3690 Moultrie
Ctop 80%San Diego, CA 92117
One license per person in San Diego: whether you can hold it depends on you, not only the home.
47 licensed short-term rentals within ½ mile (28 whole home), from the cities' license and permit lists of Nov 11, 2026.
Pass at asking: -$9,789/mo full cashflow at 20% down, 7.43% rate.
Works at $625,445 (67% under asking), or at 95% down.
Rent $6,238/mo from 18 leases of 4-bed houses within 2 mi ($5,266–$8,477).
Beds
4
Baths
3
Sqft
2,058
Year Built
1960
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026748SD
This property is in San Diego (92117). View neighborhood stats →
About This Property
Beautifully remodeled and ideally situated in the highly desirable Bay Park neighborhood, this exceptional home offers breathtaking, sit-down views of the Bay and Ocean. Thoughtfully upgraded throughout, the property features extensive permitted improvements, including the addition of a fourth bedroom, a fully remodeled kitchen, beautifully updated bathrooms, and new flooring throughout. The lower level has been transformed into a private, versatile living space with excellent potential for an ADU, complete with a separate exterior entrance, kitchenette, en-suite bedroom, and full bathroom. Ideal for multi-generational living, extended guests, or potential rental income, this flexible layout offers endless possibilities. Combining modern upgrades, incredible coastal views, and a prime Bay Park location, this is a rare opportunity to enjoy the best of San Diego living!
Mortgage Calculator
Est. Monthly Payment
$13,009
Location
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Zoned Schools
Elementary
Toler Elementary · grades PK-5 · San Diego Unified
Middle
Marston Middle · grades 6-8 · San Diego Unified
High
Clairemont 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
$6,238
Comp Average
$6,091
4643 Firestone St.
4bd / 3ba · 2,153 sqft · Single Family
$1.30M
Est. $6,245/mo
4714 Mount Harris Dr.
4bd / 2.5ba · 2,015 sqft · Single Family
$1.46M
Est. $6,222/mo
4516 Jamestown
4bd / 3ba · 2,097 sqft · Single Family
$1.50M
Est. $5,355/mo
4636 Iroquois Ave
5bd / 3ba · 1,922 sqft · Single Family
$1.90M
Est. $6,190/mo
3547 Brandywine Street
4bd / 3.5ba · 2,116 sqft · Single Family
$2.00M
Est. $6,443/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
18 leases of 4-bed houses within 2 mi · $5,266–$8,477
Blended 50/50 with the zip's market median ($5,767)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$9,789/mo short at 20% down; 95% down or +$12,713/mo rent closes it.
- Break-even price
- $625,445
- Break-even rent
- $18,951/mo
- Cashflow at 35% down
- −$7,810/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
67% under asking
$12,713/mo above the estimate
$1,805,000 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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