3132 45th Street

3132 45th Street

D

San Diego, CA 92105

$1,099,000
NEW — 4d on market

Beds

Baths

Sqft

2,624

Year Built

1979

Days on Market

4

Property Type

Multi-Family

HOA/mo

N/A

MLS ID

NDP2603107

Description

Situated in a central San Diego location, 3132–36 45th Street presents a rare opportunity to own a versatile and well-maintained duplex with strong lifestyle appeal. The property features two distinct units, offering flexibility for multi-generational living, rental income, or owner occupancy. The lower unit offers a spacious 3 bedroom, 2 bathroom layout with abundant storage and thoughtful updates throughout, including a new washer and dryer. The upper unit features 2 bedrooms and 1 bathroom, complemented by a new refrigerator and the added benefit of owned solar for improved energy efficiency. Both units are equipped with individual mini split systems in each room, providing customizable comfort year round, along with double pane windows that enhance energy efficiency and interior quiet. Located near a walking trail and convenient to shopping, dining, and commuter routes, this property blends everyday livability with long term value. Whether you are looking to live in one unit and rent the other or maximize dual rental potential, this duplex offers a compelling opportunity in a growing area of San Diego.

Mortgage Calculator

Est. Monthly Payment

$6,977

Principal & Interest$5,557
Property Tax$1,099
Insurance$321
%($219,800)
%

Investment Score

1D
Est. Monthly Rent
$3,369
Monthly Cashflow

Rent − PITIA

$-3,608
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,299

Mortgage (P+I)
$5,557
Cap Rate
0.28%
Cash-on-Cash
-28.93%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$10,251

NOI (Annual)
$3,100
Price-to-Rent

Lower = better for investors

27.2

* 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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