425 Bancroft Street
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425 Bancroft Street

A

San Diego, CA 92102

$849,000

Soft Appraisal Value: $841,300 · 0.9% above estimate

Beds

5

Baths

2.5

Sqft

1,839

Year Built

1970

Days on Market

86

Property Type

Single Family

HOA/mo

N/A

MLS ID

OC25189972

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

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About This Property

Spacious, move-in ready, and delivered with Approved Plans for a Junior ADU - 425 Bancroft offers unique versatility and value. The Approved Plans provide an exciting opportunity to reconfigure the existing layout into a 4 bed, 3 bath, ~1,500 sqft main residence with an attached ~350 sqft 1Bed, 1Bath Junior ADU - perfect for multi-generational living, private rental unit, or income-producing investment. Recent upgrades include a sparkling kitchen, fresh interior paint, and new flooring throughout, while the exterior grounds feature new fencing, a covered patio, and off-alley driveway parking. This property delivers great value now and major upside ahead - with multiple options to create your ideal primary home or maximize its income-producing potential.

Mortgage Calculator

Est. Monthly Payment

$5,390

Principal & Interest$4,293
Property Tax$849
Insurance$248
%($169,800)
%

Location

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Investment Score

67A
Est. Monthly Rent
$5,407
Monthly Cashflow

Rent − PITIA

+$17
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,934

Mortgage (P+I)
$4,293
Cap Rate
3.33%
Cash-on-Cash
-13.67%
DSCR

Need ≥ 1.25 for DSCR loan

1.00
Break-even Rent
$7,919

NOI (Annual)
$28,307
Price-to-Rent

Lower = better for investors

13.1

* 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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