What do you consider expensive and cheap FLU? @ $279k, with 6% interest rate and 20% down, mortgage payment would be around $1300/month. If you + tax + insurance – tax deduction, your monthly payment would be around $1500/month. A 2 bed/2 bath apartment in Mira Mesa goes for around $1500/month. Rental of such house can easily be around $1700-1800/month.