3903 Haines

3903 Haines

D

San Diego, CA 92109

$2,850,000

Beds

5

Baths

5

Sqft

1,967

Year Built

2026

Days on Market

38

Property Type

Triplex

HOA/mo

N/A

MLS ID

NDP2601613

Description

3903 is one of three newly constructed residences within the Crown Point Coastal Collection, a distinct detached coastal offering just 2 ½ blocks from Sail Bay. Designed with exceptional flexibility, the residence includes a fully separate 2-bedroom, 2-bath ADU and a permitted 1-bedroom, 1-bath Sleeping Unit per approved plans. This layout creates three private living environments within one detached structure -ideal for multigenerational living, private guest quarters or additional residential space tailored to the owner's needs. The elevated 2 bedroom, 2-bath primary level is filled with natural light and opens seamlessly to a private outdoor BBQ terrace and rooftop retreat with panoramic views—an indoor-outdoor experience designed for relaxed coastal living and effortless entertaining. Eleven-foot ceilings in the main living areas and nine-foot ceilings below enhance the home’s sense of scale and comfort. Bertazzoni appliances, tile flooring throughout, solid-core doors, clerestory windows, paid solar with Tesla Powerwall, and energy-efficient ductless mini-split climate control reflect the home’s elevated yet practical design. Built by Duncan Custom Homes, architecturally designed by Scot Frontis, AIA, with interiors by Sol Quintana Design, this home pairs thoughtful craftsmanship with the ease of refined beachside living. No HOA. Shared parking and pedestrian access agreement in place. Property taxes will be reassessed upon transfer of ownership. Also available: 3901 Haines MLS# NDP 2601603 and 3905 Haines MLS# NDP2601580.

Mortgage Calculator

Est. Monthly Payment

$18,092

Principal & Interest$14,411
Property Tax$2,850
Insurance$831
%($570,000)
%

Investment Score

0D
Est. Monthly Rent
$7,948
Monthly Cashflow

Rent − PITI − HOA

$-10,144
Full Cashflow

Incl. vacancy, PM, maint, capex

$-14,347

Mortgage (P+I)
$14,411
Cap Rate
0.03%
Cash-on-Cash
-30.20%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.44
Break-even Rent
$26,581

NOI (Annual)
$768
Price-to-Rent

Lower = better for investors

29.9

* 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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