5598 Caminito Genio

5598 Caminito Genio

Dbottom 20%

La Jolla, CA 92037

$3,350,000
NEW — 0d
STR: check · no permits on this tract · TOT 12.75%

32 licensed short-term rentals within ½ mile (22 whole home), from the cities' license and permit lists of Nov 3, 2026.

None of the 74 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: -$19,636/mo full cashflow at 20% down, 7.49% rate.

Works at $804,210 (76% under asking); even all cash loses money at asking.

Rent $8,550/mo from 13 leases of 3–5 bed houses within 0.5 mi ($7,941–$10,060).

Beds

4

Baths

2.5

Sqft

2,768

Year Built

1995

Days on Market

0

Property Type

Single Family

HOA/mo

$380

MLS ID

260026180SD

This property is in La Jolla (92037). View neighborhood stats →

About This Property

Beautifully remodeled and thoughtfully designed for indoor-outdoor living, this single-level home with solar (owned) captures serene canyon and ocean views. The light-filled, open concept floor plan welcomes you with a spacious living and dining great room featuring a fireplace and abundant windows. The gourmet chef's kitchen showcases a Jenn Air refrigerator, Fisher & Paykel dual dishwashers, custom cabinetry, and a generous center island. Opening to the enlarged family room and breakfast area, this inviting space flows through cantina-style doors to an expansive yard overlooking the canyon and ocean. The primary suite also offers ocean and canyon views, a fireplace, two large walk-in closets, direct yard access, and a beautifully remodeled, spa-like bathroom. Additional features of the home include newer HVAC, an EV charging station, a newer water heater, hardwood floors throughout the main living areas and three car garage. Enjoy access to the resort-style amenities of the La Jolla Alta Clubhouse, including five tennis courts with pickleball, two swimming pools (including a lap pool heated year-round), jacuzzi, sauna, fitness center, lounge/library, and an entertaining room with a kitchen for special occasions. Conveniently located near La Jolla's renowned beaches, the Cove, the Village, top-rated schools, fine dining, shopping, and recreation, this home offers an exceptional opportunity to embrace the La Jolla coastal lifestyle.

Mortgage Calculator

Est. Monthly Payment

$23,428

Principal & Interest$18,721
Property Tax$3,350
Insurance$977
HOA$380
%($670,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bird Rock 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.

Investment Score

0D
Est. Monthly Rent
$8,550

13 leases of 3–5 bed houses within 0.5 mi · $7,941–$10,060

Blended 50/50 with the zip's market median ($8,023)

Monthly Cashflow

Rent − PITIA

-$14,878
Full Cashflow

Incl. vacancy, PM, maint, capex

-$19,636

What would make this work?

$19,636/mo short at 20% down; +$25,501/mo rent closes it.

Break-even price

76% under asking

$804,210
Break-even rent

$25,501/mo above the estimate

$34,051/mo
Cashflow at 35% down
−$16,126/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)
$18,721
Cap Rate
-0.17%
Cash-on-Cash
-35.17%
DSCR

Need ≥ 1.25 for DSCR loan

0.36

NOI (Annual)
-$5,852
Price-to-Rent

Lower = better for investors

32.7

* 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.

Open Full Calculator
DCashflow−$19,636/mo