4545 Mount Bigelow Drive
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4545 Mount Bigelow Drive

Ctop 80%

San Diego, CA 92111

$1,099,000
NEW — 0d
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.

17 licensed short-term rentals within ½ mile (8 whole home), from the cities' license and permit lists of Nov 5, 2026.

Pass at asking: -$4,494/mo full cashflow at 20% down, 7.49% rate.

Works at $516,361 (53% under asking), or at 79% down.

Rent $5,173/mo from 15 leases of 3–5 bed houses within 1 mi ($4,569–$5,577).

Beds

4

Baths

2

Sqft

1,655

Year Built

1959

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2610018

This property is in San Diego (92111). Browse neighborhood analytics →

Virtual Tour

About This Property

THIS IS THE ONE YOU’VE BEEN WAITING FOR. Offered for the first time in nearly 30 years, this meticulously maintained single-story home on the quiet Mount Streets of Clairemont is a rare family home that checks all the boxes. Inside, 1,655 square feet of single level living delivers 4 bedrooms, 2 bathrooms, granite countertops, a gas fireplace, and two living rooms that give you ample space to spread out and the convenience of an instant hot water heater. Outside, a sparkling pool, attached pergolas, and meticulous landscaping sit on a generous lot with a custom concrete 4-car driveway and NO HOA! A 3.2 kW solar system keeps energy costs low with a fixed $105/month PPA that will not increase. Walkable, near trails, and surrounded by excellent schools, this is the classic Clairemont lifestyle done right: private, well-kept, and ready for the next generation of memories. After three decades with the same owners, opportunities like this don’t come around often. This is the one.

Mortgage Calculator

Est. Monthly Payment

$7,561

Principal & Interest$6,141
Property Tax$1,099
Insurance$321
%($219,800)
%
Loan Term

Location

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Investment Score

26C
Est. Monthly Rent
$5,173

15 leases of 3–5 bed houses within 1 mi · $4,569–$5,577

Blended 50/50 with the zip's market median ($5,343)

Monthly Cashflow

Rent − PITIA

-$2,388
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,494

What would make this work?

$4,494/mo short at 20% down; 79% down or +$5,836/mo rent closes it.

Break-even price

53% under asking

$516,361
Break-even rent

$5,836/mo above the estimate

$11,009/mo
Cashflow at 35% down
−$3,343/mo
Down payment to break even

$868,210 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,141
Cap Rate
2.08%
Cash-on-Cash
-24.54%
DSCR

Need ≥ 1.25 for DSCR loan

0.68

NOI (Annual)
$22,872
Price-to-Rent

Lower = better for investors

17.7

* 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.

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CCashflow−$4,494/mo