3627 Ingraham Street
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3627 Ingraham Street

Ctop 80%

San Diego, CA 92109

$2,495,000
NEW — 2d
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

143 licensed short-term rentals within ½ mile (116 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$12,546/mo full cashflow at 20% down, 7.36% rate.

Works at $853,391 (66% under asking), or at 93% down.

Rent $8,470/mo from 15 leases of houses within 1 mi, size-adjusted ($7,356–$9,509).

Beds

5

Baths

5

Sqft

2,837

Year Built

1954

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2608305

This property is in San Diego (92109). View neighborhood stats →

Virtual Tour

About This Property

Just two blocks from Mission Bay in coveted Crown Point, this fully remodeled Pacific Beach home offers an exceptional coastal lifestyle with the convenience of being centrally located to the best of San Diego. From the beaches and waterfront trails to La Jolla, Downtown, and some of the city’s best dining, everything you love about San Diego is within easy reach. The main residence features 4 bedrooms and 4 bathrooms, including two primary suites, one upstairs and one downstairs, offering comfort, privacy, and flexibility. The updated interior features modern finishes, top of the line stainless steel appliances, and spacious walk-in closets. Adding to the property’s appeal is a separate casita with 1 bedroom and 1 bathroom & a kitchenette, ideal for guests, extended family, or a private workspace. Step outside to your own private backyard oasis, thoughtfully designed for low maintenance living and effortless entertaining. Two covered patios offer inviting spaces to relax, dine, or gather with friends and family year-round, while the extended driveway provides convenient off-street parking. Whether it’s morning walks along the bay, afternoons at the beach, or evenings exploring San Diego’s dining scene, this location puts it all within reach. With its versatile layout, move-in-ready interiors, private outdoor retreat, and sought-after Crown Point setting, this home offers the space, convenience, and coastal lifestyle that make San Diego living so special.

Mortgage Calculator

Est. Monthly Payment

$16,988

Principal & Interest$13,765
Property Tax$2,495
Insurance$728
%($499,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Crown Point Elementary · grades PK-5 · San Diego Unified

  • Middle

    Pacific Beach Middle · grades 6-8 · San Diego Unified

  • High

    Mission Bay 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.

Investment Score

8C
Est. Monthly Rent
$8,470

15 leases of houses within 1 mi, size-adjusted · $7,356–$9,509

Monthly Cashflow

Rent − PITIA

-$8,518
Full Cashflow

Incl. vacancy, PM, maint, capex

-$12,546

What would make this work?

$12,546/mo short at 20% down; 93% down or +$16,293/mo rent closes it.

Break-even price

66% under asking

$853,391
Break-even rent

$16,293/mo above the estimate

$24,763/mo
Cashflow at 35% down
−$9,965/mo
Down payment to break even

$2,320,350 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$13,765
Cap Rate
0.79%
Cash-on-Cash
-30.17%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$19,719
Price-to-Rent

Lower = better for investors

24.5

* Modelled at 20% down, 7.36% 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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CCashflow−$12,546/mo