2135 Montclair St
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2135 Montclair St

Ctop 80%

San Diego, CA 92104

$1,149,999
NEW — 0d
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.

30 licensed short-term rentals within ½ mile (17 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$5,627/mo full cashflow at 20% down, 7.43% rate.

Works at $417,325 (64% under asking), or at 91% down.

Rent $4,163/mo from 9 leases of 2–4 bed houses within 1 mi ($3,356–$5,500).

Beds

3

Baths

2

Sqft

1,100

Year Built

1964

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026376SD

This property is in San Diego (92104). View neighborhood stats →

About This Property

Step into a home where the solar is fully paid off and every detail has been thoughtfully reimagined. This gorgeous residence shines with upscale, modern designer finishes and high-end fixtures that create a sophisticated atmosphere throughout the entire space. The elegant kitchen serves as the heart of the home, featuring rich cherrywood cabinetry paired with sleek stainless steel appliances. The outdoor living options are truly exceptional. You’ll love the privacy of the massive 22'x22' enclosed front courtyard, while the backyard offers a sprawling 24'x15' covered patio and a lush lawn perfect for afternoon lounging. Inside, the home stays comfortable year-round thanks to energy-efficient dual heating and cooling systems. Complete with an oversized two-car garage, this property offers plenty of space for both vehicles and hobbies. Best of all, you are just two blocks away from the recreation at Montclair Park and the local McKinley Elementary. It’s rare to find a home that balances this level of modern style with such practical, energy-saving upgrades—come see it for yourself!

Mortgage Calculator

Est. Monthly Payment

$7,874

Principal & Interest$6,389
Property Tax$1,150
Insurance$335
%($230,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    McKinley Elementary · grades K-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.

Investment Score

10C
Est. Monthly Rent
$4,163

9 leases of 2–4 bed houses within 1 mi · $3,356–$5,500

Blended 50/50 with the zip's market median ($4,884)

Monthly Cashflow

Rent − PITIA

-$3,711
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,627

What would make this work?

$5,627/mo short at 20% down; 91% down or +$7,307/mo rent closes it.

Break-even price

64% under asking

$417,325
Break-even rent

$7,307/mo above the estimate

$11,470/mo
Cashflow at 35% down
−$4,429/mo
Down payment to break even

$1,046,499 cash

91%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,389
Cap Rate
1.01%
Cash-on-Cash
-29.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.53

NOI (Annual)
$11,644
Price-to-Rent

Lower = better for investors

23.0

* 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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CCashflow−$5,627/mo