2690 Cowley Way
Ctop 80%San Diego, CA 92110
One license per person in San Diego: whether you can hold it depends on you, not only the home.
19 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 4, 2026.
Pass at asking: -$9,319/mo full cashflow at 20% down, 7.49% rate.
Works at $630,710 (66% under asking), or at 93% down.
Rent $6,318/mo from 9 leases of 3–5 bed houses within 1 mi ($5,177–$6,144).
Beds
4
Baths
4
Sqft
2,137
Year Built
1956
Days on Market
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
PTP2607111
This property is in San Diego (92110). View neighborhood stats →
About This Property
Welcome to 2690 Cowley Way, a beautifully updated 4-bedroom, 4-bathroom home offering 2,137 square feet of thoughtfully designed living space in the highly desirable Bay Park neighborhood. Organic-modern finishes, warm natural textures, and stylish updates create an inviting atmosphere throughout. The flexible floor plan includes a granny flat with a kitchenette ideal for extended family, guests, a private home office, or potential rental income. Enjoy an exceptional central location near schools, Mission Bay, shopping, restaurants, and everything San Diego has to offer. This move-in-ready home modern design, versatile living, and the best of the Bay Park lifestyle.
Mortgage Calculator
Est. Monthly Payment
$12,652
Location
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Zoned Schools
Elementary
Bay Park Elementary · grades K-5 · San Diego Unified
Middle
Marston Middle · grades 6-8 · San Diego Unified
High
Clairemont 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
$6,318
Comp Average
$5,780
5018 Georgetown Avenue
4bd / 3ba · 2,052 sqft · Single Family
$1.55M
Est. $5,912/mo
2651 Arnott Street
4bd / 1.5ba · 2,139 sqft · Single Family
$1.70M
Est. $5,902/mo
1342 Gertrude
5bd / 3ba · 1,960 sqft · Single Family
$1.57M
Est. $5,540/mo
4542 Milton Street
4bd / 3ba · 2,131 sqft · Single Family
$1.89M
Est. $6,259/mo
1985 Frankfort
3bd / 3ba · 1,648 sqft · Single Family
$1.85M
Est. $5,288/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 3–5 bed houses within 1 mi · $5,177–$6,144
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$9,319/mo short at 20% down; 93% down or +$12,103/mo rent closes it.
- Break-even price
- $630,710
- Break-even rent
- $18,421/mo
- Cashflow at 35% down
- −$7,393/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
66% under asking
$12,103/mo above the estimate
$1,710,270 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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