6862 Camino Berdecio
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6862 Camino Berdecio

Ctop 80%

San Diego, CA 92111

$999,999
STR: check · no permits on this tract · TOT 12.75%

32 licensed short-term rentals within ½ mile (17 whole home), from the cities' license and permit lists of Nov 13, 2026.

None of the 37 homes on this home's recorded tract 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: -$4,630/mo full cashflow at 20% down, 7.36% rate.

Works at $394,174 (61% under asking), or at 88% down.

Rent $4,220/mo from 9 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area ($3,595–$4,697).

Beds

3

Baths

2

Sqft

1,502

Year Built

1986

Days on Market

49

Property Type

Townhouse

HOA/mo

$237

MLS ID

260023375SD

This property is in San Diego (92111). Browse neighborhood analytics →

Virtual Tour

About This Property

Don't miss this rare opportunity to own a spacious, move-in-ready townhome in the highly desirable Fashion Heights community! This is the ideal property for those seeking the convenience of being just minutes from Mission Valley, downtown San Diego, beaches, dining, & major freeways without sacrificing space & privacy. Soaring ceilings fill the home with natural light, while the private patio is designed for entertaining, featuring a built-in BBQ, seating area, peaceful fountain, & beautiful Saltillo tile. The spacious kitchen features handsome cabinetry & SS appliances. The living room boasts an attractive gas fireplace & sliding door access to the large front balcony. Throughout the home, you'll find thoughtful upgrades including luxury wood-look flooring, travertine tile, & epoxy flooring in the garage. Upstairs, enjoy panoramic views from the second balcony. The oversized primary suite features a spa-inspired bathroom complete with a jetted soaking tub & separate walk-in shower. Rare for a townhome, the property also features an attached two-car garage, full-size in-unit laundry, & generous storage. Residents enjoy resort-style amenities including a pool, spa, & tennis courts—all while being just minutes from desirable Fashion Valley.

Mortgage Calculator

Est. Monthly Payment

$7,046

Principal & Interest$5,517
Property Tax$1,000
Insurance$292
HOA$237
%($200,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Carson Elementary · grades PK-5 · San Diego Unified

  • Middle

    Montgomery Middle · grades 6-8 · San Diego Unified

  • 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

    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

17C
Est. Monthly Rent
$4,220

9 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area · $3,595–$4,697

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,826
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,630

What would make this work?

$4,630/mo short at 20% down; 88% down or +$6,013/mo rent closes it.

Break-even price

61% under asking

$394,174
Break-even rent

$6,013/mo above the estimate

$10,233/mo
Cashflow at 35% down
−$3,596/mo
Down payment to break even

$879,999 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,517
Cap Rate
1.32%
Cash-on-Cash
-27.78%
DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)
$13,177
Price-to-Rent

Lower = better for investors

19.7

* 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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CCashflow−$4,630/mo