7977 Pala St.
Btop 30%San Diego, CA 92114
One license per person in San Diego: whether you can hold it depends on you, not only the home.
6 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,841/mo full cashflow at 20% down, 7.36% rate.
Works at $418,131 (47% under asking), or at 73% down.
Rent $4,150/mo from 16 leases of 3–5 bed houses within 2 mi ($3,780–$4,287).
Beds
4
Baths
2
Sqft
1,563
Year Built
1953
Days on Market
63
Property Type
Single Family
HOA/mo
N/A
MLS ID
260022294SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Beautiful 4-bedroom, 2-bathroom home offering 1563 sqft with stunning valley views. Features include an updated kitchen, spacious layout, and convenient RV parking. Enjoy the peaceful setting while remaining located near everyday shopping, dining, schools, and major freeways
Mortgage Calculator
Est. Monthly Payment
$5,379
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
$4,150
Comp Average
$4,031
7242 Peter Pan Ave
3bd / 2ba · 1,596 sqft · Single Family
$735K
Est. $4,189/mo
863 Ginna
3bd / 2ba · 1,504 sqft · Single Family
$765K
Est. $3,771/mo
333 Euclid Avenue
4bd / 2ba · 1,689 sqft · Single Family
$800K
Est. $3,984/mo
7615 Jamacha
4bd / 3ba · 1,500 sqft · Single Family
$849K
Est. $4,152/mo
8181 Brennan St
5bd / 2ba · 1,568 sqft · Single Family
$899K
Est. $4,058/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
16 leases of 3–5 bed houses within 2 mi · $3,780–$4,287
Blended 50/50 with the zip's market median ($4,263)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,841/mo short at 20% down; 73% down or +$3,690/mo rent closes it.
- Break-even price
- $418,131
- Break-even rent
- $7,840/mo
- Cashflow at 35% down
- −$2,024/mo
- Down payment to break even
- 73%
- Rate to break even
- Not reachable
47% under asking
$3,690/mo above the estimate
$576,700 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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