4027 C St

4027 C St

Ctop 80%

San Diego, CA 92102

$774,999
NEW — 0d
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

15 licensed short-term rentals within ½ mile (11 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,334/mo full cashflow at 20% down, 7.36% rate.

Works at $338,714 (56% under asking), or at 83% down.

Rent $3,362/mo from 17 leases of 3–5 bed houses within 2 mi ($3,184–$3,630).

Beds

4

Baths

2

Sqft

1,177

Year Built

1999

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026943SD

This property is in San Diego (92102). View neighborhood stats →

About This Property

Four bedrooms, owned solar, RV parking, and an oversized backyard, all in the heart of central San Diego! Tucked away on a quiet cul-de-sac in the centrally located Mt. Hope neighborhood, this beautifully refreshed home offers an inviting blend of comfort, functionality, and convenience. Featuring vaulted ceilings, abundant natural light, and engineered hardwood flooring throughout, the home feels bright, airy, and welcoming from the moment you step inside. The updated kitchen boasts granite countertops and ample cabinetry, while the versatile four-bedroom floor plan provides flexibility for guests, a home office, or evolving lifestyle needs. Outdoor living is a true highlight of this property! An inviting covered front patio overlooks the spacious, low-maintenance front yard, while the oversized backyard offers a private retreat complete with lush turf, mature trees, and a stylish pergola. Whether hosting gatherings, dining al fresco, or simply enjoying San Diego's year-round sunshine, there's no shortage of space to relax and entertain. Additional features include owned solar, a gated driveway, covered carport, RV parking, ample off-street parking, and built-in storage. Recently refreshed with new interior paint and updated light fixtures, this move-in-ready home offers an exceptional opportunity to enjoy the benefits of detached homeownership at an approachable price point. Conveniently located just minutes from downtown San Diego, with easy access to major freeways, shopping, dining, and everything America's Finest City has to offer!

Mortgage Calculator

Est. Monthly Payment

$5,277

Principal & Interest$4,276
Property Tax$775
Insurance$226
%($155,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Chollas/Mead Elementary · grades PK-5 · San Diego Unified

  • Middle

    Millennial Tech 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.

Investment Score

34C
Est. Monthly Rent
$3,362

17 leases of 3–5 bed houses within 2 mi · $3,184–$3,630

Monthly Cashflow

Rent − PITIA

-$1,915
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,334

What would make this work?

$3,334/mo short at 20% down; 83% down or +$4,330/mo rent closes it.

Break-even price

56% under asking

$338,714
Break-even rent

$4,330/mo above the estimate

$7,692/mo
Cashflow at 35% down
−$2,532/mo
Down payment to break even

$643,249 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,276
Cap Rate
1.72%
Cash-on-Cash
-25.81%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$13,320
Price-to-Rent

Lower = better for investors

19.2

* 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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CCashflow−$3,334/mo