4474 T. Street
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4474 T. Street

Btop 30%

San Diego, CA 92113

$769,000
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

15 licensed short-term rentals within ½ mile (7 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,876/mo full cashflow at 20% down, 7.36% rate.

Works at $392,581 (49% under asking), or at 75% down.

Rent $3,897/mo from 23 leases of 3–5 bed houses within 2 mi ($3,896–$4,457).

Beds

4

Baths

2

Sqft

1,720

Year Built

1970

Days on Market

58

Property Type

Single Family

HOA/mo

N/A

MLS ID

260022632SD

This property is in San Diego (92113). Browse neighborhood analytics →

Virtual Tour

About This Property

1720 square feet of spacious family-sized home welcomes you in the minute you open the door! Thoughtfully completed additions and modifications have enhanced the original floor plan, creating a functional layout with room for everyone. Tax records reflect the home's original square footage. The converted garage adds family-room space and includes a closet for the washer and dryer. The large kitchen offers ample counter space and room for a dining table. Outside, an expansive covered patio is ideal for large gatherings, with plenty of space to play. The front yard features low-maintenance turf. The rooftop solar panels help reduce utility costs. (Permits on modifications are unknown.) Monthly solar payments are $101. Installed on 7/12/2022 and balance is $21,473 Please note that photos show the images without furnishings as well as the virtual furnishings. Buyer to verify all information and measurements. While the additions have been done in a workman like manner, the permits are not known and as such the square footage on TAX records reflect the original homes footprint. Seller may be willing to pay off solar system with the right offer OR buyer to to take over payments on the solar panel plan. Seller will consider Buyer Concessions.

Mortgage Calculator

Est. Monthly Payment

$5,236

Principal & Interest$4,243
Property Tax$769
Insurance$224
%($153,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Porter Elementary · grades PK-6 · San Diego Unified

  • Middle

    Knox Middle · grades 6-8 · San Diego Unified

  • High

    Lincoln 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

47B
Est. Monthly Rent
$3,897

23 leases of 3–5 bed houses within 2 mi · $3,896–$4,457

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,339
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,876

What would make this work?

$2,876/mo short at 20% down; 75% down or +$3,735/mo rent closes it.

Break-even price

49% under asking

$392,581
Break-even rent

$3,735/mo above the estimate

$7,632/mo
Cashflow at 35% down
−$2,080/mo
Down payment to break even

$576,750 cash

75%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,243
Cap Rate
2.44%
Cash-on-Cash
-22.44%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$18,740
Price-to-Rent

Lower = better for investors

16.4

* Modelled at 20% down, 7.36% 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.

Open Full Calculator
BCashflow−$2,876/mo