
100 Harbor Dr #3902
Dbottom 20%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 46-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: -$38,902/mo full cashflow at 20% down, 7.43% rate.
Works at $604,884 (89% under asking); even all cash loses money at asking.
Rent $9,075/mo from 2 leases in this building (±1 bed) ($8,944–$9,207).
Beds
3
Baths
3.5
Sqft
4,303
Year Built
1996
Days on Market
0
Property Type
Condo
HOA/mo
$2,342.41
MLS ID
260026469SD
This property is in San Diego (92101). View neighborhood stats →
About This Property
Commanding the entire 39th floor of the landmark Harbor Club, this full-floor sky sanctuary delivers unmatched coastal prestige. Encompassing 4,303 square feet of seamless single-level living, this rare architectural statement affords the elusive privilege of having no shared walls or adjoining neighbors on your floor. Iconic curved floor-to-ceiling glass windows showcase a dynamic 360-degree living panorama, framing the deep waters of San Diego Bay, the Pacific Ocean horizon, the downtown skyline, and the Coronado Bridge. Designed for effortless flow, the vast salon spaces feature a custom built-in fireplace and sophisticated wet bar, opening into a spectacular chef's kitchen centered by a massive stone waterfall island and a professional gas range. A dedicated office provides an inspiring workspace surrounded by sky. The sprawling primary suite serves as an indulgent refuge with an expansive dual bathroom layout, a dark stone jetted tub, a private wooden sauna, and exclusive viewing balconies positioned against dramatic sunsets. A dedicated indoor laundry room adds everyday convenience. Life at Harbor Club pairs private tranquility with resort-level service, featuring 24-hour concierge, a 95-foot lap pool, a fitness center, and lush entertaining terraces. Situated in the heart of the Marina District, fine dining, private yacht slips, and the Embarcadero waterfront await just 1 elevator ride away. This is an enduring trophy of achievement and an invitation to live at the absolute height of San Diego luxury.
Mortgage Calculator
Est. Monthly Payment
$41,165
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
3 comps foundThis Property
$9,075
Comp Average
$12,952
645 Front St
3bd / 4ba · 4,455 sqft · Condo
$5.13M
Est. $18,125/mo
200 Harbor Drive
3bd / 3.5ba · 4,116 sqft · Condo
$5.00M
Est. $11,754/mo
645 Front St
3bd / 3.5ba · 3,783 sqft · Condo
$3.70M
Est. $8,976/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
2 leases in this building (±1 bed) · $8,944–$9,207
Thin data: only 2 leases behind this number.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$38,902/mo short at 20% down; +$50,522/mo rent closes it.
- Break-even price
- $604,884
- Break-even rent
- $59,597/mo
- Cashflow at 35% down
- −$32,996/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
89% under asking
$50,522/mo above the estimate
Negative even all-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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