7970 Mission Center

7970 Mission Center

Atop 10%

San Diego, CA 92108

$329,900
NEW — 0d
STR: check · no permits in this complex · TOT 12.75%

4 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 3, 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: -$1,391/mo full cashflow at 20% down, 7.49% rate.

Works at $149,428 (55% under asking), or at 81% down.

Rent $1,987/mo from 43 leases of studio–1 bed condos & townhomes within 2 mi ($1,829–$2,166).

Beds

Studio

Baths

1

Sqft

506

Year Built

1981

Days on Market

0

Property Type

Condo

HOA/mo

$377

MLS ID

260026163SD

This property is in San Diego (92108). View neighborhood stats →

About This Property

Enjoy easy living in this spacious, clean studio tucked away at the back of the complex, offering a peaceful setting in the heart of Mission Valley. Freshly painted with LVP flooring throughout, the inviting living space feels bright and open, with a large sliding glass door that leads to a covered patio--perfect for enjoying a quiet morning or unwinding at the end of the day. The kitchen features crisp white cabinetry, abundant storage, and a convenient peek-through opening to the living area, creating a comfortable and connected feel. The thoughtfully designed bathroom offers a separate privacy door for the toilet, along with plenty of closet space for added storage. One assigned parking space adds to the convenience, while the lush community provides wonderful amenities, including a sparkling pool and spa, BBQ area, laundry facilities, and a mail room. Ideally located in the heart of Mission Valley, you're just moments from the San Diego River, trolley, and Fashion Valley, with Mission Bay only minutes away. A wonderful opportunity to enjoy comfort, convenience, and a fantastic central San Diego location!

Mortgage Calculator

Est. Monthly Payment

$2,647

Principal & Interest$1,844
Property Tax$330
Insurance$96
HOA$377
%($65,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Nipaquay Elementary · grades K-5 · San Diego Unified

  • Middle

    Taft 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

56A
Est. Monthly Rent
$1,987

43 leases of studio–1 bed condos & townhomes within 2 mi · $1,829–$2,166

Blended 50/50 with the zip's market median ($2,008)

Monthly Cashflow

Rent − PITIA

-$659
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,391

What would make this work?

$1,391/mo short at 20% down; 81% down or +$1,807/mo rent closes it.

Break-even price

55% under asking

$149,428
Break-even rent

$1,807/mo above the estimate

$3,794/mo
Cashflow at 35% down
−$1,046/mo
Down payment to break even

$267,219 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$1,844
Cap Rate
2.01%
Cash-on-Cash
-25.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.75

NOI (Annual)
$6,618
Price-to-Rent

Lower = better for investors

13.8

* 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−$1,391/mo