3086 Mercer Lane
1 / 20

3086 Mercer Lane

C

San Diego, CA 92122

$2,200,000

Soft Appraisal Value: $2,119,800 · 3.8% above estimate

Beds

5

Baths

3

Sqft

2,383

Year Built

1967

Days on Market

12

Property Type

Single Family

HOA/mo

N/A

MLS ID

260014624SD

This property is in San Diego (92122). View neighborhood stats →

Virtual Tour

About This Property

Beautifully maintained two-story residence featuring 5 bedrooms and 3 full bathrooms in the highly sought-after central University City neighborhood. Showcasing exceptional pride of ownership, this stately home offers a bright, impeccably cared-for interior, generous living spaces, and breathtaking unobstructed panoramic views. Combining timeless character, everyday comfort, and an outstanding location, this is a rare opportunity to own a truly special property in one of the area's most desirable communities.

Mortgage Calculator

Est. Monthly Payment

$13,966

Principal & Interest$11,124
Property Tax$2,200
Insurance$642
%($440,000)
%

Location

Loading map...

Investment Score

2D
Est. Monthly Rent
$6,659
Monthly Cashflow

Rent − PITIA

$-7,307
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,672

Mortgage (P+I)
$11,124
Cap Rate
0.25%
Cash-on-Cash
-29.11%
DSCR

Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$20,519

NOI (Annual)
$5,425
Price-to-Rent

Lower = better for investors

27.5

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator