100 Harbor Dr #3902
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100 Harbor Dr #3902

Dbottom 20%

San Diego, CA 92101

$5,669,900
NEW — 0d
STR: check · no permits in this complex · TOT 13.75%

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

Principal & Interest$31,499
Property Tax$5,670
Insurance$1,654
HOA$2,342
%($1,133,980)
%
Loan Term

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 found

This Property

$9,075

vs

Comp Average

$12,952

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

Investment Score

0D
Est. Monthly Rent
$9,075

2 leases in this building (±1 bed) · $8,944–$9,207

Thin data: only 2 leases behind this number.

Monthly Cashflow

Rent − PITIA

-$32,090
Full Cashflow

Incl. vacancy, PM, maint, capex

-$38,902

What would make this work?

$38,902/mo short at 20% down; +$50,522/mo rent closes it.

Break-even price

89% under asking

$604,884
Break-even rent

$50,522/mo above the estimate

$59,597/mo
Cashflow at 35% down
−$32,996/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$31,499
Cap Rate
-1.47%
Cash-on-Cash
-41.17%
DSCR

Need ≥ 1.25 for DSCR loan

0.22

NOI (Annual)
-$83,397
Price-to-Rent

Lower = better for investors

52.1

* 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.

Open Full Calculator
DCashflow−$38,902/mo