3427 Garrison
Ctop 80%San Diego, CA 92106
One license per person in San Diego: whether you can hold it depends on you, not only the home.
74 licensed short-term rentals within ½ mile (43 whole home), from the cities' license and permit lists of Nov 5, 2026.
Pass at asking: -$12,323/mo full cashflow at 20% down, 7.49% rate.
Works at $652,416 (71% under asking), or at 99% down.
Rent $6,535/mo from 8 leases of 2–4 bed houses within 0.5 mi ($6,037–$6,753).
Beds
3
Baths
3
Sqft
2,047
Year Built
1946
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026286SD
This property is in San Diego (92106). View neighborhood stats →
About This Property
Point Loma living with downtown and harbor views! This 3-bedroom, 3-bath home offers approximately 2,047 sq. ft. of living space with wood flooring and expansive living room windows that frame views of the city and harbor in the distance. The kitchen and separate dining room provide space for everyday meals and gatherings, while the light-filled primary bedroom features an en-suite bath. Step outside to a backyard designed for relaxation and recreation, complete with a deck for outdoor dining, a spa, and a private putting green. Enjoy morning coffee, host an evening gathering, or practice your short game in your own outdoor retreat. Full-size laundry accommodations and an attached two-car garage add everyday convenience. With its distinctive outdoor amenities and Point Loma setting, 3427 Garrison Street offers an inviting opportunity to enjoy San Diego coastal living.
Mortgage Calculator
Est. Monthly Payment
$15,480
Location
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Zoned Schools
Elementary
Silver Gate Elementary · grades K-4 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
High
Point Loma 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
$6,535
Comp Average
$6,475
1840 Locust St
4bd / 2ba · 1,938 sqft · Single Family
$1.50M
Est. $7,009/mo
3503 Udall
3bd / 2.5ba · 1,987 sqft · Single Family
$1.75M
Est. $6,720/mo
2955 Farragut
3bd / 3ba · 1,931 sqft · Single Family
$1.65M
Est. $6,390/mo
3105 Garrison St
3bd / 3ba · 1,710 sqft · Single Family
$1.70M
Est. $5,874/mo
3647 Hyacinth
3bd / 3ba · 1,926 sqft · Single Family
$2.20M
Est. $6,381/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 2–4 bed houses within 0.5 mi · $6,037–$6,753
Blended 50/50 with the zip's market median ($6,393)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$12,323/mo short at 20% down; 99% down or +$16,003/mo rent closes it.
- Break-even price
- $652,416
- Break-even rent
- $22,538/mo
- Cashflow at 35% down
- −$9,965/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$16,003/mo above the estimate
$2,227,500 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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