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2121 4th Street

Atop 10%

National City, CA 91950

$749,999

STR limited · National City: capped, owner nearby · TOT 10%

Pass at asking: -$2,490/mo full cashflow at 20% down, 7.43% rate.

Works at $425,808 (43% under asking), or at 68% down.

Rent $4,247/mo from 15 leases of 3-bed houses within 2 mi ($3,737–$4,290).

Beds

Baths

Sqft

1,528

Year Built

1960

Days on Market

137

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2604893

This property is in National City (91950). Browse neighborhood analytics →

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About This Property

$25,000 reasons to read this listing. The seller is offering up to $25,000 in closing cost credits with the right offer. Buy down your rate. Keep cash in your pocket. Walk in with equity already working for you. That’s not a gimmick — that’s a head start. And the home backs it up. Upgraded Milgaard windows. High-efficiency HVAC with instant-cool AC that actually delivers. A permitted family room addition giving you more square footage - because the owners invested in this place, not just lived in it. Only the second time this home has ever hit the market. That kind of ownership shows up in the details. Clean yard. Easy to maintain. Attached 2-car garage. Move-in ready without the renovation drama. This is the one buyers walk through and immediately call their agent. Don’t be the one who waited a day too long.

Mortgage Calculator

Est. Monthly Payment

$5,135

Principal & Interest$4,167

Property Tax$750

Insurance$219

Down Payment

%($150,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
El Toyon Elementary · grades K-6 · National Elementary
Middle
Granger Junior High · grades 7-9 · Sweetwater Union High
High
Sweetwater High · grades 9-12 · Sweetwater Union High

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 found

This Property

$4,247

Comp Average

$3,929

2325 14th Street

3bd / 2ba · 1,514 sqft · Single Family

$749K

Est. $3,925/mo

3002 11th Street

3bd / 2ba · 1,648 sqft · Single Family

$746K

Est. $3,886/mo

3140 2nd Street

3bd / 2ba · 1,565 sqft · Single Family

$810K

Est. $4,021/mo

1003 Manchester Street

3bd / 2ba · 1,802 sqft · Single Family

$850K

Est. $4,041/mo

2628 Fenton Pl

3bd / 2.5ba · 1,376 sqft · Single Family

$880K

Est. $3,774/mo

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

Investment Score

58A

Est. Monthly Rent

$4,247

15 leases of 3-bed houses within 2 mi · $3,737–$4,290

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$889

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,490

What would make this work?

$2,490/mo short at 20% down; 68% down or +$3,234/mo rent closes it.

Break-even price: $425,808
Break-even rent: $7,481/mo
Cashflow at 35% down: −$1,709/mo
Down payment to break even: 68%
Rate to break even: 0.04%

Mortgage (P+I)

$4,167

Cap Rate

3.02%

Cash-on-Cash

-19.92%

DSCR

Need ≥ 1.25 for DSCR loan

0.83

NOI (Annual)

$22,663

Price-to-Rent

Lower = better for investors

14.7

* 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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ACashflow−$2,490/mo