3646 Copley Ave
Ctop 80%San Diego, CA 92116
One license per person in San Diego: whether you can hold it depends on you, not only the home.
62 licensed short-term rentals within ½ mile (29 whole home), from the cities' license and permit lists of Nov 5, 2026.
Pass at asking: -$7,717/mo full cashflow at 20% down, 7.49% rate.
Works at $498,598 (67% under asking), or at 94% down.
Rent $4,994/mo from 10 leases of 2–4 bed houses within 1 mi ($4,571–$5,292).
Beds
3
Baths
2
Sqft
1,675
Year Built
1949
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026334SD
This property is in San Diego (92116). View neighborhood stats →
About This Property
A Mid-Century Modern gem in the heart of Normal Heights, made for indoor-outdoor living. A wall of glass doors opens the living room to a covered patio with an outdoor fireplace, and a beverage refrigerator, ready for year-round entertaining. Inside, an open, light-filled layout with wood floors flows from living to dining to an updated kitchen with quartz counters, double ovens, a cooktop, a skylight and a cozy breakfast nook. Set on a roughly quarter-acre lot on a quiet street, the home offers generous space and real privacy, with private decks overlooking the canyon. Owned solar with battery storage adds efficiency and peace of mind. A flexible front room works well as a den, office or guest space. Lovingly maintained by its longtime owners, just blocks from the restaurants, coffee shops and boutiques of Adams Avenue.
Mortgage Calculator
Est. Monthly Payment
$10,313
Location
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Zoned Schools
Elementary
Adams Elementary · grades K-5 · San Diego Unified
Middle
Wilson Middle · grades 6-8 · San Diego Unified
High
Hoover 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
$4,994
Comp Average
$4,887
4420 38th St
4bd / 4ba · 1,878 sqft · Single Family
$1.30M
Est. $5,184/mo
4901 34th Street
4bd / 3ba · 1,602 sqft · Single Family
$1.40M
Est. $4,948/mo
4632 Talmadge Drive
3bd / 3ba · 1,869 sqft · Single Family
$1.60M
Est. $4,717/mo
4391 Middlesex
3bd / 3ba · 1,841 sqft · Single Family
$1.90M
Est. $4,847/mo
5151 Hastings Road
3bd / 2ba · 1,538 sqft · Single Family
$1.85M
Est. $4,739/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 2–4 bed houses within 1 mi · $4,571–$5,292
Blended 50/50 with the zip's market median ($4,905)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,717/mo short at 20% down; 94% down or +$10,022/mo rent closes it.
- Break-even price
- $498,598
- Break-even rent
- $15,016/mo
- Cashflow at 35% down
- −$6,146/mo
- Down payment to break even
- 94%
- Rate to break even
- Not reachable
67% under asking
$10,022/mo above the estimate
$1,409,060 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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