3320 Hill San Diego

3320 Hill San Diego

D

, CA 92106

$2,699,000

Beds

3

Baths

4

Sqft

3,486

Year Built

1995

Days on Market

116

Property Type

Single Family

HOA/mo

N/A

MLS ID

OC25256559

View on MLS

Description

This beautifully appointed home sits in one of Point Loma’s most sought-after neighborhoods, offering timeless style, an ideal layout, and sweeping bay views. The bright, open kitchen features custom lighting, a farmhouse sink, and abundant cabinetry, flowing seamlessly into the main living spaces for effortless entertaining. Upstairs, a spacious top-floor retreat captures panoramic bay vistas and opens to a large covered rooftop deck—perfect for relaxing sunsets or gatherings under the stars. The private backyard provides a serene escape with mature landscaping and plenty of room to unwind. Additional highlights include owned solar, dual A/C units, and enduring Point Loma charm throughout. The property is a mild fixer and has potential for upside with a little TLC. Seller will entertain creative finance, seller finance, and subject 2 offers. Best of all, this property is attractively priced, having just appraised for $2,850,000.

Mortgage Calculator

Est. Monthly Payment

$17,134

Principal & Interest$13,648
Property Tax$2,699
Insurance$787
%($539,800)
%

Investment Score

1D
Est. Monthly Rent

Market Rent Estimate

$7,963
Monthly Cashflow

Rent − PITI − HOA

$-9,171
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,251

Mortgage (P+I)
$13,648
Cap Rate
0.18%
Cash-on-Cash
-20.39%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$17,134

NOI (Annual)
$4,756
Price-to-Rent

Lower = better for investors

28.2

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

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