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843 10th Ave #D

San Diego, CA 92101

$1,500,000

STR: check · HOA rules unknown · TOT 13.75%

179 licensed short-term rentals within ½ mile (142 whole home), from the cities' license and permit lists of Nov 11, 2026.

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$8,428/mo full cashflow at 20% down, 7.43% rate.

Works at $402,605 (73% under asking); even all cash loses money at asking.

Rent $4,275/mo from 13 leases of studio–1 bed condos & townhomes within 0.5 mi, same school area ($4,908–$5,915).

Beds

Studio

Baths

1.5

Sqft

3,586

Year Built

1995

Days on Market

Property Type

Condo

HOA/mo

$200

MLS ID

260017787SD

This property is in San Diego (92101). View neighborhood stats →

Virtual Tour

About This Property

Step into soaring vaulted ceilings in the heart of Downtown San Diego—this is loft living at its most dramatic. Sun, space, and architectural scale you simply can't find in a standard unit. The generous footprint already lives like a two-bedroom, true to authentic loft style with no legally defined bedrooms. A blank canvas awaiting a full renovation, priced for the right buyer to craft a showpiece in one of San Diego's most electric, walkable neighborhoods. Vision meets opportunity. Bring yours.

Mortgage Calculator

Est. Monthly Payment

$10,471

Principal & Interest$8,333

Property Tax$1,500

Insurance$437

HOA$200

Down Payment

%($300,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Washington Elementary · grades PK-5 · San Diego Unified
Middle
Roosevelt International Middle · grades 6-8 · San Diego Unified
High
San Diego 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 found

This Property

$4,275

Comp Average

$5,761

1325 Pacific Highway

2bd / 2.5ba · 2,042 sqft · Condo

$1.40M

Est. $7,221/mo

877 Island Ave

2bd / 2ba · 1,951 sqft · Condo

$1.30M

Est. $5,821/mo

877 Island Avenue

2bd / 2ba · 1,904 sqft · Condo

$1.30M

Est. $5,569/mo

100 Harbor Drive

1bd / 2ba · 2,492 sqft · Condo

$1.98M

Est. $5,583/mo

950 6th Ave

2bd / 2ba · 2,680 sqft · Condo

$1.27M

Est. $4,609/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$4,275

13 leases of studio–1 bed condos & townhomes within 0.5 mi, same school area · $4,908–$5,915

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% below what comparable homes leased for ($5,115). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$6,195

Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,428

What would make this work?

$8,428/mo short at 20% down; +$10,946/mo rent closes it.

Break-even price: $402,605
Break-even rent: $15,221/mo
Cashflow at 35% down: −$6,866/mo
Down payment to break even: Not reachable
Rate to break even: Not reachable

Mortgage (P+I)

$8,333

Cap Rate

0.09%

Cash-on-Cash

-33.71%

DSCR

Need ≥ 1.25 for DSCR loan

0.41

NOI (Annual)

$1,422

Price-to-Rent

Lower = better for investors

29.2

* Modelled at 20% down, 7.43% 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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DCashflow−$8,428/mo