8357 Gold Coast Drive 6

8357 Gold Coast Drive 6

Ctop 80%

San Diego, CA 92126

$840,000
STR: check · no permits in this complex · TOT 12.75%

11 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 1, 2026.

No unit in this 22-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: -$3,700/mo full cashflow at 20% down, 7.49% rate.

Works at $360,317 (57% under asking), or at 84% down.

Rent $3,856/mo from 9 leases of 2–4 bed houses within 1 mi ($3,325–$3,685).

Beds

3

Baths

2

Sqft

1,074

Year Built

1998

Days on Market

—

Property Type

Single Family

HOA/mo

$190

MLS ID

260025657SD

This property is in San Diego (92126). View neighborhood stats →

About This Property

Super cute, sunny and bright, this inviting one level home is in a quiet enclave in Mira Mesa. Schools, Shopping and Library are within a 1.5 mile radius, so it is very walkable. You will find features like vaulted ceilings for an open and airy feel, ceiling fans, air conditioning, and a neutral color palate throughout this well maintained home. There is direct access from your two car attached garage that makes life easier! Notice the convenient floor plan, upgraded bathrooms, and a primary bedroom suite that has a slider to the private patio. The modern U shaped kitchen is well appointed with rich wood cabinets, stainless steel appliances and granite countertops. Outdoor living in the large patio offers room to dine, play and relax. Isn't this just what you are looking for?

Mortgage Calculator

Est. Monthly Payment

$5,969

Principal & Interest$4,694
Property Tax$840
Insurance$245
HOA$190
%($168,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Mason Elementary · grades PK-5 · San Diego Unified

  • Middle

    Wangenheim Middle · grades 6-8 · San Diego Unified

  • High

    Mira Mesa 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.

Investment Score

30C
Est. Monthly Rent
$3,856

9 leases of 2–4 bed houses within 1 mi · $3,325–$3,685

Blended 50/50 with the zip's market median ($4,208)

Monthly Cashflow

Rent − PITIA

-$2,113
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,700

What would make this work?

$3,700/mo short at 20% down; 84% down or +$4,805/mo rent closes it.

Break-even price

57% under asking

$360,317
Break-even rent

$4,805/mo above the estimate

$8,661/mo
Cashflow at 35% down
−$2,820/mo
Down payment to break even

$705,600 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,694
Cap Rate
1.70%
Cash-on-Cash
-26.43%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$14,243
Price-to-Rent

Lower = better for investors

18.2

* 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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CCashflow−$3,700/mo