4835 Academy St
Ctop 80%San Diego, CA 92109
One license per person in San Diego: whether you can hold it depends on you, not only the home.
133 licensed short-term rentals within ½ mile (91 whole home), from the cities' license and permit lists of Nov 11, 2026.
Pass at asking: -$14,321/mo full cashflow at 20% down, 7.43% rate.
Works at $970,371 (66% under asking), or at 93% down.
Rent $9,679/mo from 8 leases of 3–5 bed houses within 0.5 mi ($8,983–$10,668).
Beds
4
Baths
3.5
Sqft
2,929
Year Built
2026
Days on Market
95
Property Type
Single Family
HOA/mo
N/A
MLS ID
260019450SD
This property is in San Diego (92109). View neighborhood stats →
About This Property
Brand-new construction with a refined California coastal aesthetic near Kate Sessions Park. Designed for effortless lock-and-leave living, the home pairs warm natural finishes, wide-plank wood flooring, expansive windows and a striking chef’s kitchen with custom cabinetry, oversized island and integrated appliances. Large sliding doors open the main living space to a substantial covered terrace with built-in ceiling heaters, creating a true indoor-outdoor room that rivals a traditional backyard. Above, the rooftop deck offers another private outdoor retreat with views and space ready for a cold plunge, hot tub and lounge area. Set in a close-knit North PB neighborhood known for its sense of community, this is coastal living that feels both elevated and effortless.
Mortgage Calculator
Est. Monthly Payment
$19,411
Location
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Comparable Properties
5 comps foundThis Property
$9,679
Comp Average
$9,761
853 Sapphire
5bd / 6ba · 2,759 sqft · Single Family
$3.19M
Est. $11,079/mo
4841 Academy St
4bd / 3.5ba · 2,929 sqft · Single Family
$2.80M
Est. $9,205/mo
4801 Academy
5bd / 5.5ba · 2,923 sqft · Single Family
$3.65M
Est. $11,060/mo
3304 Buena Vista Street
4bd / 3ba · 3,057 sqft · Single Family
$3.00M
Est. $9,119/mo
2812 Bayside Walk
4bd / 3.5ba · 3,005 sqft · Single Family
$4.45M
Est. $8,340/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3–5 bed houses within 0.5 mi · $8,983–$10,668
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,321/mo short at 20% down; 93% down or +$18,599/mo rent closes it.
- Break-even price
- $970,371
- Break-even rent
- $28,278/mo
- Cashflow at 35% down
- −$11,368/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
66% under asking
$18,599/mo above the estimate
$2,636,550 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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