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7823 Tommy Drive NE 47

7823 Tommy Drive NE 47

Btop 30%

San Diego, CA 92119

$649,500
NEW — 1d
STR: check · no permits in this complex · TOT 12.75%

4 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 14, 2026.

No unit in this 76-unit complex 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: -$2,606/mo full cashflow at 20% down, 7.36% rate.

Works at $308,488 (53% under asking), or at 79% down.

Rent $3,828/mo from 25 leases of condos & townhomes within 2 mi, size-adjusted ($2,774–$3,226).

Beds

4

Baths

3

Sqft

1,315

Year Built

1973

Days on Market

1

Property Type

Condo

HOA/mo

$590

MLS ID

PTP2608422

This property is in San Diego (92119). Browse neighborhood analytics →

Mortgage Calculator

Est. Monthly Payment

$5,012

Principal & Interest$3,583
Property Tax$650
Insurance$189
HOA$590
%($129,900)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Benchley/Weinberger Elementary · grades K-5 · San Diego Unified

  • Middle

    Pershing Middle · grades 6-8 · San Diego Unified

  • High

    Henry 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

3 comps found

This Property

$3,828

vs

Comp Average

$3,738

9345 Lake Murray Boulevard

9345 Lake Murray Boulevard

3bd / 2.5ba · 1,561 sqft · Townhouse

$600K

Est. $3,916/mo

San Diego

San Diego

3bd / 1.5ba · 1,288 sqft · Townhouse

$580K

Est. $3,469/mo

8391 Suntree Pl

8391 Suntree Pl

3bd / 2.5ba · 1,586 sqft · Townhouse

$759K

Est. $3,828/mo

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

Investment Score

46B
Est. Monthly Rent
$3,828

25 leases of condos & townhomes within 2 mi, size-adjusted · $2,774–$3,226

Blended 50/50 with the zip's market median ($4,643)

Monthly Cashflow

Rent − PITIA

-$1,184
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,606

What would make this work?

$2,606/mo short at 20% down; 79% down or +$3,384/mo rent closes it.

Break-even price

53% under asking

$308,488
Break-even rent

$3,384/mo above the estimate

$7,212/mo
Cashflow at 35% down
−$1,934/mo
Down payment to break even

$513,105 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,583
Cap Rate
2.16%
Cash-on-Cash
-24.07%
DSCR

Need ≥ 1.25 for DSCR loan

0.76
NOI (Annual)
$14,031
Price-to-Rent

Lower = better for investors

14.1

* 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−$2,606/mo