3620 Poe St San Diego

3620 Poe St San Diego

D

, CA 92106

$1,545,000

Beds

4

Baths

3

Sqft

1,995

Year Built

1955

Days on Market

19

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003275SD

Description

Located in Point Loma, this well-maintained single-level 3BR/2BA 1,415 sf home with a detached 580 sf ADU offers flexibility and thoughtful upgrades throughout. The main residence features updated bathrooms, oak floors, dual-pane windows, and AC. The remodeled kitchen includes quartz countertops and stainless steel appliances, while an oversized laundry room provides ample additional storage. The detached ADU, completed in 2023, features a light and bright open layout with quartz countertops, stacked washer and dryer, mini-split system, and private access via the rear alley. Outdoor spaces include a private, backyard with patio and turf, ideal for relaxing or entertaining. Conveniently located near Point Loma High School and local schools, as well as shops, restaurants, and just minutes to the beach and bay. A great opportunity to enjoy coastal living with the added flexibility of a detached ADU.

Mortgage Calculator

Est. Monthly Payment

$9,808

Principal & Interest$7,812
Property Tax$1,545
Insurance$451
%($309,000)
%

Investment Score

3D
Est. Monthly Rent

Market Rent Estimate

$5,154
Monthly Cashflow

Rent − PITI − HOA

$-4,654
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,127

Mortgage (P+I)
$7,812
Cap Rate
0.53%
Cash-on-Cash
-18.08%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$9,808

NOI (Annual)
$8,221
Price-to-Rent

Lower = better for investors

25.0

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

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