4290 Kendall Street
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4290 Kendall Street

Ctop 80%

San Diego, CA 92109

$1,050,000
NEW — 1d
STR: check · no permits in this complex · TOT 12.75%

253 licensed short-term rentals within ½ mile (190 whole home), from the cities' license and permit lists of Nov 6, 2026.

No unit in this 8-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$5,225/mo full cashflow at 20% down, 7.43% rate.

Works at $369,705 (65% under asking), or at 92% down.

Rent $4,358/mo from 12 leases of 2-bed condos & townhomes within 0.5 mi ($4,170–$5,586).

Beds

2

Baths

2.5

Sqft

1,376

Year Built

1980

Days on Market

1

Property Type

Townhouse

HOA/mo

$516

MLS ID

SW26228763

This property is in San Diego (92109). View neighborhood stats →

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About This Property

Location, location, location! Enjoy the best of San Diego's coastal lifestyle in this beautifully appointed 2-bedroom, 2.5-bathroom townhome in the highly coveted Crown Point neighborhood of Pacific Beach! Just minutes from Crown Point Shores, Mission Bay, the beach, parks, and popular dining and entertainment, this ideally located home puts the best of beach living right at your fingertips. Walk, bike, or scooter to nearby attractions, or spend your days enjoying boating, swimming, sailing, paddleboarding, jogging, and all the outdoor recreation that makes this community so special. Inside, you'll find hardwood flooring, granite kitchen countertops, a wine refrigerator, and inviting living spaces designed for comfortable coastal living. Enjoy your morning coffee or unwind with an evening glass of wine on one of THREE private patios. Two fireplaces, including one in the primary bedroom, add warmth and charm, while central air conditioning—a rare and desirable feature in the beach communities- keeps you comfortable year-round! Even better, this home has benefited from numerous recent improvements, including a NEW ROOF and skylight, NEW split-system HVAC, NEW windows and sliding doors, rebuilt balconies, and a NEW water heater, stove, and dishwasher. Additional highlights include a TWO-CAR ATTACHED GARAGE, a gated community of just eight residences, and a shared spa. Surrounded by beautiful homes in one of San Diego's most desirable coastal neighborhoods, this is an incredible opportunity to enjoy the sunshine, recreation, and relaxed atmosphere that make Pacific Beach living so special. Whether you're looking for an active outdoor lifestyle, convenient access to the bay and beach, or simply a place to call home in an unbeatable location, this Crown Point charmer is one you won't want to miss! Come experience the coastal lifestyle for yourself- this is the opportunity you've been waiting for!

Mortgage Calculator

Est. Monthly Payment

$7,705

Principal & Interest$5,833
Property Tax$1,050
Insurance$306
HOA$516
%($210,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Crown Point Elementary · grades PK-5 · San Diego Unified

  • Middle

    Pacific Beach Middle · grades 6-8 · San Diego Unified

  • High

    Mission Bay 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

9C
Est. Monthly Rent
$4,358

12 leases of 2-bed condos & townhomes within 0.5 mi · $4,170–$5,586

Blended 50/50 with the zip's market median ($4,176)

Monthly Cashflow

Rent − PITIA

-$3,347
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,225

What would make this work?

$5,225/mo short at 20% down; 92% down or +$6,785/mo rent closes it.

Break-even price

65% under asking

$369,705
Break-even rent

$6,785/mo above the estimate

$11,143/mo
Cashflow at 35% down
−$4,131/mo
Down payment to break even

$966,000 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,833
Cap Rate
0.94%
Cash-on-Cash
-29.85%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$9,919
Price-to-Rent

Lower = better for investors

20.1

* 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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CCashflow−$5,225/mo