
4235 Bernadine Pl
Ctop 80%San Diego, CA 92115
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 (1 whole home), from the cities' license and permit lists of Nov 3, 2026.
Pass at asking: -$3,542/mo full cashflow at 20% down, 7.49% rate.
Works at $369,847 (55% under asking), or at 82% down.
Rent $3,705/mo from 14 leases of 2–4 bed houses within 1 mi ($3,520–$4,255).
Beds
3
Baths
1
Sqft
1,252
Year Built
1954
Days on Market
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
260022030SD
This property is in San Diego (92115). View neighborhood stats →
About This Property
This meticulously maintained El Cerrito residence offers a truly turn-key experience, defined by extensive upgrades completed in 2022. Every detail has been addressed to ensure a seamless move-in, from the full interior and exterior repainted to the installation of new gutters and a solar roof fan. The home’s infrastructure features a new HVAC system for year-round climate control and Nest thermostat, along with updated electrical switches, outlets, lighting, and hardware throughout. Modern conveniences abound, including a newer microwave and washer, plus a refreshed bathroom. This home has a great flow, plenty of natural light, and an airy atmosphere with plenty of storage. You’re perfectly positioned in this friendly neighborhood to enjoy the vibrant energy of El Cerrito. You’re just minutes away from shopping, local favorites, eclectic dining, and the unique charm that makes this community so sought-after. The commitment to quality continued with enhancements in 2024, including a newly installed electric sub-panel in the garage. Seller has made over $50K in improvements including new HVAC, painting inside and exterior, electrical upgrades to panel, switches, lighting and fixtures, hardware, and so much more.
Mortgage Calculator
Est. Monthly Payment
$5,703
Location
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Zoned Schools
Elementary
Fay Elementary · grades PK-5 · San Diego Unified
Middle
Mann Middle · grades 6-8 · San Diego Unified
High
Crawford 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.
Comparable Properties
5 comps foundThis Property
$3,705
Comp Average
$3,913
3935 Gayle
3bd / 2ba · 1,273 sqft · Single Family
$750K
Est. $4,054/mo
6220 Streamview Dr
3bd / 1ba · 1,220 sqft · Single Family
$750K
Est. $4,021/mo
2463 Rancho Drive
3bd / 2ba · 1,185 sqft · Single Family
$720K
Est. $3,590/mo
6031 Meade Ave
3bd / 1.5ba · 1,288 sqft · Single Family
$849K
Est. $4,019/mo

4667 60th Street
3bd / 2ba · 1,278 sqft · Single Family
$1.10M
Est. $3,880/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 2–4 bed houses within 1 mi · $3,520–$4,255
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,542/mo short at 20% down; 82% down or +$4,600/mo rent closes it.
- Break-even price
- $369,847
- Break-even rent
- $8,305/mo
- Cashflow at 35% down
- −$2,673/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
55% under asking
$4,600/mo above the estimate
$679,780 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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