
2175 Clove Street
Ctop 80%San Diego, CA 92106
One license per person in San Diego: whether you can hold it depends on you, not only the home.
73 licensed short-term rentals within ½ mile (42 whole home), from the cities' license and permit lists of Nov 6, 2026.
Pass at asking: -$10,979/mo full cashflow at 20% down, 7.43% rate.
Works at $765,585 (65% under asking), or at 93% down.
Rent $7,636/mo from 11 leases of 4–6 bed houses within 2 mi ($7,452–$7,785).
Beds
5
Baths
5
Sqft
2,644
Year Built
1950
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2610048
This property is in San Diego (92106). View neighborhood stats →
About This Property
Experience refined coastal living in the heart of Point Loma in this beautifully remodeled 6-bedroom, 5-bath residence, offering ocean views, contemporary finishes, and exceptional versatility. Thoughtfully redesigned, the home blends modern sophistication with a light-filled, inviting atmosphere, creating an ideal setting for both everyday living and elegant entertaining. At the heart of the home, the beautifully appointed kitchen flows seamlessly into the living and dining areas, creating a natural gathering space. A versatile bonus room offers flexibility for a private office, media lounge, or additional living space. The lower level presents exciting potential for an ADU, offering possibilities for multigenerational living, guest accommodations, or rental income, subject to applicable approvals. Embrace the Southern California lifestyle with inviting front and spacious rear patios, perfect for al fresco dining, entertaining, or unwinding in the coastal breeze. Generously proportioned bedrooms and a thoughtful layout provide comfort, privacy, and flexibility for a variety of living arrangements. Ideally positioned near Shelter Island, Sunset Cliffs, yacht clubs, beaches, Liberty Station, and Point Loma’s acclaimed dining and shopping, this exceptional residence offers a compelling blend of contemporary style, versatile living, and coastal appeal. With ocean views and a prime location, this move-in-ready home presents a distinctive opportunity to enjoy the best of Point Loma living.
Mortgage Calculator
Est. Monthly Payment
$15,029
Location
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Zoned Schools
Elementary
Loma Portal Elementary · grades K-4 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
High
Point Loma 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
$7,636
Comp Average
$7,554
1840 Locust St
4bd / 2ba · 1,938 sqft · Single Family
$1.50M
Est. $7,009/mo
1174 Concord
4bd / 3ba · 3,166 sqft · Single Family
$1.95M
Est. $7,913/mo
942 Rosecrans St
5bd / 3ba · 3,200 sqft · Single Family
$2.45M
Est. $8,712/mo
3235 Fenelon St.
5bd / 3ba · 2,491 sqft · Single Family
$2.40M
Est. $7,090/mo
3327 Fenelon
4bd / 3ba · 2,640 sqft · Single Family
$2.60M
Est. $7,045/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 4–6 bed houses within 2 mi · $7,452–$7,785
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$10,979/mo short at 20% down; 93% down or +$14,258/mo rent closes it.
- Break-even price
- $765,585
- Break-even rent
- $21,894/mo
- Cashflow at 35% down
- −$8,692/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
65% under asking
$14,258/mo above the estimate
$2,041,350 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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