2345 Loring
Ctop 80%San Diego, CA 92109
One license per person in San Diego: whether you can hold it depends on you, not only the home.
62 licensed short-term rentals within ½ mile (44 whole home), from the cities' license and permit lists of Nov 9, 2026.
Pass at asking: -$8,267/mo full cashflow at 20% down, 7.43% rate.
Works at $518,654 (67% under asking), or at 95% down.
Rent $5,173/mo from 12 leases of 1–3 bed houses within 1 mi ($4,599–$7,034).
Beds
2
Baths
1
Sqft
1,275
Year Built
1965
Days on Market
—
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026074SD
This property is in San Diego (92109). View neighborhood stats →
About This Property
Bay & City Views From Living Room & Deck. 2 Bedroom/ 1 bath With Bonus Room Currently Used As A Bedroom. 1 Car Garage. Private Yards With Views.
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Est. Monthly Payment
$10,921
Location
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Zoned Schools
Elementary
Sessions Elementary · grades K-5 · San Diego Unified
Middle
Pacific Beach Middle · grades 6-8 · San Diego Unified
High
Mission Bay 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
$5,173
Comp Average
$5,757
3756 Promontory St
3bd / 2ba · 1,613 sqft · Single Family
$2.10M
Est. $6,614/mo
4827 Bayard St
3bd / 2ba · 1,126 sqft · Single Family
$2.00M
Est. $5,785/mo
1626 Pacific Beach
2bd / 2ba · 1,200 sqft · Single Family
$1.90M
Est. $5,143/mo
5157 Foothill Blvd
3bd / 2ba · 1,388 sqft · Single Family
$2.10M
Est. $5,552/mo
818 Queenstown Court
3bd / 3ba · 1,354 sqft · Single Family
$2.19M
Est. $5,692/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of 1–3 bed houses within 1 mi · $4,599–$7,034
Blended 50/50 with the zip's market median ($4,563)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$8,267/mo short at 20% down; 95% down or +$10,736/mo rent closes it.
- Break-even price
- $518,654
- Break-even rent
- $15,909/mo
- Cashflow at 35% down
- −$6,605/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
67% under asking
$10,736/mo above the estimate
$1,515,250 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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