Property Type
Condo
HOA/mo
$1,550
MLS ID
NDP2608777
This property is in La Jolla (92037). View neighborhood stats →
About This Property
A rare opportunity to own a beautifully updated and exceptionally versatile residence in the sought-after Mount La Jolla community. This spacious 2,268-square-foot home offers 4 bedrooms, 2.5 baths, and the highly desirable convenience of a 3-car attached garage. From the moment you enter, the home feels fresh, refined, and inviting. New luxury vinyl plank flooring flows throughout, complemented by fresh interior paint, recessed Halo lighting, and new ceiling fans and designer light fixtures. New central cooling adds modern comfort to the thoughtfully updated interior. The primary suite offers a truly special retreat. A former fourth bedroom, now accessed through the primary bedroom, has been transformed into an expansive walk-in closet with a dedicated office area and desk overlooking the beautifully landscaped grounds. The result is a custom-feeling space that combines exceptional wardrobe storage with a serene and inspiring work-from-home setting. The home's outdoor spaces are equally inviting. Two separate patio areas provide wonderful options for al fresco dining, entertaining, or simply enjoying the peaceful surroundings. At the heart of the home, a charming center courtyard with a water fountain creates an elegant focal point and a tranquil transition between the living spaces and outdoors. The mostly finished 3-car attached garage provides an uncommon level of parking, storage, and flexibility. Every update has been selected to enhance the home's comfort and livability while preserving the character and appeal of its Mount La Jolla setting. Residents of Mount La Jolla enjoy beautifully landscaped grounds and an impressive collection of community amenities, including multiple pools and spas, tennis courts, fitness facilities, clubhouse and recreational areas. With its generous floor plan, sophisticated updates, unique primary-suite retreat, exceptional garage, and inviting outdoor living spaces, this is a home that offers both everyday comfort and an effortless setting for entertaining.
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Est. Monthly Payment
$13,487
Location
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Zoned Schools
Elementary
La Jolla 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
$7,227
Comp Average
$7,266
9606 Claiborne Square
4bd / 2.5ba · 2,601 sqft · Condo
$1.59M
Est. $8,317/mo
9703 Keeneland
4bd / 2.5ba · 2,601 sqft · Condo
$1.59M
Est. $6,724/mo
7977 Caminito Del Cid
3bd / 3ba · 2,131 sqft · Townhouse
$1.70M
Est. $7,275/mo
1465 Caminito Solidago
3bd / 2.5ba · 2,558 sqft · Condo
$1.95M
Est. $7,209/mo
5516 Caminito Herminia
3bd / 3ba · 2,062 sqft · Townhouse
$1.70M
Est. $6,805/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 3–5 bed condos & townhomes within 2 mi · $6,460–$7,561
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$9,368/mo short at 20% down; 98% down or +$12,166/mo rent closes it.
- Break-even price
- $520,481
- Break-even rent
- $19,393/mo
- Cashflow at 35% down
- −$7,550/mo
- Down payment to break even
- 98%
- Rate to break even
- Not reachable
70% under asking
$12,166/mo above the estimate
$1,700,300 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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