889 Date

889 Date

Atop 10%

San Diego, CA 92101

$399,000
NEW — 0d
STR: check · no permits on this tract · TOT 13.75%

126 licensed short-term rentals within ½ mile (100 whole home), from the cities' license and permit lists of Nov 2, 2026.

None of the 77 homes on this home's recorded tract 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: -$1,713/mo full cashflow at 20% down, 7.49% rate.

Works at $176,876 (56% under asking), or at 82% down.

Rent $2,610/mo from 1 lease in this building (±1 bed).

Beds

1

Baths

1

Sqft

695

Year Built

2007

Days on Market

0

Property Type

Condo

HOA/mo

$645

MLS ID

260026087SD

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

About This Property

This modern, immaculate residence in the heart of Cortez Hill has been completely renovated and is move-in ready. Located at the highly desirable Aloft on Cortez Hill, the home offers a rare blend of urban living and green-space access -- just steps from a beloved neighborhood dog park. The unit was fully gutted and thoughtfully upgraded with all-new paint, drywall, and luxury finishes throughout. Durable vinyl plank flooring spans the main living space, while plush Berber carpet adds warmth to the loft area. The kitchen and bath feature upgraded cabinetry that elevates the space well beyond the original builder-grade options. Appliance upgrades include a Samsung Wi-Fi-enabled oven with a built-in air fryer (never used) and a high-efficiency LG ThinQ washer/dryer -- all in like-new condition. From top to bottom, this home has been transformed into a polished, move-in-ready retreat with all modern finishes throughout. Living Area is Virtually Staged...This modern, immaculate residence in the heart of Cortez Hill has been completely renovated and is move-in ready. Located at the highly desirable Aloft on Cortez Hill, the home offers a rare blend of urban living and green-space access -- just steps from a beloved neighborhood dog park. The unit was fully gutted and thoughtfully upgraded with all-new paint, drywall, and luxury finishes throughout. Durable vinyl plank flooring spans the main living space, while plush Berber carpet adds warmth to the loft area. The kitchen and bath feature upgraded cabinetry that elevates the space well beyond the original builder-grade options. Appliance upgrades include a Samsung Wi-Fi-enabled oven with a built-in air fryer (never used) and a high-efficiency LG ThinQ washer/dryer -- all in like-new condition. From top to bottom, this home has been transformed into a polished, move-in-ready retreat with all modern finishes throughout.

Mortgage Calculator

Est. Monthly Payment

$3,390

Principal & Interest$2,230
Property Tax$399
Insurance$116
HOA$645
%($79,800)
%
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.

Investment Score

52A
Est. Monthly Rent
$2,610

1 lease in this building (±1 bed)

Thin data: only 1 lease behind this number.

Monthly Cashflow

Rent − PITIA

-$780
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,713

What would make this work?

$1,713/mo short at 20% down; 82% down or +$2,224/mo rent closes it.

Break-even price

56% under asking

$176,876
Break-even rent

$2,224/mo above the estimate

$4,834/mo
Cashflow at 35% down
−$1,294/mo
Down payment to break even

$327,180 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,230
Cap Rate
1.95%
Cash-on-Cash
-25.75%
DSCR

Need ≥ 1.25 for DSCR loan

0.77

NOI (Annual)
$7,772
Price-to-Rent

Lower = better for investors

12.7

* 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−$1,713/mo