4020 Front St
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4020 Front St #3-9

D

San Diego, CA 92103

$1,450,000
NEW — 1d on market

Beds

3

Baths

3

Sqft

1,997

Year Built

1929

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260008843SD

This property is in San Diego (92103). View neighborhood stats →

About This Property

Variance granted for Res Detached. Situated on a desirable street in Mission Hills/Hillcrest, this well-maintained property offers a spacious primary residence with a detached second unit ideal for rental income or guest use. Both units include stand-up attic storage and share a private enclosed yard, plus 2 off-street parking spaces. The main home is a 2BR/2BA, 1,298 sq ft residence featuring hardwood floors, a remodeled kitchen with quartz countertops, updated bathrooms, central heat and air, formal dining room, and a large storage/pantry off the kitchen. Owned solar provides significant energy savings. The 2nd unit is a 1BR/1BA cottage, 699 sq ft cottage with quartz kitchen counters, gas stove, breakfast nook, manufactured wood flooring, and a spacious bedroom with an extended built-in closet. Retro yellow tiled bathroom adds charm. Zoned RM 3-9 on a 5,200 sq ft lot with additional development potential (buyer to verify). Complete Communities Tier 2, Transit Priority Area. Variance granted for Detached. Situated on a desirable street in Mission Hills/Hillcrest, this well-maintained property offers a spacious primary residence with a detached second unit ideal for rental income or guest use. Both units include stand-up attic storage and share a private enclosed yard, plus 2 off-street parking spaces. The main home is a 2BR/2BA, 1,298 sq ft residence featuring hardwood floors, a remodeled kitchen with quartz countertops, updated bathrooms, central heat and air, formal dining room, and a large storage/pantry off the kitchen. Owned solar provides significant energy savings. The 2nd unit is a 1BR/1BA cottage, 699 sq ft cottage with quartz kitchen counters, gas stove, breakfast nook, manufactured wood flooring, and a spacious bedroom with an extended built-in closet. Retro yellow tiled bathroom adds charm. Zoned RM 3-9 on a 5,200 sq ft lot with additional development potential (buyer to verify). Complete Communities Tier 2, Transit Priority Area.

Mortgage Calculator

Est. Monthly Payment

$9,205

Principal & Interest$7,332
Property Tax$1,450
Insurance$423
%($290,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$5,075
Monthly Cashflow

Rent − PITIA

$-4,130
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,506

Mortgage (P+I)
$7,332
Cap Rate
0.68%
Cash-on-Cash
-26.92%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$13,524

NOI (Annual)
$9,917
Price-to-Rent

Lower = better for investors

23.8

* 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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