3112 Luna
Ctop 80%San Diego, CA 92117
One license per person in San Diego: whether you can hold it depends on you, not only the home.
41 licensed short-term rentals within ½ mile (23 whole home), from the cities' license and permit lists of Nov 8, 2026.
Pass at asking: -$4,560/mo full cashflow at 20% down, 7.43% rate.
Works at $366,311 (62% under asking), or at 89% down.
Rent $3,654/mo from 10 leases of 3-bed houses within 1 mi ($3,601–$3,790).
Beds
3
Baths
1
Sqft
900
Year Built
1954
Days on Market
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
OC26204928
This property is in San Diego (92117). View neighborhood stats →
About This Property
NEW PRICE: $960,000! Welcome to Bay Ho, a quiet pocket tucked between Bay Park to the south and University City to the north, just across the 5 from Pacific Beach and La Jolla.This move-in ready 3 bedroom, 1 bath home sits on a generous 5,100 sq ft lot and is ready for its next chapter. You’ll find fresh paint and new carpet throughout, along with crown molding, newer vinyl windows, and deep closets for all your storage needs. The kitchen has beautiful countertops and vinyl flooring, and central air conditioning with forced-air heat keeps you comfortable all year.Then there’s the 12' x 12' bonus room, which becomes whatever you imagine. Picture a movie room with a big screen and an oversized sectional. Or a quiet home office, a home gym, a game room, an art or music studio, or the spot where friends and family gather to hang out. It’s yours to dream up.Step outside to a spacious fenced backyard, a blank canvas for a garden, a lounge area, or weekend entertaining. Out front, sustainable landscaping frames clear views of Mt. Soledad. Attached pantry storage, a 1-car garage, and off-street parking round it out.Everything you need is close by:• Shopping: Clairemont Town Square, Vons, and Smart & Final, just minutes away• Dining: Chef JUN sushi, Indya, Bay Hill Tavern, and Bay Park Fish Company, all a short drive• Outdoors: Hike or bike San Clemente, Rose, and Tecolote Canyons• Mission Bay: Roughly 2 miles to boat launches, bike paths, basketball courts, and playgrounds• The Beach: Pacific Beach and the ocean, roughly 3.5 miles• Commuting: Blocks to the bus line, with fast access to the 5, 52, and 805 freeways and an easy run to UTC, downtown, and the beach communitiesCome see what Bay Ho living is all about!
Mortgage Calculator
Est. Monthly Payment
$6,573
Location
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Zoned Schools
Elementary
Alcott Elementary · grades PK-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
$3,654
Comp Average
$3,744

3153 Idlewild Way
3bd / 1ba · 899 sqft · Single Family
$799K
Est. $3,683/mo
4858 Chateau Drive
3bd / 1.5ba · 1,008 sqft · Single Family
$999K
Est. $3,899/mo
4411 Carib Ct
3bd / 1ba · 1,050 sqft · Single Family
$980K
Est. $3,663/mo
4509 Moraga Ave
3bd / 1.5ba · 1,052 sqft · Single Family
$1.15M
Est. $4,008/mo
4190 Clairemont Dr
2bd / 1ba · 888 sqft · Single Family
$1.30M
Est. $3,467/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 3-bed houses within 1 mi · $3,601–$3,790
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,560/mo short at 20% down; 89% down or +$5,922/mo rent closes it.
- Break-even price
- $366,311
- Break-even rent
- $9,576/mo
- Cashflow at 35% down
- −$3,560/mo
- Down payment to break even
- 89%
- Rate to break even
- Not reachable
62% under asking
$5,922/mo above the estimate
$854,400 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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