100 Harbor Dr #804
Ctop 80%San Diego, CA 92101
158 licensed short-term rentals within ½ mile (105 whole home), from the cities' license and permit lists of Nov 6, 2026.
No unit in this 50-unit complex 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: -$4,215/mo full cashflow at 20% down, 7.43% rate.
Works at $291,044 (65% under asking), or at 93% down.
Rent $5,485/mo from 2 leases in this building ($5,406–$5,565).
Beds
2
Baths
2
Sqft
1,572
Year Built
1992
Days on Market
2
Property Type
Condo
HOA/mo
$1,988
MLS ID
260026035SD
This property is in San Diego (92101). View neighborhood stats →
About This Property
Experience elevated downtown living at the iconic Harbor Club in San Diego's desirable Marina District! Situated on the 8th floor, this spacious 2-bedroom, 2-bath residence offers 1,572 square feet of living area with expansive floor-to-ceiling windows that showcase sweeping city skyline views & gorgeous glimpses of San Diego Bay. The open living & dining areas are filled with natural light, complemented by contemporary wide-plank flooring, neutral finishes, and a thoughtfully designed layout. Additional conveniences include in-unit laundry, central heating & air conditioning, a private balcony & two assigned parking spaces. Residents of Harbor Club enjoy an impressive collection of amenities, including 24-hour security, concierge services, a resort-style pool and spa, fitness center, sauna, & outdoor entertaining areas. Ideally located just steps from the waterfront, Seaport Village, the Gaslamp Quarter, and Downtown's premier dining, shopping, & entertainment excellent opportunity to enjoy spacious high-rise living in one of San Diego's most established luxury communities.
Mortgage Calculator
Est. Monthly Payment
$7,739
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 foundThis Property
$5,485
Comp Average
$4,652
301 G St
2bd / 2.5ba · 1,550 sqft · Condo
$825K
Est. $4,805/mo
877 Island Ave
2bd / 2ba · 1,620 sqft · Condo
$850K
Est. $5,027/mo
750 State St
2bd / 2ba · 1,633 sqft · Condo
$759K
Est. $4,266/mo
540 9th Avenue
2bd / 2ba · 1,588 sqft · Condo
$1.10M
Est. $5,295/mo
1080 Park Blvd
2bd / 2.5ba · 1,517 sqft · Condo
$900K
Est. $3,866/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
2 leases in this building · $5,406–$5,565
Thin data: only 2 leases behind this number.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,215/mo short at 20% down; 93% down or +$5,474/mo rent closes it.
- Break-even price
- $291,044
- Break-even rent
- $10,959/mo
- Cashflow at 35% down
- −$3,340/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
65% under asking
$5,474/mo above the estimate
$781,107 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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