4134 Stephens St
Dbottom 20%San Diego, CA 92103
One license per person in San Diego: whether you can hold it depends on you, not only the home.
45 licensed short-term rentals within ½ mile (23 whole home), from the cities' license and permit lists of Nov 14, 2026.
Pass at asking: -$8,821/mo full cashflow at 20% down, 7.36% rate.
Works at $415,753 (74% under asking); even all cash loses money at asking.
Rent $4,126/mo from 17 leases of 1–3 bed houses within 1 mi, same school area ($3,545–$4,642).
Beds
2
Baths
1
Sqft
990
Year Built
1943
Days on Market
1
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027021SD
This property is in San Diego (92103). View neighborhood stats →
About This Property
Tucked into the heart of Mission Hills, this picture-perfect Craftsman bungalow pairs timeless architectural character with an inviting, effortlessly livable floor plan. Welcoming exterior sets the tone for interior filled with warmth and character. Open living area showcases hardwood floors and original period built-ins. The well-appointed kitchen offers abundant storage, while the adjacent laundry room adds everyday convenience. Beyond the living spaces, the home opens to a generously sized backyard and patio, creating a private setting for outdoor dining, entertaining, and gardening. The detached garage is currently configured as a versatile office and gym.
Mortgage Calculator
Est. Monthly Payment
$10,690
Location
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Zoned Schools
Elementary
Grant K-8 · grades K-8 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
or Roosevelt International Middle · grades 6-8 · San Diego Unified
Choice area: the district lets families here pick either school.
High
San Diego High · grades 9-12 · San Diego Unified
or Point Loma High · grades 9-12 · San Diego Unified
Choice area: the district lets families here pick either school.
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
$4,126
Comp Average
$4,534
4171 1st Ave
3bd / 2ba · 1,197 sqft · Single Family
$1.30M
Est. $4,686/mo
912 Bush Street
2bd / 2ba · 1,153 sqft · Single Family
$1.40M
Est. $4,360/mo
4042 1st Avenue
3bd / 1ba · 1,129 sqft · Single Family
$1.55M
Est. $4,521/mo
3635 Kite
3bd / 1.5ba · 1,162 sqft · Single Family
$1.59M
Est. $4,438/mo
2172 Pine St
3bd / 2ba · 1,200 sqft · Single Family
$1.79M
Est. $4,665/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
17 leases of 1–3 bed houses within 1 mi, same school area · $3,545–$4,642
Blended 50/50 with the zip's market median ($4,055)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$8,821/mo short at 20% down; +$11,456/mo rent closes it.
- Break-even price
- $415,753
- Break-even rent
- $15,582/mo
- Cashflow at 35% down
- −$7,197/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
74% under asking
$11,456/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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