4911 Campanile Drive
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4911 Campanile Drive

Ctop 80%

San Diego, CA 92115

$1,299,999
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.

22 licensed short-term rentals within ½ mile (15 whole home), from the cities' license and permit lists of Nov 3, 2026.

Pass at asking: -$6,110/mo full cashflow at 20% down, 7.49% rate.

Works at $507,843 (61% under asking), or at 88% down.

Rent $5,087/mo from 8 leases of 3–5 bed houses within 0.5 mi ($4,311–$4,523).

Beds

4

Baths

3

Sqft

1,843

Year Built

1958

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2607082

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

Virtual Tour

About This Property

Perched just blocks from San Diego State University with sweeping views toward downtown and the surrounding hills, 4911 Campanile Dr is a fully remodeled 3-bedroom, 2-bathroom single-story home paired with a completely separate, fully remodeled 1-bedroom, 1-bathroom ADU — a rare combination in this high-demand college corridor. Inside the main house, wide-plank wood-look flooring runs throughout an open, light-filled floor plan. The kitchen features quartz countertops, shaker-style cabinetry, a subway tile backsplash, and a stainless steel appliance package including a gas range. Both bathrooms have been tastefully updated with floating vanities, matte black fixtures, and tiled tub/shower surrounds, including a striking black hex-tile floor in the primary bath. Mirrored closet doors and recessed lighting complete the clean, move-in-ready finish. A sliding glass door off the living room opens to a low-maintenance backyard with turf, a wood privacy fence, and a patio seating area — ideal for relaxing or entertaining. The home also includes a garage and solar panels on a low-cost lease, keeping energy costs down from day one. The detached ADU is finished to the same standard, with its own private entrance and patio, a full kitchen (stainless appliances, tile backsplash, quartz counters), a comfortable living/sleeping space with wood flooring, and a stylish bathroom with gold hardware accents and tile finishes. It's a turnkey option for rental income, a mortgage-helper, multigenerational living, or student housing — all just minutes on foot from SDSU's campus. Location, updated finishes throughout both units, and rare dual-living flexibility make this one of the strongest offerings near campus.

Mortgage Calculator

Est. Monthly Payment

$8,944

Principal & Interest$7,265
Property Tax$1,300
Insurance$379
%($260,000)
%
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

13C
Est. Monthly Rent
$5,087

8 leases of 3–5 bed houses within 0.5 mi · $4,311–$4,523

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% above what comparable homes leased for ($4,484). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$3,857
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,110

What would make this work?

$6,110/mo short at 20% down; 88% down or +$7,935/mo rent closes it.

Break-even price

61% under asking

$507,843
Break-even rent

$7,935/mo above the estimate

$13,022/mo
Cashflow at 35% down
−$4,748/mo
Down payment to break even

$1,143,999 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,265
Cap Rate
1.30%
Cash-on-Cash
-28.20%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$16,908
Price-to-Rent

Lower = better for investors

21.3

* 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−$6,110/mo