4807 Campanile Drive
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4807 Campanile Drive

Ctop 80%

San Diego, CA 92115

$1,095,000
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.

29 licensed short-term rentals within ½ mile (19 whole home), from the cities' license and permit lists of Nov 1, 2026.

Pass at asking: -$4,506/mo full cashflow at 20% down, 7.49% rate.

Works at $510,717 (53% under asking), or at 79% down.

Rent $5,116/mo from 20 leases of 3–5 bed houses within 1 mi ($4,785–$5,452).

Beds

4

Baths

2

Sqft

2,087

Year Built

1965

Days on Market

44

Property Type

Single Family

HOA/mo

N/A

MLS ID

260022725SD

This property is in San Diego (92115). View neighborhood stats →

Virtual Tour

About This Property

Seller will entertain offers between $1,075,000. - $1,095,000. This spacious 4-bedroom, 2-bathroom two-story home is perfectly positioned for maximum convenience. The layout offers excellent flexibility with 2 bedrooms downstairs, 2 upstairs, and ample vehicle accommodation via a 2-car garage plus a 2-car driveway. Don't miss out on this great home.

Mortgage Calculator

Est. Monthly Payment

$7,533

Principal & Interest$6,119
Property Tax$1,095
Insurance$319
%($219,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Hardy Elementary · grades K-5 · San Diego Unified

  • Middle

    Lewis Middle · grades 6-8 · San Diego Unified

  • High

    Henry 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.

Investment Score

26C
Est. Monthly Rent
$5,116

20 leases of 3–5 bed houses within 1 mi · $4,785–$5,452

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,417
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,506

What would make this work?

$4,506/mo short at 20% down; 79% down or +$5,852/mo rent closes it.

Break-even price

53% under asking

$510,717
Break-even rent

$5,852/mo above the estimate

$10,968/mo
Cashflow at 35% down
−$3,359/mo
Down payment to break even

$865,050 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,119
Cap Rate
2.05%
Cash-on-Cash
-24.69%
DSCR

Need ≥ 1.25 for DSCR loan

0.68

NOI (Annual)
$22,423
Price-to-Rent

Lower = better for investors

17.8

* 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−$4,506/mo