
4474 T. Street
Btop 30%San Diego, CA 92113
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$3,897
Comp Average
$3,601
3976 Florence Street
3bd / 2ba · 1,472 sqft · Single Family
$699K
Est. $3,706/mo
3585 Acacia Street
4bd / 3ba · 1,453 sqft · Single Family
$760K
Est. $3,644/mo
4952 Ocean View Blvd
3bd / 3ba · 1,479 sqft · Single Family
$756K
Est. $3,658/mo
4964 Ocean View Blvd.
3bd / 3ba · 1,479 sqft · Single Family
$730K
Est. $3,499/mo
4966 Ocean View Boulevard
3bd / 3ba · 1,479 sqft · Single Family
$730K
Est. $3,499/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
23 leases of 3–5 bed houses within 2 mi · $3,896–$4,457
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,876/mo short at 20% down; 75% down or +$3,735/mo rent closes it.
- Break-even price
- $392,581
- Break-even rent
- $7,632/mo
- Cashflow at 35% down
- −$2,080/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$3,735/mo above the estimate
$576,750 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
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