6070 Rancho Mission #434
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6070 Rancho Mission #434

Btop 30%

San Diego, CA 92108

$319,900
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 8, 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: -$1,561/mo full cashflow at 20% down, 7.43% rate.

Works at $116,600 (64% under asking), or at 91% down.

Rent $1,889/mo from 8 leases of 1-bed condos & townhomes within 0.5 mi, same school area ($1,802–$1,841).

Beds

1

Baths

1

Sqft

530

Year Built

1977

Days on Market

45

Property Type

Condo

HOA/mo

$559

MLS ID

SB26207624

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

About This Property

Welcome to 6070 Rancho Mission Rd., Unit 434, where comfort, convenience, and the Mission Valley lifestyle come together. This inviting upstairs 1-bedroom, 1-bath condominium offers approximately 530 sq. ft. of thoughtfully designed living space in a central San Diego location.Step inside to a freshly painted interior and an open floor plan that allows the living and dining areas to flow naturally together. Laminate flooring adds a clean, modern touch, while the well-appointed kitchen provides a functional space for everyday living. The full bathroom features a shower/tub combination, and wall A/C provides added comfort. Step outside onto your private balcony for an additional space to relax and enjoy the San Diego weather.Everyday convenience continues with one assigned parking space located near the unit. Within Rancho Mission Villas, residents can enjoy a variety of community amenities, including two swimming pools, a fitness center, tennis courts, BBQ areas, recreation spaces, and community laundry facilities.Beyond the community, Mission Valley puts so much of San Diego within convenient reach. Snapdragon Stadium, SDSU Mission Valley, trolley access, shopping, dining, and major transportation routes are nearby, with convenient access to Downtown San Diego, Mission Bay, beaches, and many of the city's popular destinations.Freshly painted, centrally located, and surrounded by community amenities, Unit 434 is ready to begin its next chapter.

Mortgage Calculator

Est. Monthly Payment

$2,749

Principal & Interest$1,777
Property Tax$320
Insurance$93
HOA$559
%($63,980)
%
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

46B
Est. Monthly Rent
$1,889

8 leases of 1-bed condos & townhomes within 0.5 mi, same school area · $1,802–$1,841

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$860
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,561

What would make this work?

$1,561/mo short at 20% down; 91% down or +$2,027/mo rent closes it.

Break-even price

64% under asking

$116,600
Break-even rent

$2,027/mo above the estimate

$3,916/mo
Cashflow at 35% down
−$1,228/mo
Down payment to break even

$291,109 cash

91%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$1,777
Cap Rate
1.16%
Cash-on-Cash
-29.28%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$3,726
Price-to-Rent

Lower = better for investors

14.1

* 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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BCashflow−$1,561/mo