3975 Hortensia St

3975 Hortensia St #E7

D

San Diego, CA 92110

$650,000

Soft Appraisal Value: $648,700 · 0.2% above estimate

Beds

2

Baths

2

Sqft

780

Year Built

1987

Days on Market

9

Property Type

Condo

HOA/mo

$570

MLS ID

260006673SD

Description

This updated 2-bedroom, 2-bath condo may be eligible for an assumable VA loan at 2.75% for qualified buyers, subject to lender and VA approval. You may also qualify for up to $40,000 in grant funds through approved lending programs; eligibility, terms, and availability vary.Located in the gated Terraces at Mission Hills between Old Town and Mission Hills, this hillside home features a bright open layout with quartz countertops, white shaker cabinets, new flooring, a cozy fireplace, and in-unit laundry. Each bedroom has its own bathroom, giving you privacy and flexibility — perfect for roommates, guests, or a work-from-home setup. The primary suite & living room opens to a private patio with west-facing views of the city, bay, airport, and Point Loma, with sunsets that truly stand out.Enjoy community amenities including a pool, spa, elevator, covered tandem parking, private storage, and a secure, pet-friendly environment — all just minutes from shops, dining, the trolley, downtown, Balboa Park, and the beach.

Mortgage Calculator

Est. Monthly Payment

$4,696

Principal & Interest$3,287
Property Tax$650
Insurance$190
HOA$570
%($130,000)
%

Investment Score

2D
Est. Monthly Rent
$2,912
Monthly Cashflow

Rent − PITI − HOA

$-1,785
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,996

Mortgage (P+I)
$3,287
Cap Rate
0.54%
Cash-on-Cash
-27.66%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.62
Break-even Rent
$6,803

NOI (Annual)
$3,487
Price-to-Rent

Lower = better for investors

18.6

* 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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