
104 Lewis Street
Ctop 80%San Diego, CA 92103
87 licensed short-term rentals within ½ mile (62 whole home), from the cities' license and permit lists of Nov 8, 2026.
No unit in this 7-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: -$6,840/mo full cashflow at 20% down, 7.43% rate.
Works at $404,504 (69% under asking), or at 97% down.
Rent $4,814/mo from 13 leases of 2–4 bed condos & townhomes within 1 mi, same school area ($4,339–$6,008).
Beds
3
Baths
3
Sqft
1,878
Year Built
2003
Days on Market
44
Property Type
Townhouse
HOA/mo
$600
MLS ID
260023231SD
This property is in San Diego (92103). View neighborhood stats →
About This Property
RARELY AVAILABLE TOWNHOME IN THE HEART OF MISSION HILLS! This beautifully appointed 3-bedroom, 3-bathroom townhome with 2025 HVAC (w/10yr warranty) offers almost 1,900 square feet of sophisticated, modern living in one of San Diego’s most desirable neighborhoods. Thoughtfully designed with an exceptional blend of style, functionality, and convenience, the home features two master suites, including one conveniently located on the entry level providing flexibility for guests, multigenerational living, or a private home office. Upon entering, you are greeted by an inviting open-concept living space showcasing abundant natural light, soaring ceilings, and beautiful engineered wood flooring throughout. The thoughtfully designed floor plan creates an ideal setting for both comfortable everyday living and effortless entertaining. At the center of the home is a newly remodeled chef’s kitchen, featuring a Café refrigerator, premium appliances, gorgeous cabinetry, sleek countertops, a spacious island, and sophisticated modern finishes. The kitchen seamlessly connects to the living area and provides direct access to the private patio, creating an ideal indoor-outdoor setting for entertaining or enjoying a quiet morning. The patio is also accessible from the second floor bedroom and offers a private outdoor retreat with ample space to create your own urban oasis. All three bathrooms have been tastefully remodeled with contemporary finishes and thoughtful design, maximizing both style and functionality. Additional interior conveniences include a full-size, side-by-side washer and dryer and an array of integrated smart-home features, including smart light switches, remote-controlled window coverings throughout, a Ring doorbell, and a security system. The attached, direct-access 2-car garage provides exceptional convenience and security, while offering abundant storage, a Tesla charging station, and a tankless water heater. Ideally situated in Mission Hills, this home places you just steps from an outstanding selection of restaurants, shopping, entertainment, freeway access, and everyday amenities. With no alleys. This exceptional townhome offers the perfect balance of luxury, privacy, convenience, and modern city living.
Mortgage Calculator
Est. Monthly Payment
$9,467
Location
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Zoned Schools
Elementary
Florence 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
$4,814
Comp Average
$5,245
4079 1st Avenue
3bd / 2.5ba · 1,769 sqft · Townhouse
$1.20M
Est. $4,959/mo
350 Nutmeg St
3bd / 3ba · 1,763 sqft · Townhouse
$1.20M
Est. $5,197/mo
3711 Columbia Street
3bd / 2.5ba · 1,858 sqft · Townhouse
$1.18M
Est. $4,650/mo
3533 3rd Ave
3bd / 3.5ba · 2,257 sqft · Townhouse
$1.49M
Est. $5,603/mo
2665 5th Avenue
2bd / 2.5ba · 2,032 sqft · Condo
$1.59M
Est. $5,817/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
13 leases of 2–4 bed condos & townhomes within 1 mi, same school area · $4,339–$6,008
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,840/mo short at 20% down; 97% down or +$8,883/mo rent closes it.
- Break-even price
- $404,504
- Break-even rent
- $13,697/mo
- Cashflow at 35% down
- −$5,491/mo
- Down payment to break even
- 97%
- Rate to break even
- Not reachable
69% under asking
$8,883/mo above the estimate
$1,256,150 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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