3964 Delta Street
Dbottom 20%San Diego, CA 92113
One license per person in San Diego: whether you can hold it depends on you, not only the home.
This parcel holds a short-term rental license: Tier 2 (home share), through Oct 2027. It doesn’t transfer: a buyer applies for their own.
14 licensed short-term rentals within ½ mile (8 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$6,388/mo full cashflow at 20% down, 7.36% rate.
Works at $314,002 (73% under asking); even all cash loses money at asking.
Rent $3,117/mo from 8 leases of houses within 1 mi, size-adjusted ($2,832–$3,331).
Beds
5
Baths
3
Sqft
928
Year Built
1956
Days on Market
258
Property Type
Single Family
HOA/mo
N/A
MLS ID
PTP2601538
This property is in San Diego (92113). Browse neighborhood analytics →
About This Property
Multi-Unit Opportunity in a Thriving san Diego Neighborhood. Versatile Family Compound perfect for multi-generational living or strong rental income. Live in one unit and rent out the others! Main home offers 3BR/1 Bath, 928 Sq Ft, full of natural light and charm. Attached Junior ADU,230 sq ft features a private entrance, kitchen, and full bath. Detached 1Br/1Bath ADU, 400 sq ft boasts its own front yard, private driveway and rear alley access. Three separate living spaces give you unmatched flexibility. This is a rare chance to own a property with built-in income potential. Paid off SOLAR PANELS. Electric car charger. Don't miss this income producing Gem!
Mortgage Calculator
Est. Monthly Payment
$7,830
Location
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Zoned Schools
Elementary
Balboa Elementary · grades K-5 · San Diego Unified
Middle
Knox Middle · grades 6-8 · San Diego Unified
High
Lincoln 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
$3,117
Comp Average
$3,520
3976 Florence Street
3bd / 2ba · 1,472 sqft · Single Family
$699K
Est. $3,706/mo
3585 Acacia Street
4bd / 3ba · 1,453 sqft · Single Family
$760K
Est. $3,644/mo
4976 Ocean View Boulevard
3bd / 2.5ba · 1,420 sqft · Single Family
$696K
Est. $3,463/mo
4984 Ocean View Boulevard
3bd / 2.5ba · 1,420 sqft · Single Family
$726K
Est. $3,463/mo
4156 Franklin Avenue
4bd / 2ba · 1,158 sqft · Single Family
$760K
Est. $3,325/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of houses within 1 mi, size-adjusted · $2,832–$3,331
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,388/mo short at 20% down; +$8,296/mo rent closes it.
- Break-even price
- $314,002
- Break-even rent
- $11,413/mo
- Cashflow at 35% down
- −$5,198/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
73% under asking
$8,296/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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