3610 Central Ave
1 / 6

3610 Central Ave

A

San Diego, CA 92105

$399,000

Soft Appraisal Value: $407,900 · 2.2% below estimate

Beds

2

Baths

1

Sqft

864

Year Built

2023

Days on Market

13

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015474SD

This property is in San Diego (92105). View neighborhood stats →

About This Property

Investor opportunity in City Heights. This 2-bed, 1-bath single family bungalow is being sold as-is in distressed condition. Full renovation needed. Comparable remodeled sales in the immediate area closed between $649,900 and $720,000 in early 2026. A nearby property on 46th St sold for $465,000 in distressed condition in January 2025 and resold post-remodel for $670,000 in November 2025. After-repair value estimated at $650,000 to $700,000. Video walkthrough available.

Mortgage Calculator

Est. Monthly Payment

$2,533

Principal & Interest$2,018
Property Tax$399
Insurance$116
%($79,800)
%

Location

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Investment Score

78A
Est. Monthly Rent
$2,594
Monthly Cashflow

Rent − PITIA

+$61
Full Cashflow

Incl. vacancy, PM, maint, capex

$-868

Mortgage (P+I)
$2,018
Cap Rate
3.46%
Cash-on-Cash
-13.05%
DSCR

Need ≥ 1.25 for DSCR loan

1.02
Break-even Rent
$3,721

NOI (Annual)
$13,799
Price-to-Rent

Lower = better for investors

12.8

* 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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