
5628 Linda Rosa
Ctop 80%La Jolla, CA 92037
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$7,781
Comp Average
$7,506
5943 La Jolla Corona Drive
3bd / 2ba · 1,922 sqft · Single Family
$3.25M
Est. $8,992/mo
7235 Fay Ave
3bd / 2ba · 1,718 sqft · Single Family
$2.85M
Est. $7,554/mo
8866 Cliffridge Ave
3bd / 2ba · 1,724 sqft · Single Family
$2.75M
Est. $6,545/mo

6381 Castejon
3bd / 2ba · 1,950 sqft · Single Family
$3.00M
Est. $7,378/mo
7160 Caminito Pepino
3bd / 2ba · 1,950 sqft · Single Family
$3.00M
Est. $7,062/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,707/mo short at 20% down; 99% down or +$19,100/mo rent closes it.
- Break-even price
- $780,019
- Break-even rent
- $26,881/mo
- Cashflow at 35% down
- −$11,900/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$19,100/mo above the estimate
$2,668,050 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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