777 6th Avenue #404
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777 6th Avenue #404

Atop 10%

San Diego, CA 92101

$279,000
NEW — 0d
STR-eligible · San Diego Tier 3 · TOT 13.75%

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

178 licensed short-term rentals within ½ mile (137 whole home), from the cities' license and permit lists of Nov 6, 2026.

2 short-term rental licenses on file in this 30-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: -$908/mo full cashflow at 20% down, 7.43% rate.

Works at $160,752 (42% under asking), or at 67% down.

Rent $2,188/mo from 3 leases in this building ($2,029–$2,364).

Beds

1

Baths

1

Sqft

656

Year Built

2005

Days on Market

0

Property Type

Condo

HOA/mo

$450

MLS ID

NDP2610076

This property is in San Diego (92101). View neighborhood stats →

Virtual Tour

About This Property

Experience the best of Downtown San Diego living at The Lofts @ 777 Sixth Avenue, where urban style meets everyday convenience. Ideally situated just steps from the vibrant Gaslamp Quarter, this highly desirable top-floor residence puts you within easy reach of the waterfront, premier shopping, acclaimed restaurants, lively nightlife, and Petco Park. Inside, discover a distinctive loft-style home featuring soaring ceilings, an open-concept design, and captivating city-light views. The private loft-style bedroom features creative storage solutions that maximize both space and functionality, while an in-unit stackable washer and dryer add to the ease of downtown living. Beyond the residence, enjoy the benefits of a secure, gated community featuring elevator access, on-site security, a fitness center, beautifully maintained common areas, and low HOA fees. Whether you're looking for a stylish downtown residence, an exciting urban retreat, or an opportunity to enjoy the best of San Diego's city lifestyle, this charming loft delivers the perfect blend of character, convenience, and location.

Mortgage Calculator

Est. Monthly Payment

$2,360

Principal & Interest$1,550
Property Tax$279
Insurance$81
HOA$450
%($55,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Washington Elementary · grades PK-5 · San Diego Unified

  • Middle

    Roosevelt International Middle · grades 6-8 · San Diego Unified

  • High

    San Diego 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

74A
Est. Monthly Rent
$2,188

3 leases in this building · $2,029–$2,364

Thin data: only 3 leases behind this number.

Monthly Cashflow

Rent − PITIA

-$172
Full Cashflow

Incl. vacancy, PM, maint, capex

-$908

What would make this work?

$908/mo short at 20% down; 67% down or +$1,179/mo rent closes it.

Break-even price

42% under asking

$160,752
Break-even rent

$1,179/mo above the estimate

$3,367/mo
Cashflow at 35% down
−$617/mo
Down payment to break even

$186,930 cash

67%
Rate to break even

at 20% down

0.24%

Mortgage (P+I)
$1,550
Cap Rate
3.23%
Cash-on-Cash
-19.52%
DSCR

Need ≥ 1.25 for DSCR loan

0.93

NOI (Annual)
$9,020
Price-to-Rent

Lower = better for investors

10.6

* 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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ACashflow−$908/mo