7515 Black Oak
Atop 10%San Diego, CA 92114
One license per person in San Diego: whether you can hold it depends on you, not only the home.
4 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,391/mo full cashflow at 20% down, 7.36% rate.
Works at $337,070 (48% under asking), or at 74% down.
Rent $3,345/mo from 14 leases of 3-bed houses within 2 mi ($3,127–$3,343).
Beds
3
Baths
2
Sqft
964
Year Built
1962
Days on Market
98
Property Type
Single Family
HOA/mo
N/A
MLS ID
260019266SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Great home with a lot of potential. Large Backyard with mature trees.
Mortgage Calculator
Est. Monthly Payment
$4,425
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.
Comparable Properties
5 comps foundThis Property
$3,345
Comp Average
$3,451
7683 Shadyglade Ln
3bd / 1ba · 1,029 sqft · Single Family
$525K
Est. $3,428/mo
7515 Jamacha Road
2bd / 1.5ba · 1,022 sqft · Single Family
$559K
Est. $3,590/mo
5222 San Bernardo Terrace
3bd / 1.5ba · 1,050 sqft · Single Family
$699K
Est. $3,505/mo
844 Bonsall
3bd / 2ba · 1,025 sqft · Single Family
$740K
Est. $3,344/mo
115 65 Street
3bd / 2ba · 1,102 sqft · Single Family
$789K
Est. $3,388/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 3-bed houses within 2 mi · $3,127–$3,343
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,391/mo short at 20% down; 74% down or +$3,106/mo rent closes it.
- Break-even price
- $337,070
- Break-even rent
- $6,451/mo
- Cashflow at 35% down
- −$1,719/mo
- Down payment to break even
- 74%
- Rate to break even
- Not reachable
48% under asking
$3,106/mo above the estimate
$480,926 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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