
3580 Union St.
Dbottom 20%San Diego, CA 92103
One license per person in San Diego: whether you can hold it depends on you, not only the home.
119 licensed short-term rentals within ½ mile (80 whole home), from the cities' license and permit lists of Nov 6, 2026.
Pass at asking: -$11,801/mo full cashflow at 20% down, 7.43% rate.
Works at $608,571 (72% under asking), or at all cash.
Rent $6,070/mo from 8 leases of 3-bed houses within 0.5 mi ($6,404–$7,173).
Beds
3
Baths
2.5
Sqft
2,706
Year Built
1992
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026420SD
This property is in San Diego (92103). View neighborhood stats →
About This Property
Panoramic views, exceptional living, paid-for solar system, and effortless entertaining in Middletown South Mission Hills! An exceptional residence where breathtaking views, inviting spaces, and indoor-outdoor living blend together beautifully! Perched atop San Diego’s International Airport and Downtown area, this stunning 3-bedroom + optional bonus room, 2.5-bath home offers 2,706 square feet of thoughtfully designed living space, showcasing spectacular sightlines of San Diego Harbor, the bay, Coronado, Point Loma, and the sparkling Pacific Ocean. Designed for both comfortable everyday living and unforgettable entertaining, this estate welcomes you with soaring vaulted wood-beamed ceilings, beautiful wood floors, elegant travertine flooring, expansive windows, Murphy Bed option in second floor bedroom/ office, and an abundance of natural light throughout! Separate living and family rooms, a dedicated dining area, and a charming breakfast nook provide wonderful spaces to gather and unwind. The beautifully updated kitchen features quartz countertops, custom cabinetry, a gas range, and stainless-steel appliances. The impressive primary retreat is a destination of its own, featuring a cozy fireplace, private view deck, and a versatile bonus room ideal for a home office, gym, nursery, or private sitting area. A truly grand walk-in closet at the primary suite, complete with custom built-ins adds an extra touch of luxury. The luxurious, spa-inspired bathroom offers dual vanities, a generous walk-in shower, an oversized soaking tub, and beautiful travertine and granite finishes. The outdoor spaces are equally inviting, with multiple expansive decks accessible from the living room, family room, and primary suite, creating the perfect backdrop for morning coffee, sunset gatherings, and entertaining against San Diego’s incredible coastal scenery! Enjoy the BBQ area, landscaped gardens, and an abundance of mature fruit trees, including grapefruit, Asian pear, plum, and delicious pomegranate. Additional highlights include a new HVAC system and owned solar panels to help keep electricity costs low, a dedicated laundry room, and an attached two-car garage. Built in 1992, this remarkable multi-level home offers the perfect blend of character, comfort, views, and functionality. All this in an unbeatable location, just moments from the vibrant restaurants and shops of Mission Hills, Downtown San Diego, major freeways, and the Airport. Welcome home to 3580 Union Street!
Mortgage Calculator
Est. Monthly Payment
$14,687
Location
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Zoned Schools
Elementary
Grant K-8 · grades K-8 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
or Roosevelt International Middle · grades 6-8 · San Diego Unified
Choice area: the district lets families here pick either school.
High
San Diego High · grades 9-12 · San Diego Unified
or Point Loma High · grades 9-12 · San Diego Unified
Choice area: the district lets families here pick either school.
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
$6,070
Comp Average
$7,405
2388 Juan Street
3bd / 3ba · 2,775 sqft · Single Family
$2.29M
Est. $7,938/mo
1694 Torrance St
4bd / 4ba · 2,850 sqft · Single Family
$2.19M
Est. $7,778/mo
3784 8th Ave
4bd / 3.5ba · 2,791 sqft · Single Family
$2.45M
Est. $7,273/mo
1230 Brookes Ave
4bd / 4ba · 2,924 sqft · Single Family
$2.45M
Est. $7,174/mo
1035 Spruce
3bd / 3.5ba · 2,396 sqft · Single Family
$2.48M
Est. $6,862/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3-bed houses within 0.5 mi · $6,404–$7,173
Blended 50/50 with the zip's market median ($5,248)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,801/mo short at 20% down; 100% down or +$15,326/mo rent closes it.
- Break-even price
- $608,571
- Break-even rent
- $21,396/mo
- Cashflow at 35% down
- −$9,567/mo
- Down payment to break even
- 100%
- Rate to break even
- Not reachable
72% under asking
$15,326/mo above the estimate
$2,145,000 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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