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2455 Amity
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2455 Amity

Dbottom 20%

San Diego, CA 92109

$3,495,000
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.

28 licensed short-term rentals within ½ mile (22 whole home), from the cities' license and permit lists of Nov 8, 2026.

Pass at asking: -$20,784/mo full cashflow at 20% down, 7.43% rate.

Works at $788,815 (77% under asking); even all cash loses money at asking.

Rent $7,868/mo from 15 leases of 3-bed houses within 1 mi ($7,573–$10,135).

Beds

3

Baths

2

Sqft

2,224

Year Built

1964

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026636SD

This property is in San Diego (92109). View neighborhood stats →

About This Property

Beautifully remodeled mid-century modern architectural gem in sought-after North Pacific Beach. The private backyard oasis features a state-of-the-art pickleball court and custom above-ground pool, creating a unique setting for recreation, entertaining, and relaxation. Filled with natural light and timeless character, the home offers exceptional indoor-outdoor living with multiple patios and decks. Enjoy peaceful surroundings and beautiful ocean views from the second floor. A rare opportunity to experience the best of coastal living in one of Pacific Beach’s most desirable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$23,931

Principal & Interest$19,416
Property Tax$3,495
Insurance$1,019
%($699,000)
%
Loan Term

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 found

This Property

$7,868

vs

Comp Average

$8,268

1424 Thomas Ave

1424 Thomas Ave

4bd / 3.5ba · 2,331 sqft · Single Family

$2.30M

Est. $8,561/mo

4985 Pacifica Dr

4985 Pacifica Dr

3bd / 2.5ba · 2,128 sqft · Single Family

$2.27M

Est. $7,261/mo

4064 Haines Street

4064 Haines Street

4bd / 4.5ba · 2,300 sqft · Single Family

$2.80M

Est. $8,947/mo

836 Beryl Street

836 Beryl Street

4bd / 4ba · 2,343 sqft · Single Family

$3.30M

Est. $9,264/mo

5018 Soledad Rd

5018 Soledad Rd

3bd / 2ba · 2,151 sqft · Single Family

$4.00M

Est. $7,308/mo

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

Investment Score

0D
Est. Monthly Rent
$7,868

15 leases of 3-bed houses within 1 mi · $7,573–$10,135

Blended 50/50 with the zip's market median ($6,619)

Monthly Cashflow

Rent − PITIA

-$16,062
Full Cashflow

Incl. vacancy, PM, maint, capex

-$20,784

What would make this work?

$20,784/mo short at 20% down; +$26,993/mo rent closes it.

Break-even price

77% under asking

$788,815
Break-even rent

$26,993/mo above the estimate

$34,861/mo
Cashflow at 35% down
−$17,144/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$19,416
Cap Rate
-0.33%
Cash-on-Cash
-35.68%
DSCR

Need ≥ 1.25 for DSCR loan

0.33
NOI (Annual)
-$11,697
Price-to-Rent

Lower = better for investors

37.0

* 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.

Open Full Calculator
DCashflow−$20,784/mo