
2135 Montclair St
Ctop 80%San Diego, CA 92104
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
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.
Comparable Properties
5 comps foundThis Property
$4,163
Comp Average
$3,877
3612 Polk Ave
3bd / 1ba · 900 sqft · Single Family
$849K
Est. $3,204/mo
3927 Bancroft Street
3bd / 2ba · 1,250 sqft · Single Family
$1.10M
Est. $4,244/mo
3126 31st
2bd / 1.5ba · 1,326 sqft · Single Family
$1.09M
Est. $4,175/mo
3549 Redwood St
2bd / 2ba · 1,092 sqft · Single Family
$1.24M
Est. $3,877/mo
2164 Boundary Street
3bd / 2ba · 1,174 sqft · Single Family
$1.30M
Est. $3,886/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,627/mo short at 20% down; 91% down or +$7,307/mo rent closes it.
- Break-even price
- $417,325
- Break-even rent
- $11,470/mo
- Cashflow at 35% down
- −$4,429/mo
- Down payment to break even
- 91%
- Rate to break even
- Not reachable
64% under asking
$7,307/mo above the estimate
$1,046,499 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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