4531 Lisann St

4531 Lisann St

Ctop 80%

San Diego, CA 92117

$1,649,000
NEW — 0d

Pass at asking: -$7,454/mo full cashflow at 20% down, 7.43% rate.

Works at $678,408 (59% under asking), or at 86% down.

Rent $6,767/mo from 19 leases of 3–5 bed houses within 1 mi ($6,092–$10,480).

Beds

4

Baths

3

Sqft

2,378

Year Built

2011

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026735SD

This property is in San Diego (92117). View neighborhood stats →

About This Property

Set on a quiet cul-de-sac in the highly sought-after Bay Ho neighborhood, this beautifully designed 2011-built residence offers an exceptional blend of space, versatility, and seamless indoor-outdoor living with the natural beauty and privacy of a canyon setting. Soaring vaulted ceilings & abundant natural light accentuate the expansive open floor plan, while rich wood & etched-glass entry doors, natural stone tile flooring, a striking tiled fireplace, and warm wood cabinetry create an inviting atmosphere. The spacious kitchen is designed for both everyday living & entertaining, featuring granite countertops, a custom tile backsplash, stainless steel appliances, gas cooking, generous cabinetry & an oversized island with breakfast-bar seating and built-in wine storage. Two sliding glass doors open to an expansive backyard with a covered patio, offering an ideal setting for outdoor dining, entertaining, or simply enjoying the peaceful canyon surroundings. Central air conditioning and heating provide year-round comfort. Thoughtfully designed for flexibility & privacy, the home features two primary suites, including a main-level retreat with direct backyard access, a walk-in closet, and an ensuite bath with a custom-tiled walk-in shower. Two additional spacious bedrooms & an updated full bath complete the first floor. Upstairs, an impressive second primary suite offers an exceptional private retreat with vaulted ceilings, an ensuite bath featuring a jetted soaking tub & separate shower, abundant storage, and a private northwest-facing balcony showcasing colorful sunset skies. A generous secondary living area with its own kitchenette further enhances the versatility of this remarkable space, ideal for multigenerational living, extended guests, or a private work-from-home sanctuary. This versatile space is ideal for extended family, guests, a private office, fitness or yoga studio, or simply an additional place to relax and unwind. Sliding doors open to an expansive 22.5' x 18' tiled rear balcony overlooking the backyard and peaceful canyon greenery, creating yet another inviting outdoor living space. With two primary suites, multiple living and entertaining areas, and a wonderfully private setting, this distinctive Bay Ho home offers a rare combination of space and versatility, just minutes from shopping, dining, convenient freeway access, and San Diego's world-renowned beaches and bays.

Mortgage Calculator

Est. Monthly Payment

$11,291

Principal & Interest$9,161
Property Tax$1,649
Insurance$481
%($329,800)
%
Loan Term

Location

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Investment Score

15C
Est. Monthly Rent
$6,767

19 leases of 3–5 bed houses within 1 mi · $6,092–$10,480

Blended 50/50 with the zip's market median ($5,767)

Monthly Cashflow

Rent − PITIA

-$4,524
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,454

What would make this work?

$7,454/mo short at 20% down; 86% down or +$9,681/mo rent closes it.

Break-even price

59% under asking

$678,408
Break-even rent

$9,681/mo above the estimate

$16,448/mo
Cashflow at 35% down
−$5,737/mo
Down payment to break even

$1,418,140 cash

86%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,161
Cap Rate
1.49%
Cash-on-Cash
-27.12%
DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)
$24,537
Price-to-Rent

Lower = better for investors

20.3

* 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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CCashflow−$7,454/mo