VA Loan Eligible

VA BUYERS:
USE YOUR BAH
TO OWN THIS PROPERTY INSTEAD OF RENTING

Your housing allowance + this layout could cut your monthly expenses starting day one

5211 Beachfront Cove St #10, San Diego, CA 92154
4
Bedrooms
3.5
Bathrooms
1,875
Sq. Ft.

The Smart Buyer's Edge

Stop overpaying for rent, gas, and electricity.

This home is built to save you money from day one.

☀️
PAID Solar
Paid off at closing — lower energy bills from day one
⚡
EV Charging
Built-in outlet in the 2-car garage — less spent on gas

👉 That means lower monthly bills from day one

Playa Del Sol — Clubhouse & Community
Las Playas Clubhouse · Gym, Community Room & Pool Access
List Price
$685,000

Property Snapshot

5211 Beachfront Cove St. #10

San Diego, CA 92154 · Playa Del Sol Community

Bedrooms
4
Bathrooms
3.5
Living Area
~1,875 sq ft
Year Built
2021
Garage
2-Car Attached
Stories
3 Levels
✓Private downstairs bedroom + full bath
✓Open-concept living with large kitchen island
✓Brand-new laminate flooring — move-in ready
✓Resort-style pool, fitness center, gated community
✓Paid solar — fully paid off at closing
✓~20 min to Naval Base San Diego (32nd St) via I-5 N
✓~25 min to NAS North Island / Coronado via I-5 N
✓~25 min to Naval Base Point Loma via I-5 N
✓~30 min to MCAS Miramar via I-805 N
✓~60 min to Camp Pendleton via I-5 N

Ready to see if this works for your situation?

The Strategy

How VA Buyers Are Using This Home

This is called a VA House Hack — and it's one of the most powerful strategies available to military buyers.

✓Live in the property as your primary residence
✓Rent out the private downstairs bedroom
✓Apply your BAH (Basic Allowance for Housing)
✓Reduce your out-of-pocket cost significantly

"Most buyers focus on price. Smart buyers focus on monthly cost and strategy."

This home gives you both.

Modern kitchen with stainless appliances and island seating

The Numbers

Real Numbers at 5.5%

30-yr VA loan · $685,000 · No down payment · 5.5% rate

Monthly Payment Breakdown (PITI + HOA)

Principal & Interest (P&I)(5.5% / 30 yr VA)
$3,889
Property Tax (~1.2%)(San Diego County est.)
$685
Homeowner's Insurance(Estimate)
$100
HOA Dues(Playa Del Sol (2 HOAs))
$522
Mello-Roos (est.)(Verify with seller)
~$150
Total Est. Monthly (with Mello-Roos)~$5,346

*VA Funding Fee (2.15%) financed into loan. Mello-Roos is an estimate — buyer to verify. All figures are estimates only. Interest rate of 5.5% is subject to change based on market conditions and borrower qualifications.

🏠
Total Monthly Payment
~$5,346
PITI + HOA + Mello-Roos
🛏
Rent 1 Room
+$900 – $1,200
Private downstairs suite
🛏🛏
Rent 2 Rooms
+$1,800 – $2,400
Downstairs + 1 upstairs room
☀️⚡
Energy Savings (Solar + EV)
+$250 – $500/mo
Paid solar + EV charging outlet in 2-car garage

The Wow Moment

What This Could Look Like

💡

These numbers are before your BAH is applied. Scroll down to see exactly what's left out-of-pocket after your housing allowance — it gets even better.

Rent 1 Room
~$3,896
est. out-of-pocket / mo
Rent 2 Rooms
~$2,896
est. out-of-pocket / mo

(Much lower than most buyers expect 👀)

Scenario 1 — Rent 1 Room

Total Monthly (PITI+HOA)~$5,346
Rental Income (1 room)−$1,200
Energy Savings−$250
Est. Out-of-Pocket~$3,896

Scenario 2 — Rent 2 Rooms

Total Monthly (PITI+HOA)~$5,346
Rental Income (2 rooms)−$2,200
Energy Savings−$250
Est. Out-of-Pocket~$2,896

How to read this: The − (minus) symbol means that amount is being subtracted from your mortgage payment — it works in your favor. Rental income and energy savings reduce what you actually pay each month. The final number is your estimated out-of-pocket cost.

*Estimates only. Actual amounts vary based on loan terms, BAH, and rental market.

2026 BAH Rates

San Diego BAH — What You're Working With

Naval Base San Diego · MHA: SAN DIEGO, CA · Effective Jan 1, 2026

BAH covers full payment
BAH covers w/ 1 room rented
GradeBAH (Married)Out-of-Pocket
Rent 1 RoomOut-of-Pocket
Rent 2 Rooms
Your allowance~$3,896 − BAH~$2,896 − BAH
E-4
$3,666
~$230
$0 covered!
E-5
$3,975
$0 covered!
$0 covered!
E-6
$4,404
$0 covered!
$0 covered!
E-7
$4,446
$0 covered!
$0 covered!
E-8
$4,488
$0 covered!
$0 covered!
O-1
$4,032
$0 covered!
$0 covered!
O-2
$4,401
$0 covered!
$0 covered!
O-3
$4,518
$0 covered!
$0 covered!
O-4
$5,082
$0 covered!
$0 covered!

Out-of-pocket = estimated monthly cost after BAH + rental income + energy savings. Based on ~$5,346/mo total (PITI+HOA+Mello-Roos), 1 room at $1,200/mo, 2 rooms at $2,200/mo, energy savings ~$250/mo. Source: DTMO 2026 BAH · Naval Base San Diego. All figures are estimates only. Interest rate of 5.5% is subject to change based on market conditions and borrower qualifications.

Why This Home Wins

Built for the Smart VA Buyer

✓Paid solar = real, measurable savings every month
✓EV charging = less spent on gas over time
✓4 bedrooms = maximum income flexibility
✓Downstairs suite = privacy for your renter
✓~20 min to Naval Base San Diego · ~25 min to NAS North Island · ~30 min to MCAS Miramar
✓Gated community with resort amenities
✓Built in 2021 — modern, low-maintenance
Open-concept kitchen with island
Downstairs bedroom with blue accent wall and barn door to bathroom
Bathroom with double vanity and walk-in shower

Real Talk

We know San Diego isn't cheap.

But with the right loan, the right layout, and your BAH working for you — owning here is more doable than you think.

Most buyers focus on price… smart buyers focus on monthly cost and strategy.

👉 This home gives you both.

Get Your Breakdown

Get Your VA House Hack Breakdown

We will run the numbers based on your BAH and goals so you can see what your real monthly cost would look like — no pressure, no obligation.

You'll receive:

✓Estimated monthly payment breakdown
✓Rental income options for your situation
✓Monthly savings with solar + EV
✓VA loan eligibility overview
Claudia Medina, REALTOR®

Claudia Medina

REALTOR® · DRE #01312931 · Coldwell Banker West

Military spouse & VA-specialist agent helping our military community build wealth through smart homeownership in San Diego.

Open-concept kitchen with large island

No spam. No pressure. Just your numbers.