6446 Bell Bluff Avenue

6446 Bell Bluff Avenue

Btop 30%

San Diego, CA 92119

$499,999
NEW — 0d
STR: check · no permits in this complex · TOT 12.75%

3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 3, 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: -$2,384/mo full cashflow at 20% down, 7.49% rate.

Works at $190,938 (62% under asking), or at 89% down.

Rent $2,478/mo from 8 leases of 2-bed condos & townhomes within 2 mi ($2,144–$2,670).

Beds

2

Baths

1

Sqft

806

Year Built

1972

Days on Market

0

Property Type

Townhouse

HOA/mo

$435

MLS ID

260026150SD

This property is in San Diego (92119). Browse neighborhood analytics →

About This Property

Tucked away in the beautifully maintained Carefree San Carlos community, this inviting end-unit townhome offers a rare combination of peaceful surroundings, privacy, and everyday convenience. From the moment you enter the neighborhood, you're greeted by lush green lawns, mature trees, and a tranquil, park-like setting that feels like a retreat from the hustle and bustle of San Diego. With only one shared wall, this home offers an added sense of privacy and features luxury vinyl plank flooring throughout, plantation shutters, smooth ceilings with popcorn texture removed, an upgraded larger-capacity wall A/C unit, and upgraded ceiling fans. Enjoy the convenience of full-size stackable in-unit laundry, abundant storage, and a two-car tandem carport. Step outside to your own fully fenced private patio, perfect for morning coffee, outdoor dining, or simply relaxing. The community offers wonderful amenities, including a swimming pool, playground, basketball court, BBQ and picnic areas, and beautifully landscaped greenbelts. Just a short walk from Mission Trails Regional Park, with Cowles Mountain and Lake Murray nearby, the location offers incredible access to hiking, biking, and outdoor recreation. Centrally located with convenient access to major freeways, shopping, dining, Snapdragon Stadium, downtown San Diego, and the beaches, this home offers the perfect balance of peaceful neighborhood living and easy access to everything San Diego has to offer. Broker and Broker's Agents do not represent or guarantee accuracy of the square footage, permitted or unpermitted space, bd/ba count, lot size/dimensions, schools, or other information concerning the conditions or features of the property. Buyer is advised to independently verify the accuracy of all information through personal inspection & w/ appropriate professionals to satisfy themselves.

Mortgage Calculator

Est. Monthly Payment

$3,875

Principal & Interest$2,794
Property Tax$500
Insurance$146
HOA$435
%($100,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Dailard Elementary · grades K-5 · San Diego Unified

  • Middle

    Pershing Middle · grades 6-8 · San Diego Unified

  • High

    Henry 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

39B
Est. Monthly Rent
$2,478

8 leases of 2-bed condos & townhomes within 2 mi · $2,144–$2,670

Blended 50/50 with the zip's market median ($2,509)

Monthly Cashflow

Rent − PITIA

-$1,397
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,384

What would make this work?

$2,384/mo short at 20% down; 89% down or +$3,096/mo rent closes it.

Break-even price

62% under asking

$190,938
Break-even rent

$3,096/mo above the estimate

$5,574/mo
Cashflow at 35% down
−$1,860/mo
Down payment to break even

$444,999 cash

89%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,794
Cap Rate
1.28%
Cash-on-Cash
-28.60%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$6,412
Price-to-Rent

Lower = better for investors

16.8

* 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
BCashflow−$2,384/mo