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6665 Mission Gorge Road #D9

Atop 10%

San Diego, CA 92120

$329,000

STR: check · no permits in this complex · TOT 12.75%

9 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 60-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: -$1,197/mo full cashflow at 20% down, 7.43% rate.

Works at $173,143 (47% under asking), or at 73% down.

Rent $2,149/mo from 10 leases of studio–2 bed condos & townhomes within 1 mi, same school area ($2,050–$2,427).

Beds

Baths

Sqft

676

Year Built

1972

Days on Market

Property Type

Condo

HOA/mo

$325

MLS ID

NDP2608678

This property is in San Diego (92120). View neighborhood stats →

Virtual Tour

About This Property

Second floor 1-bed/1-bath in the Valley Meadows community of Allied Gardens — updated, move-in ready, and priced to move. The kitchen was recently refreshed with a brand-new electric range and refrigerator. The open living area gets great natural light through a large picture window overlooking lush greenery, and the bedroom is comfortably sized with a generous closet. One assigned parking space included. HOA covers water, trash, pool, spa, and a rec room with a pool table — making the true cost of ownership more manageable than the sticker price suggests. Valley Meadows sits in one of San Diego's most convenient locations: minutes from Mission Trails Regional Park, Snapdragon Stadium, Costco, and easy access to the 8 and 15 freeways. Everything you need is close without the congestion of more central neighborhoods. A strong entry point into the San Diego market — whether you're buying to live or buying to hold.

Mortgage Calculator

Est. Monthly Payment

$2,578

Principal & Interest$1,828

Property Tax$329

Insurance$96

HOA$325

Down Payment

%($65,800)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Foster Elementary · grades K-5 · San Diego Unified
Middle
Lewis 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.

Comparable Properties

3 comps found

This Property

$2,149

Comp Average

$1,740

7747 Margerum Ave

1bd / 1ba · 643 sqft · Condo

$399K

Est. $2,169/mo

6675 Mission Gorge Road

1bd / 1ba · 626 sqft · Condo

$375K

Est. $1,929/mo

6120 Decena

1bd / 1ba · 665 sqft · Condo

$400K

Est. $1,123/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

67A

Est. Monthly Rent

$2,149

10 leases of studio–2 bed condos & townhomes within 1 mi, same school area · $2,050–$2,427

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$429

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,197

What would make this work?

$1,197/mo short at 20% down; 73% down or +$1,555/mo rent closes it.

Break-even price: $173,143
Break-even rent: $3,704/mo
Cashflow at 35% down: −$854/mo
Down payment to break even: 73%
Rate to break even: Not reachable

Mortgage (P+I)

$1,828

Cap Rate

2.69%

Cash-on-Cash

-21.83%

DSCR

Need ≥ 1.25 for DSCR loan

0.83

NOI (Annual)

$8,856

Price-to-Rent

Lower = better for investors

12.8

* 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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ACashflow−$1,197/mo