4367 Berwick San Diego

4367 Berwick San Diego

D

, CA 92117

$1,325,000

Beds

4

Baths

3

Sqft

1,886

Year Built

1966

Days on Market

25

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003028SD

Description

ASSUMABLE VA LOAN 2.875% RATE … Beautiful single-story home with paid-off solar and a fully equipped attached PERMITTED ADU! The main house offers 3 bedrooms and 2 bathrooms with an open, inviting floor plan and tasteful upgrades throughout. The kitchen features granite countertops, stainless steel appliances, a professional-grade vent hood, bar-height counter, and plenty of natural light. Hardwood and laminate flooring extend throughout, complemented by skylights and recessed lighting for a bright interior. The ADU includes 1 bedroom, 1 bath, a full kitchen, laundry, and its own gated entrance, making it perfect for guests, multigenerational living, or added rental income. Both units are currently active short-term rentals with solid booking histories and excellent reviews. The permitted covered patio extends the roofline, creating a perfect year-round entertaining space. The backyard features turf and pavers with separate fenced yards for each unit and no neighbors to the rear for added privacy. Additional highlights include air conditioning in both units, a 2-car garage with direct kitchen access, a fully fenced lot with vinyl and black fencing, and no HOA or Mello Roos. Ideally located just off the 805 at Balboa, within 10 miles of five Level 1 trauma centers, 5.5 miles to Pacific Beach and Mission Bay, 3 miles to SeaWorld, 5 miles to the airport, and 2 miles to USD and Mesa College. Bright, clean, upgraded, and move-in ready—this home offers flexibility, comfort, and unbeatable convenience in the heart of San Diego.

Mortgage Calculator

Est. Monthly Payment

$8,411

Principal & Interest$6,700
Property Tax$1,325
Insurance$386
%($265,000)
%

Investment Score

4D
Est. Monthly Rent

Market Rent Estimate

$4,733
Monthly Cashflow

Rent − PITI − HOA

$-3,678
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,871

Mortgage (P+I)
$6,700
Cap Rate
0.75%
Cash-on-Cash
-16.65%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.71
Break-even Rent
$8,411

NOI (Annual)
$9,951
Price-to-Rent

Lower = better for investors

23.3

* Defaults: 20% down, 6.5% rate, 30yr.

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