4435 Del Monte
Ctop 80%San Diego, CA 92107
One license per person in San Diego: whether you can hold it depends on you, not only the home.
108 licensed short-term rentals within ½ mile (57 whole home), from the cities' license and permit lists of Nov 8, 2026.
Pass at asking: -$14,751/mo full cashflow at 20% down, 7.43% rate.
Works at $774,350 (71% under asking), or at 99% down.
Rent $7,724/mo from 11 leases of 3–5 bed houses within 1 mi ($7,309–$8,186).
Beds
4
Baths
4
Sqft
2,548
Year Built
1947
Days on Market
—
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026651SD
This property is in San Diego (92107). View neighborhood stats →
About This Property
Rare opportunity in Point Loma Heights -- a fully reimagined four-bedroom, three-and-a-half-bath home with stunning ocean and bay views from the primary suite. Completely renovated down to the studs, this home features a brand-new floor plan, new roof, plumbing, electrical, HVAC system, water heater, insulation, flooring, exterior stucco and siding, and more. Thoughtfully designed for family living, it offers a spacious laundry room and a walk-in pantry. The full 7,000-square-foot lot is a true blank canvas. Renderings are available showing what the backyard can become -- a sparkling pool, a built-in outdoor kitchen and entertaining space, or an ADU for guests, extended family, or rental income. However you envision it, the lot has the room to make it happen. Located on a cul-de-sac street with no through traffic, Del Monte is one of the neighborhood's most desirable, family-friendly streets. Nothing to do but move in and enjoy the coastal lifestyle!
Mortgage Calculator
Est. Monthly Payment
$18,453
Location
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Zoned Schools
Elementary
Silver Gate Elementary · grades K-4 · San Diego Unified
Middle
Correia Middle · grades 7-8 · San Diego Unified
High
Point Loma 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
$7,724
Comp Average
$7,382
1261 Catalina
4bd / 2.5ba · 2,726 sqft · Single Family
$2.35M
Est. $7,729/mo
1419 Catalina Boulevard
4bd / 3ba · 2,839 sqft · Single Family
$2.40M
Est. $7,935/mo
4554 Narragansett Avenue
4bd / 3.5ba · 2,261 sqft · Single Family
$2.40M
Est. $6,964/mo
4359 Osprey St
4bd / 3ba · 2,377 sqft · Single Family
$2.85M
Est. $7,234/mo
4535 Coronado
4bd / 3ba · 2,009 sqft · Single Family
$2.70M
Est. $7,050/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 3–5 bed houses within 1 mi · $7,309–$8,186
Blended 50/50 with the zip's market median ($7,957)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,751/mo short at 20% down; 99% down or +$19,157/mo rent closes it.
- Break-even price
- $774,350
- Break-even rent
- $26,881/mo
- Cashflow at 35% down
- −$11,944/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$19,157/mo above the estimate
$2,668,050 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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