4186 Hilldale Road
Dbottom 20%San Diego, CA 92116
One license per person in San Diego: whether you can hold it depends on you, not only the home.
13 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 9, 2026.
Pass at asking: -$11,614/mo full cashflow at 20% down, 7.43% rate.
Works at $587,854 (72% under asking), or at all cash.
Rent $5,863/mo from 18 leases of 3–5 bed houses within 2 mi ($5,124–$6,095).
Beds
4
Baths
3
Sqft
2,587
Year Built
1927
Days on Market
47
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023326SD
This property is in San Diego (92116). View neighborhood stats →
About This Property
Situated in an exceptional location in the heart of Kensington Heights, this 1927 Spanish-style home is elevated above the street, offering timeless character, with a spacious indoor-outdoor layout. Set on a generous lot, the home blends classic architectural details with comfortable everyday living. A covered front porch with panoramic views, welcomes you inside to original hardwood floors, arched openings, exposed wood beams, and a beautiful fireplace that anchors the main living room. The spacious kitchen offers abundant cabinetry and flows effortlessly into the adjoining dining and entertaining areas. The main-level primary suite features a large, dual-entrance walk-in closet, an updated bathroom, and direct backyard access. Upstairs features an expansive living area with two bedrooms, a full bath, and large bonus room with a kitchenette—creating a flexible space that offers rare independence and privacy for adult children, extended family, or long-term guests. Outside, the private backyard is built for enjoying San Diego’s year-round weather, showcasing a large, covered patio, mature landscaping, multiple seating areas, and a Spanish-style fountain as its centerpiece. Plantation shutters throughout and a detached two-car garage complete this unique property. Located just minutes from Kensington village's popular restaurants, boutiques, and tree-lined streets, you will enjoy a vibrant community atmosphere with convenient access to Normal Heights, North Park, Mission Valley and everything central San Diego has to offer.
Mortgage Calculator
Est. Monthly Payment
$14,379
Location
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Zoned Schools
Elementary
Franklin Elementary · grades K-5 · San Diego Unified
Middle
Lewis Middle · grades 6-8 · San Diego Unified
or Wilson Middle · grades 6-8 · San Diego Unified
Choice area: the district lets families here pick either school.
High
Henry High · grades 9-12 · San Diego Unified
or Hoover 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
$5,863
Comp Average
$5,714
3535 Eugene Place
3bd / 2.5ba · 2,448 sqft · Single Family
$1.58M
Est. $5,366/mo
4866 Sussex
3bd / 2.5ba · 2,268 sqft · Single Family
$2.00M
Est. $5,415/mo
2942 Copley Ave
5bd / 4ba · 2,374 sqft · Single Family
$1.99M
Est. $5,418/mo
4664 Biona Dr
3bd / 3.5ba · 1,953 sqft · Single Family
$2.33M
Est. $5,797/mo
4675 Talmadge Dr
4bd / 3.5ba · 3,329 sqft · Single Family
$3.35M
Est. $6,575/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
18 leases of 3–5 bed houses within 2 mi · $5,124–$6,095
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,614/mo short at 20% down; 100% down or +$15,083/mo rent closes it.
- Break-even price
- $587,854
- Break-even rent
- $20,946/mo
- Cashflow at 35% down
- −$9,426/mo
- Down payment to break even
- 100%
- Rate to break even
- Not reachable
72% under asking
$15,083/mo above the estimate
$2,100,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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