
4841 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.
125 licensed short-term rentals within ½ mile (85 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$14,302/mo full cashflow at 20% down, 7.36% rate.
Works at $927,429 (67% under asking), or at 95% down.
Rent $9,205/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
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023629SD
This property is in San Diego (92109). View neighborhood stats →
About This Property
New construction in North Pacific Beach with outdoor space at every level: a grassy front yard, a spacious patio off the living area with ceiling-mounted heaters bringing comfort to chilly fall evenings, and a large rooftop deck with room for lounge seating, a fire pit, and a hot tub or cold plunge. Expansive glass connects the main living space to the patio, while the rooftop offers views toward Mission Bay, the ocean, and the downtown skyline. Inside, modern architecture and elevated finishes complement four bedrooms and open living areas. Owned solar adds value to this all-electric home, conveniently located near beaches, dining, and shopping. New construction in North Pacific Beach with modern architecture, elevated finishes, and outdoor living spaces that give you options throughout the day. The grassy front yard adds a welcoming touch, while a spacious patio opens directly from the main living area. Ceiling-mounted heaters make the patio comfortable for dining or gathering outside on cooler evenings. Upstairs, the large rooftop deck offers another place to entertain or unwind, with plenty of room for lounge seating, a fire pit, and a hot tub. From the roof, enjoy views toward Mission Bay, the ocean, and the downtown skyline. Inside, expansive glass brings natural light into the open living spaces and creates an easy connection to the outdoors. The home offers four bedrooms, three full baths, a powder room, a two-car attached garage, and owned solar. Beaches, bays, dining, and shopping are all close by, making it easy to enjoy the best of Pacific Beach from home.
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Est. Monthly Payment
$19,058
Location
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Comparable Properties
5 comps foundThis Property
$9,205
Comp Average
$10,475
853 Sapphire
5bd / 6ba · 2,759 sqft · Single Family
$3.19M
Est. $11,079/mo
4835 Academy St
4bd / 3.5ba · 2,929 sqft · Single Family
$2.83M
Est. $9,679/mo
836 Beryl Street
5bd / 5ba · 2,740 sqft · Single Family
$3.30M
Est. $10,932/mo
3304 Buena Vista Street
4bd / 3ba · 3,057 sqft · Single Family
$3.00M
Est. $9,627/mo
4801 Academy
5bd / 5.5ba · 2,923 sqft · Single Family
$3.65M
Est. $11,060/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?
$14,302/mo short at 20% down; 95% down or +$18,574/mo rent closes it.
- Break-even price
- $927,429
- Break-even rent
- $27,779/mo
- Cashflow at 35% down
- −$11,407/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
67% under asking
$18,574/mo above the estimate
$2,659,050 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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