7450 Jamacha Road
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7450 Jamacha Road

Atop 10%

San Diego, CA 92114

$749,000
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.

3 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,557/mo full cashflow at 20% down, 7.36% rate.

Works at $414,392 (45% under asking), or at 70% down.

Rent $4,113/mo from 11 leases of 3-bed houses within 2 mi ($3,573–$3,879).

Beds

3

Baths

2

Sqft

1,310

Year Built

1950

Days on Market

83

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2606412

This property is in San Diego (92114). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to this beautifully maintained single-story home offering 3 bedrooms and 2 bathrooms, a warm, inviting atmosphere, and a thoughtfully designed floor plan. The spacious primary bedroom features a walk-in closet and private bathroom. At the heart of the home is a beautiful, ample kitchen, updated approximately 5 years ago, featuring generous cabinetry, a center island, double oven, and 5 year old fine appliances. The open-concept design flows seamlessly into the spacious family room, creating a wonderful setting for everyday living and entertaining. Attractive vinyl flooring adds style and easy maintenance throughout. Major improvements include NEW plumbing through out the WHOLE house completed in 2026, a central HVAC system approximately 3 years old, and exterior Cool Coat, designed to provide long-lasting protection and significantly reduce future painting needs for the next 20 years. Adding even more value, the property features solar panels with a fixed monthly fee, offering the benefits of solar energy and more predictable energy expenses. This energy-conscious feature provides an attractive combination of modern efficiency, convenience, and potential long-term savings. Step outside to a large, beautifully landscaped backyard with a great entertaining patio, offering plenty of space for gatherings, relaxing, and enjoying the outdoors. The home also features ADA-friendly elements, including ramp access and accessible bathroom accommodations Cozy, comfortable, and exceptionally well cared for, this property is situated in a quiet and pleasant neighborhood with a great central location, providing convenient access to nearby freeways for an easier commute. With its inviting layout, valuable improvements, spacious backyard, and convenient location, this home is ready to welcome its next owner.

Mortgage Calculator

Est. Monthly Payment

$5,100

Principal & Interest$4,132
Property Tax$749
Insurance$218
%($149,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Audubon K-8 · grades K-8 · San Diego Unified

  • Middle

    Bell Middle · grades 6-8 · San Diego Unified

  • High

    Morse 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

56A
Est. Monthly Rent
$4,113

11 leases of 3-bed houses within 2 mi · $3,573–$3,879

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$986
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,557

What would make this work?

$2,557/mo short at 20% down; 70% down or +$3,320/mo rent closes it.

Break-even price

45% under asking

$414,392
Break-even rent

$3,320/mo above the estimate

$7,433/mo
Cashflow at 35% down
−$1,782/mo
Down payment to break even

$524,300 cash

70%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,132
Cap Rate
2.85%
Cash-on-Cash
-20.48%
DSCR

Need ≥ 1.25 for DSCR loan

0.81

NOI (Annual)
$21,378
Price-to-Rent

Lower = better for investors

15.2

* 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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ACashflow−$2,557/mo