2578 Moonstone
Ctop 80%San Diego, CA 92123
One license per person in San Diego: whether you can hold it depends on you, not only the home.
22 licensed short-term rentals within ½ mile (12 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$3,807/mo full cashflow at 20% down, 7.36% rate.
Works at $450,857 (52% under asking), or at 79% down.
Rent $4,475/mo from 8 leases of 3-bed houses within 1 mi ($4,392–$4,690).
Beds
3
Baths
2
Sqft
1,510
Year Built
1959
Days on Market
1
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026809SD
This property is in San Diego (92123). View neighborhood stats →
About This Property
Welcome to Serra Mesa living at its finest, This charming single-level 3 bedroom, Large optional room, 2 bath home offers the perfect combination of comfort, functionality, and timeless California charm. Filled with natural light, the thoughtfully designed layout features inviting living spaces, spacious bedrooms, and seamless flow for everyday living and entertaining. Step outside to a beautifully sized yard with mature fruit trees creating a peaceful garden setting, perfect for enjoying San Diego’s year-round weather. Owned solar panels add energy efficiency and long-term value, while the home’s central location places you just minutes from shopping, dining, beaches, major freeways, and everything San Diego has to offer. A rare opportunity to enjoy space, warmth, and convenience all in one of San Diego’s most centrally located neighborhoods.
Mortgage Calculator
Est. Monthly Payment
$6,462
Location
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Zoned Schools
Elementary
Juarez Elementary · grades K-5 · San Diego Unified
Middle
Taft Middle · grades 6-8 · San Diego Unified
High
Kearny Digital Media & Design · grades 9-12 · San Diego Unified
or Kearny School of Biomedical Science and Technology · grades 9-12 · San Diego Unified
or Kearny College Connections · grades 9-12 · San Diego Unified
or Kearny Eng Innov & Design · grades 9-12 · San Diego Unified
Choice area: the district lets families here pick either school.
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
$4,475
Comp Average
$4,661
9290 Fermi Avenue
4bd / 3ba · 1,635 sqft · Single Family
$899K
Est. $4,743/mo
2956 Mission Village Drive
4bd / 3ba · 1,500 sqft · Single Family
$943K
Est. $4,623/mo
9215 Huntington Avenue
3bd / 2ba · 1,504 sqft · Single Family
$1.15M
Est. $4,977/mo
8840 Hammond Dr
3bd / 3ba · 1,497 sqft · Single Family
$1.08M
Est. $4,347/mo
3412 Dorchester Dr
3bd / 3ba · 1,680 sqft · Single Family
$1.25M
Est. $4,617/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3-bed houses within 1 mi · $4,392–$4,690
Blended 50/50 with the zip's market median ($4,311)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,807/mo short at 20% down; 79% down or +$4,944/mo rent closes it.
- Break-even price
- $450,857
- Break-even rent
- $9,419/mo
- Cashflow at 35% down
- −$2,825/mo
- Down payment to break even
- 79%
- Rate to break even
- Not reachable
52% under asking
$4,944/mo above the estimate
$749,710 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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