115 65 Street
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115 65 Street

Ctop 80%

San Diego, CA 92114

$789,000
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

13 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,421/mo full cashflow at 20% down, 7.36% rate.

Works at $341,302 (57% under asking), or at 83% down.

Rent $3,388/mo from 18 leases of 3-bed houses within 2 mi ($3,203–$3,670).

Beds

3

Baths

2

Sqft

1,102

Year Built

1979

Days on Market

84

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2606365

This property is in San Diego (92114). Browse neighborhood analytics →

Virtual Tour

About This Property

Beautifully reimagined 3-bedroom, 2-bath home offering approximately 1,102 square feet of bright, modern living. The open-concept interior showcases warm flooring, recessed lighting, abundant natural light, and thoughtfully selected finishes throughout. A stunning designer kitchen anchors the home with waterfall-edge quartz countertops, a generous island with bar seating, elegant cabinetry, champagne-brass accents, open shelving, and striking Forno appliances. The spacious primary suite features a remodeled private bath and direct backyard access. Outside, enjoy a private, freshly landscaped yard with green lawn, shade sails, and a pergola-covered entertaining area. Complete with a two-car garage and an exceptionally generous driveway, this stylish, move-in-ready home brings together comfort, function, and effortless San Diego living. RV parking, Boat Parking.

Mortgage Calculator

Est. Monthly Payment

$5,372

Principal & Interest$4,353
Property Tax$789
Insurance$230
%($157,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Fulton K-8 · grades PK-8 · San Diego Unified

  • Middle

    Bell Middle · grades 6-8 · San Diego Unified

  • High

    Morse 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.

Investment Score

33C
Est. Monthly Rent
$3,388

18 leases of 3-bed houses within 2 mi · $3,203–$3,670

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,984
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,421

What would make this work?

$3,421/mo short at 20% down; 83% down or +$4,443/mo rent closes it.

Break-even price

57% under asking

$341,302
Break-even rent

$4,443/mo above the estimate

$7,831/mo
Cashflow at 35% down
−$2,605/mo
Down payment to break even

$654,870 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,353
Cap Rate
1.68%
Cash-on-Cash
-26.01%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$13,220
Price-to-Rent

Lower = better for investors

19.4

* Modelled at 20% down, 7.36% 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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CCashflow−$3,421/mo