8085 Caminito De Pizza #S
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8085 Caminito De Pizza #S

Btop 30%

San Diego, CA 92108

$499,000
STR: check · no permits in this complex · TOT 12.75%

3 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 24-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: -$2,027/mo full cashflow at 20% down, 7.36% rate.

Works at $233,801 (53% under asking), or at 79% down.

Rent $3,041/mo from 11 leases of 1–3 bed condos & townhomes within 0.5 mi, same school area ($3,057–$3,438).

Beds

2

Baths

1.5

Sqft

1,020

Year Built

1975

Days on Market

143

Property Type

Condo

HOA/mo

$555

MLS ID

SW26134884

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

About This Property

LOCATION, LOCATION, LOCATION!Welcome to this beautifully upgraded condominium in the heart of Mission Valley, offering the perfect combination of modern comfort, privacy, and convenience. Ideally situated near major employers, shopping, dining, universities, trolley access, freeways, and several military installations, this home places everything San Diego has to offer within easy reach.Located within a fully gated community, this desirable end-unit enjoys exceptional privacy and security. Unlike many condominiums, the private balcony and living spaces overlook a lush greenbelt rather than neighboring units, creating a peaceful retreat where you can relax and enjoy the sights and sounds of nature.Step inside to discover an open-concept floor plan featuring soaring ceilings, upgraded flooring, upgraded windows, and abundant natural light. The remodeled kitchen showcases elegant quartz countertops, stainless steel appliances, and a picturesque window framing serene greenbelt views. Just off the dining area, the private balcony offers the perfect spot for morning coffee or evening relaxation.Offering approximately 1,020 square feet of living space, the home features a convenient half bath on the main level and two spacious bedrooms with a full bathroom upstairs. The primary bedroom includes a generous walk-in closet and a versatile recessed nook ideal for a home office, study area, or reading space. Both bedrooms feature ceiling fans for added comfort, while a newer wall-mounted air conditioning unit helps keep the home cool year-round.Additional conveniences include covered parking located just steps from the unit, making daily living effortless.Residents enjoy an impressive array of resort-style community amenities, including multiple swimming pools, spas, tranquil fountains, laundry facilities, beautifully maintained grounds, and direct access to the scenic Riverwalk Park Trail for walking, jogging, and outdoor recreation.Move-in ready and thoughtfully updated throughout, this rare Mission Valley gem offers privacy, security, modern upgrades, and an unbeatable central location.

Mortgage Calculator

Est. Monthly Payment

$3,953

Principal & Interest$2,753
Property Tax$499
Insurance$146
HOA$555
%($99,800)
%
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

51B
Est. Monthly Rent
$3,041

11 leases of 1–3 bed condos & townhomes within 0.5 mi, same school area · $3,057–$3,438

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$912
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,027

What would make this work?

$2,027/mo short at 20% down; 79% down or +$2,633/mo rent closes it.

Break-even price

53% under asking

$233,801
Break-even rent

$2,633/mo above the estimate

$5,674/mo
Cashflow at 35% down
−$1,511/mo
Down payment to break even

$394,210 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,753
Cap Rate
2.11%
Cash-on-Cash
-24.38%
DSCR

Need ≥ 1.25 for DSCR loan

0.77

NOI (Annual)
$10,533
Price-to-Rent

Lower = better for investors

13.7

* 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.

Open Full Calculator
BCashflow−$2,027/mo