3095 L St.
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3095 L St.

D

San Diego, CA 92102

$1,050,000
NEW — 2d

Beds

3

Baths

3.5

Sqft

1,558

Year Built

1969

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

260009809SD

This property is in San Diego (92102). View neighborhood stats →

About This Property

Great opportunity for a first-time homebuyer! This single-family residence features a permitted attached ADU with its own private entrance, separate address (3098 L St), and individual utilities—perfect for generating rental income to help offset your monthly mortgage. The ADU is a nicely upgraded 1 bedroom, 1 bathroom unit currently rented for $2,200/month on a month-to-month lease, offering immediate income potential or flexibility for future use. The main home offers 3 bedrooms and 3.5 bathrooms, along with a 2-car garage and recent improvements including dual-pane windows, tile flooring, a newer roof, updated plumbing, and fresh interior paint. Property also includes additional structures providing flexible space for storage, workspace, or other potential uses. Buyer to verify all permits, uses, and square footage. Live in the main home while the ADU helps pay your mortgage—an ideal setup for buyers looking to get started in homeownership with built-in financial support. Great opportunity for a first-time homebuyer! This single-family residence features a permitted attached ADU with its own private entrance, separate address (3099 L St), and individual utilities—perfect for generating rental income to help offset your monthly mortgage. The ADU is a nicely upgraded 1 bedroom, 1 bathroom unit currently rented for $2,200/month on a month-to-month lease, offering immediate income potential or flexibility for future use. The main home offers 3 bedrooms and 3.5 bathrooms, along with a 2-car garage and recent improvements including dual-pane windows, tile flooring, a newer roof, updated plumbing, and fresh interior paint.

Mortgage Calculator

Est. Monthly Payment

$6,666

Principal & Interest$5,309
Property Tax$1,050
Insurance$306
%($210,000)
%

Location

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Investment Score

10D
Est. Monthly Rent
$3,675
Monthly Cashflow

Rent − PITIA

$-2,990
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,711

Mortgage (P+I)
$5,309
Cap Rate
0.68%
Cash-on-Cash
-26.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$9,793

NOI (Annual)
$7,185
Price-to-Rent

Lower = better for investors

23.8

* 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.

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