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Address not disclosed · Imperial Beach

Ctop 80%

Imperial Beach, CA 91932

$795,000

STR: check · Imperial Beach: confirm the zone · TOT 14%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

The listing remarks say short-term rentals are allowed: “Short Stay Vacation Rentals allowed with HOA permission & guidelines per HOA disclosures.” That's the agent's claim, not the city’s rule.

Pass at asking: -$3,372/mo full cashflow at 20% down, 7.43% rate.

Works at $355,969 (55% under asking), or at 82% down.

Rent $3,801/mo from 18 leases of 2–4 bed condos & townhomes within 1 mi ($3,334–$3,888).

Beds

Baths

2.5

Sqft

1,544

Year Built

2017

Days on Market

102

Property Type

Townhouse

HOA/mo

$192.6

MLS ID

260018685SD

This property is in Imperial Beach (91932). Browse neighborhood analytics →

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About This Property

Located at the gateway to the Silver Strand in Imperial Beach, this beautifully maintained 2017 townhouse offers modern comfort, generous space and an inviting coastal lifestyle. The thoughtfully updated interior features stylish flooring, brand-new carpet, an updated kitchen & appliances, central heating and air conditioning, a Nest thermostat and ceiling fans throughout. The spacious floor plan provides exceptional storage, with a walk-in closet in every bedroom. This 2 story home offers a front patio and a private 2 car garage. Cool off in the community pool, or head to the ocean, about 5 minutes away! This is a convenient location, especially if you work on North Island! Short Stay Vacation Rentals allowed with HOA permission & guidelines per HOA disclosures.

Mortgage Calculator

Est. Monthly Payment

$5,636

Principal & Interest$4,417

Property Tax$795

Insurance$232

HOA$193

Down Payment

%($159,000)

Interest Rate

Loan Term

The seller chose not to publish this home's address, so we don't show it on a map or name its zoned schools. Agents can see it in the MLS: ask us and we'll get it for you.

Comparable Properties

5 comps found

This Property

$3,801

Comp Average

$3,766

505 Turnstone

3bd / 2.5ba · 1,544 sqft · Condo

$749K

Est. $4,002/mo

270 Dahlia Ave

3bd / 2ba · 1,280 sqft · Condo

$630K

Est. $3,568/mo

1345 Holly Ave

3bd / 2.5ba · 1,600 sqft · Townhouse

$699K

Est. $3,512/mo

514 Surfbird Ln

4bd / 2.5ba · 1,760 sqft · Condo

$900K

Est. $4,134/mo

255 Daisy Ave

2bd / 2.5ba · 1,600 sqft · Townhouse

$899K

Est. $3,615/mo

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

Investment Score

35C

Est. Monthly Rent

$3,801

18 leases of 2–4 bed condos & townhomes within 1 mi · $3,334–$3,888

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,835

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,372

What would make this work?

$3,372/mo short at 20% down; 82% down or +$4,379/mo rent closes it.

Break-even price: $355,969
Break-even rent: $8,180/mo
Cashflow at 35% down: −$2,544/mo
Down payment to break even: 82%
Rate to break even: Not reachable

Mortgage (P+I)

$4,417

Cap Rate

1.86%

Cash-on-Cash

-25.45%

DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)

$14,817

Price-to-Rent

Lower = better for investors

17.4

* 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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CCashflow−$3,372/mo