4495 Cather Ave

4495 Cather Ave

D

San Diego, CA 92122

$2,390,000

Soft Appraisal Value: $2,312,400 · 3.4% above estimate

Beds

3

Baths

3.5

Sqft

3,058

Year Built

2005

Days on Market

31

Property Type

Single Family

HOA/mo

N/A

MLS ID

260005190SD

Description

Custom 2005-built home in the desirable University City community. Exceptional craftsmanship and detail with travertine flooring throughout. Inviting courtyard opens to a grand turret entry and spacious living areas. Living room connects to a home office and formal dining with built-in buffet and wine fridge. Gourmet kitchen offers Thermador appliances, dual ovens, two dishwashers, warming drawer, walk-in pantry, and large island adjoining family room with fireplace, built-ins, and surround sound.

Mortgage Calculator

Est. Monthly Payment

$15,172

Principal & Interest$12,085
Property Tax$2,390
Insurance$697
%($478,000)
%

Investment Score

1D
Est. Monthly Rent
$7,034
Monthly Cashflow

Rent − PITIA

$-8,138
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,748

Mortgage (P+I)
$12,085
Cap Rate
0.17%
Cash-on-Cash
-29.49%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$22,291

NOI (Annual)
$4,050
Price-to-Rent

Lower = better for investors

28.3

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

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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