7890 Hummingbird Ln
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7890 Hummingbird Ln

Atop 10%

San Diego, CA 92123

$625,000
STR: check · no permits in this complex · TOT 12.75%

5 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 1, 2026.

No unit in this 48-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: -$2,184/mo full cashflow at 20% down, 7.49% rate.

Works at $341,735 (45% under asking), or at 71% down.

Rent $4,073/mo from 8 leases of 3-bed condos & townhomes within 1 mi ($4,264–$4,636). Previously leased for $3,900.

Beds

3

Baths

2.5

Sqft

1,336

Year Built

1973

Days on Market

44

Property Type

Townhouse

HOA/mo

$500

MLS ID

260022523SD

This property is in San Diego (92123). View neighborhood stats →

Virtual Tour

About This Property

A distinctive opportunity awaits at 7890 Hummingbird Ln, Enjoy easy access to Highway 163, making commuting around San Diego a breeze. Great location near Sharp Memorial. Inside, you'll find a flexible layout suited to everyday living, remote work, or hosting guests. Two full bathrooms and an additional half bath provide extra convenience, while two private outdoor spaces offer room to relax, enjoy your morning coffee, or unwind after a busy day. With its recent remodeling, versatile floor plan, convenient location, and potential for rental income, this Hummingbird Lane townhouse is an opportunity worth exploring. Whether you're ready to stop renting and start building equity or searching for your next investment, this property deserves a spot on your must-see list!

Mortgage Calculator

Est. Monthly Payment

$4,800

Principal & Interest$3,493
Property Tax$625
Insurance$182
HOA$500
%($125,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Fletcher Elementary · grades PK-5 · San Diego Unified

  • Middle

    Montgomery Middle · grades 6-8 · San Diego Unified

  • High

    Kearny Digital Media & Design · grades 9-12 · San Diego Unified

    or Kearny School of Biomedical Science and Technology · grades 9-12 · San Diego Unified

    or Kearny College Connections · grades 9-12 · San Diego Unified

    or Kearny Eng Innov & Design · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

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

59A
Est. Monthly Rent
$4,073

Previously leased for $3,900

8 leases of 3-bed condos & townhomes within 1 mi · $4,264–$4,636

Monthly Cashflow

Rent − PITIA

-$727
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,184

What would make this work?

$2,184/mo short at 20% down; 71% down or +$2,837/mo rent closes it.

Break-even price

45% under asking

$341,735
Break-even rent

$2,837/mo above the estimate

$6,910/mo
Cashflow at 35% down
−$1,529/mo
Down payment to break even

$443,750 cash

71%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,493
Cap Rate
2.90%
Cash-on-Cash
-20.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.85

NOI (Annual)
$18,144
Price-to-Rent

Lower = better for investors

12.8

* Modelled at 20% down, 7.49% 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−$2,184/mo