7160 Caminito Pepino
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7160 Caminito Pepino

Dbottom 20%

La Jolla, CA 92037

$2,999,000
STR: check · no permits on this tract · TOT 12.75%

16 licensed short-term rentals within ½ mile (11 whole home), from the cities' license and permit lists of Nov 8, 2026.

None of the 48 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: -$18,185/mo full cashflow at 20% down, 7.43% rate.

Works at $631,364 (79% under asking); even all cash loses money at asking.

Rent $7,187/mo from 14 leases of 3-bed houses within 1 mi ($6,566–$11,247).

Beds

3

Baths

2

Sqft

1,950

Year Built

1977

Days on Market

16

Property Type

Single Family

HOA/mo

$685

MLS ID

260022635SD

This property is in La Jolla (92037). View neighborhood stats →

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About This Property

(PREVIOUS VALUE RANGE $2,995,000-$3,595,000) VIEWS, VIEWS, VIEWS! QUIETEST property on the market! Ocean, Golf Course & Coast views to the North and South! Set in an exceptional position within the coveted La Jolla Summit community, this beautifully refreshed residence captures sweeping ocean views with a remarkable sense of privacy. Community-owned land directly in front of the property cannot be built upon, preserving the open outlook, while the home’s position extends beyond the neighboring residences to create an unusually private setting. Freshly upgraded with a thoughtful collection of high-impact improvements! Recent enhancements include brand-new white oak flooring, beautifully finished microcement bathrooms with new hardware, a sophisticated reappointed color palette, fresh interior paint, new sinks, an upgraded bar, enhanced outdoor living spaces, new epoxy-fleck garage flooring, and new lawns in both the front and rear. Inside, classic architecture meets a fresh, contemporary aesthetic, with soaring ceilings, expansive windows, abundant natural light, and an ideal floor plan designed to take full advantage of the views and indoor-outdoor Southern California lifestyle. Residents of La Jolla Summit enjoy an exceptional collection of community amenities, including an upgraded clubhouse, two pools—including a dedicated adult pool—spa, sauna, fully equipped fitness center, basketball and sand volleyball courts, and wonderful spaces for entertaining. This move-in-ready home combines panoramic views, exceptional privacy, extensive recent upgrades, and a superb La Jolla location with convenient access to the Village, beaches, shopping, dining, and freeways. *Fast Freeway Access! Agent Interest

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Est. Monthly Payment

$21,219

Principal & Interest$16,661
Property Tax$2,999
Insurance$875
HOA$685
%($599,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    La Jolla Elementary · grades K-5 · San Diego Unified

  • Middle

    Muirlands Middle · grades 6-8 · San Diego Unified

  • High

    La Jolla 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

0D
Est. Monthly Rent
$7,187

14 leases of 3-bed houses within 1 mi · $6,566–$11,247

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$14,033
Full Cashflow

Incl. vacancy, PM, maint, capex

-$18,185

What would make this work?

$18,185/mo short at 20% down; +$23,617/mo rent closes it.

Break-even price

79% under asking

$631,364
Break-even rent

$23,617/mo above the estimate

$30,804/mo
Cashflow at 35% down
−$15,061/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$16,661
Cap Rate
-0.47%
Cash-on-Cash
-36.38%
DSCR

Need ≥ 1.25 for DSCR loan

0.34

NOI (Annual)
-$13,978
Price-to-Rent

Lower = better for investors

34.8

* 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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DCashflow−$18,185/mo