7274 Shoreline 116

Btop 30%

San Diego, CA 92122

$690,000

NEW — 1d

STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

8 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 14, 2026.

1 short-term rental license on file in this 86-unit complex, so its HOA has allowed them. Confirm in the CC&Rs: an HOA can ban stays under 30 days (Civ. Code §4741).

Pass at asking: -$2,968/mo full cashflow at 20% down, 7.36% rate.

Works at $301,657 (56% under asking), or at 83% down.

Rent $3,055/mo from 1 lease in this building (±1 bed).

Beds

Baths

Sqft

727

Year Built

1990

Days on Market

Property Type

Townhouse

HOA/mo

$47

MLS ID

260027074SD

This property is in San Diego (92122). View neighborhood stats →

About This Property

This San Diego home combines an elevated main living level with a vaulted ceiling, a loft, and an attached garage below. White cabinetry, stainless steel appliances, pendant lighting, and a breakfast bar define the kitchen beneath a skylight. The adjoining living room features a fireplace and an arched window, with wood flooring continuing through the dining area. A spiral staircase rises beside the kitchen to the loft above. The bedroom connects to a bathroom with a wide vanity, a glass-enclosed shower, and a walk-in closet. A stacked washer and dryer occupy a bathroom closet. A covered entry provides access from the lower level.

Mortgage Calculator

Est. Monthly Payment

$4,745

Principal & Interest$3,807

Property Tax$690

Insurance$201

HOA$47

Down Payment

%($138,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Curie Elementary · grades K-5 · San Diego Unified
Middle
Standley Middle · grades 6-8 · San Diego Unified
High
University City 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

5 comps found

This Property

$3,055

Comp Average

$2,671

8324 Regents Road

1bd / 1ba · 768 sqft · Condo

$453K

Est. $2,680/mo

8328 Regents Rd

1bd / 1ba · 706 sqft · Condo

$479K

Est. $2,425/mo

7405 Charmant

1bd / 1ba · 704 sqft · Condo

$539K

Est. $2,700/mo

7575 Charmant Drive

1bd / 1ba · 704 sqft · Condo

$525K

Est. $2,616/mo

7275 Calabria Court

1bd / 1ba · 727 sqft · Townhouse

$699K

Est. $2,932/mo

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

Investment Score

38B

Est. Monthly Rent

$3,055

1 lease in this building (±1 bed)

Thin data: only 1 lease behind this number.

Monthly Cashflow

Rent − PITIA

-$1,690

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,968

What would make this work?

$2,968/mo short at 20% down; 83% down or +$3,854/mo rent closes it.

Break-even price: $301,657
Break-even rent: $6,909/mo
Cashflow at 35% down: −$2,254/mo
Down payment to break even: 83%
Rate to break even: Not reachable

Mortgage (P+I)

$3,807

Cap Rate

1.73%

Cash-on-Cash

-25.80%

DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)

$11,905

Price-to-Rent

Lower = better for investors

18.8

* 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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BCashflow−$2,968/mo