6064 Rancho Mission Rd

6064 Rancho Mission Rd

Atop 10%

San Diego, CA 92108

$399,000
NEW — 0d
STR: check · no permits in this complex · TOT 12.75%

3 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 80-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: -$1,660/mo full cashflow at 20% down, 7.36% rate.

Works at $181,775 (54% under asking), or at 81% down.

Rent $2,495/mo from 1 lease in this building.

Beds

2

Baths

1

Sqft

824

Year Built

1977

Days on Market

0

Property Type

Condo

HOA/mo

$532

MLS ID

260026956SD

This property is in San Diego (92108). View neighborhood stats →

About This Property

Welcome to 6064 Rancho Mission! This newly renovated 2-bedroom, 1-bath residence offers a fresh, move-in-ready interior featuring new carpet and new paint throughout. Enjoy your own private patio, perfect for relaxing, entertaining, or enjoying the San Diego lifestyle. The community offers an impressive selection of resort-style amenities, including two swimming pools, a Jacuzzi, sauna, barbecue areas, billiards room, basketball court, tennis court, and workout room. With comfortable living spaces, recent updates, and access to extensive recreational amenities, this property offers an excellent combination of convenience and lifestyle. Seller will credit buyer $15,000 credit towards rate buy down if closed by 12/31/26

Mortgage Calculator

Est. Monthly Payment

$3,249

Principal & Interest$2,201
Property Tax$399
Insurance$116
HOA$532
%($79,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Foster Elementary · grades K-5 · San Diego Unified

    or Juarez Elementary · grades K-5 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • Middle

    Lewis Middle · grades 6-8 · San Diego Unified

    or Taft Middle · grades 6-8 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • High

    Kearny Digital Media & Design · grades 9-12 · San Diego Unified

    or Kearny School of Biomedical Science and Technology · grades 9-12 · San Diego Unified

    or Kearny College Connections · grades 9-12 · San Diego Unified

    or Kearny Eng Innov & Design · grades 9-12 · San Diego Unified

    or Henry High · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

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

53A
Est. Monthly Rent
$2,495

1 lease in this building

Thin data: only 1 lease behind this number.

Monthly Cashflow

Rent − PITIA

-$753
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,660

What would make this work?

$1,660/mo short at 20% down; 81% down or +$2,155/mo rent closes it.

Break-even price

54% under asking

$181,775
Break-even rent

$2,155/mo above the estimate

$4,650/mo
Cashflow at 35% down
−$1,247/mo
Down payment to break even

$323,190 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,201
Cap Rate
2.00%
Cash-on-Cash
-24.96%
DSCR

Need ≥ 1.25 for DSCR loan

0.77

NOI (Annual)
$7,997
Price-to-Rent

Lower = better for investors

13.3

* Modelled at 20% down, 7.36% 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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ACashflow−$1,660/mo