2960 Union Street #101
Dbottom 20%San Diego, CA 92103
124 licensed short-term rentals within ½ mile (91 whole home), from the cities' license and permit lists of Nov 9, 2026.
No unit in this 23-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$4,987/mo full cashflow at 20% down, 7.43% rate.
Works at $249,635 (72% under asking), or at all cash.
Rent $3,237/mo from 8 leases of 1–3 bed condos & townhomes within 0.5 mi ($3,088–$3,430).
Beds
2
Baths
2
Sqft
1,108
Year Built
1981
Days on Market
47
Property Type
Condo
HOA/mo
$575
MLS ID
PTP2607214
This property is in San Diego (92103). View neighborhood stats →
About This Property
Experience the best of San Diego urban living in this 2 bedroom/ 2 bath single story condo in the highly coveted 92103 zip code. Situated at the crossroads of Bankers Hill and Midtown, location is key! This corner unit features new carpet in both bedrooms. The kitchen has a new stainless stove and microwave and a Subzero built-in refrigerator & beautiful Quartz Counters with a breakfast bar, Enjoy stunning views to Downtown San Diego, the Harbor, Lindbergh Field and Point Loma. Sunsets are just one more reason to love this location. You are just moments away from the lush greenery and cultural landmarks of Balboa Park, as well as the renowned dining and nightlife scenes of Little Italy and Hillcrest. Whether you’re grabbing a morning coffee at a local café or enjoying a sunset dinner with views of the bay, everything that makes San Diego iconic is within easy reach. Unit includes gated parking space with storage. Plenty of off street parking is also available.
Mortgage Calculator
Est. Monthly Payment
$6,731
Location
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Zoned Schools
Elementary
Grant K-8 · grades K-8 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
or Roosevelt International Middle · grades 6-8 · San Diego Unified
Choice area: the district lets families here pick either school.
High
San Diego High · grades 9-12 · San Diego Unified
or Point Loma High · 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
$3,237
Comp Average
$3,469
1441 Robinson Ave
2bd / 2.5ba · 1,140 sqft · Condo
$699K
Est. $3,628/mo
917 Torrance Street
2bd / 2ba · 1,052 sqft · Condo
$615K
Est. $3,197/mo
1263 Robinson
2bd / 2ba · 1,046 sqft · Condo
$750K
Est. $3,479/mo
1270 Cleveland Ave
2bd / 2ba · 1,077 sqft · Condo
$769K
Est. $3,167/mo
475 Redwood St
2bd / 2ba · 1,151 sqft · Condo
$855K
Est. $3,874/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 1–3 bed condos & townhomes within 0.5 mi · $3,088–$3,430
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,987/mo short at 20% down; 100% down or +$6,477/mo rent closes it.
- Break-even price
- $249,635
- Break-even rent
- $9,714/mo
- Cashflow at 35% down
- −$4,051/mo
- Down payment to break even
- 100%
- Rate to break even
- Not reachable
72% under asking
$6,477/mo above the estimate
$899,000 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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