5628 Linda Rosa
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5628 Linda Rosa

Ctop 80%

La Jolla, CA 92037

$2,695,000
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

82 licensed short-term rentals within ½ mile (49 whole home), from the cities' license and permit lists of Nov 11, 2026.

Pass at asking: -$14,707/mo full cashflow at 20% down, 7.43% rate.

Works at $780,019 (71% under asking), or at 99% down.

Rent $7,781/mo from 16 leases of 2–4 bed houses within 0.5 mi, same school area ($8,566–$11,660).

Beds

3

Baths

3

Sqft

1,783

Year Built

1962

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2608990

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

Virtual Tour

About This Property

Set on an elevated cul-de-sac in the heart of Bird Rock, this La Jolla home captures sweeping ocean and treetop views. Expansive windows bring in abundant natural light and frame the surrounding scenery throughout the main living areas. A permitted, approximately 500-square-foot ocean-view terrace extends the living space outdoors, providing an exceptional setting for entertaining, dining and enjoying unforgettable sunsets. Mature fruit trees add greenery and a relaxed coastal feel. A separate lower-level bonus space with a bathroom, sink and mini refrigerator offers flexibility for a studio, home office or creative retreat. Inside, custom finishes are complemented by premium appliances and a wine refrigerator. The home has also been thoughtfully improved over time with updated windows and doors, roof, HVAC, tankless water heater and remodeled bathrooms. Conveniently located near the beach, local cafés, restaurants and Bird Rock Elementary School. The property offers approximately 1,783 square feet of combined living and bonus space, including approximately 1,417 square feet on the main level and a versatile 366-square-foot lower-level bonus room with a full bathroom. Square footage is based on a prior appraisal and differs from public records. Buyer to independently verify all measurements, permits and intended use.

Mortgage Calculator

Est. Monthly Payment

$18,453

Principal & Interest$14,972
Property Tax$2,695
Insurance$786
%($539,000)
%
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

3C
Est. Monthly Rent
$7,781

16 leases of 2–4 bed houses within 0.5 mi, same school area · $8,566–$11,660

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% below what comparable homes leased for ($9,108). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$10,672
Full Cashflow

Incl. vacancy, PM, maint, capex

-$14,707

What would make this work?

$14,707/mo short at 20% down; 99% down or +$19,100/mo rent closes it.

Break-even price

71% under asking

$780,019
Break-even rent

$19,100/mo above the estimate

$26,881/mo
Cashflow at 35% down
−$11,900/mo
Down payment to break even

$2,668,050 cash

99%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$14,972
Cap Rate
0.29%
Cash-on-Cash
-32.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.42

NOI (Annual)
$7,843
Price-to-Rent

Lower = better for investors

28.9

* 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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CCashflow−$14,707/mo