4495 Cather Ave
Ctop 80%San Diego, CA 92122
One license per person in San Diego: whether you can hold it depends on you, not only the home.
24 licensed short-term rentals within ½ mile (10 whole home), from the cities' license and permit lists of Nov 3, 2026.
Pass at asking: -$11,490/mo full cashflow at 20% down, 7.49% rate.
Works at $609,316 (71% under asking), or at 99% down.
Rent $6,104/mo from 11 leases of 2–4 bed houses within 1 mi ($6,745–$7,289).
Beds
3
Baths
3.5
Sqft
3,058
Year Built
2005
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026195SD
This property is in San Diego (92122). View neighborhood stats →
About This Property
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
$14,441
Location
Loading map...
Zoned Schools
Elementary
Curie Elementary · grades K-5 · San Diego Unified
Middle
Standley Middle · grades 6-8 · San Diego Unified
High
University City 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
$6,104
Comp Average
$6,445
7079 Enders Avenue
5bd / 3ba · 2,400 sqft · Single Family
$1.70M
Est. $6,698/mo
3345 Stadium Ct
3bd / 2ba · 1,786 sqft · Single Family
$1.79M
Est. $6,041/mo
2719 Schenley Terrace
4bd / 3ba · 2,464 sqft · Single Family
$2.10M
Est. $6,688/mo
2716 Nansen Avenue
3bd / 2ba · 1,664 sqft · Single Family
$1.75M
Est. $5,520/mo
5441 Curie Way
4bd / 3ba · 2,636 sqft · Single Family
$2.40M
Est. $7,277/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 2–4 bed houses within 1 mi · $6,745–$7,289
Blended 50/50 with the zip's market median ($5,141)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,490/mo short at 20% down; 99% down or +$14,922/mo rent closes it.
- Break-even price
- $609,316
- Break-even rent
- $21,026/mo
- Cashflow at 35% down
- −$9,290/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$14,922/mo above the estimate
$2,078,010 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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