4455 41st St
Ctop 80%San Diego, CA 92116
68 licensed short-term rentals within ½ mile (38 whole home), from the cities' license and permit lists of Nov 11, 2026.
None of the 1 homes on this home's recorded tract 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: -$3,630/mo full cashflow at 20% down, 7.43% rate.
Works at $306,330 (61% under asking), or at 88% down.
Rent $3,420/mo from 9 leases of 2-bed houses within 1 mi ($3,170–$3,751).
Beds
2
Baths
1
Sqft
834
Year Built
1936
Days on Market
181
Property Type
Single Family
HOA/mo
$281
MLS ID
260011603SD
This property is in San Diego (92116). View neighborhood stats →
About This Property
1942 Kensington DETACHED condo with private garage storage. Walking distance from many Kensington Village restaurants and shops. This cute cottage style home has been tastefully re-done. Custom paint throughout, granite counter tops in the galley styled kitchen, stainless steel appliances, Mini split air-condition / heating in the living room and each bedroom. Custom crown molding throughout, original hardwood floors and lots of closet space. The dark-stained hardwood floors are in immaculate shape and offer a great contrast with the custom paint colors. Large gas fireplace and beautiful coved ceiling in living room.
Mortgage Calculator
Est. Monthly Payment
$5,615
Location
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Zoned Schools
Elementary
Franklin Elementary · grades K-5 · San Diego Unified
Middle
Lewis Middle · grades 6-8 · San Diego Unified
or Wilson Middle · grades 6-8 · San Diego Unified
Choice area: the district lets families here pick either school.
High
Henry High · grades 9-12 · San Diego Unified
or Hoover High · grades 9-12 · San Diego Unified
Choice area: the district lets families here pick either school.
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
4 comps foundThis Property
$3,420
Comp Average
$3,367
4565 39th St
2bd / 1ba · 803 sqft · Single Family
$799K
Est. $3,063/mo
4797 Wilson Ave.
2bd / 2ba · 916 sqft · Single Family
$1.05M
Est. $3,877/mo
2861 Copley
2bd / 1ba · 720 sqft · Single Family
$990K
Est. $3,130/mo
3579 Madison Ave
3bd / 1.5ba · 880 sqft · Single Family
$1.10M
Est. $3,396/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 2-bed houses within 1 mi · $3,170–$3,751
Blended 50/50 with the zip's market median ($3,448)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,630/mo short at 20% down; 88% down or +$4,715/mo rent closes it.
- Break-even price
- $306,330
- Break-even rent
- $8,135/mo
- Cashflow at 35% down
- −$2,819/mo
- Down payment to break even
- 88%
- Rate to break even
- Not reachable
61% under asking
$4,715/mo above the estimate
$685,520 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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