4918 Westminster Terrace
Dbottom 20%San Diego, CA 92116
Pass at asking: -$14,458/mo full cashflow at 20% down, 7.49% rate.
Works at $520,584 (78% under asking); even all cash loses money at asking.
Rent $5,215/mo from 17 leases of 3–5 bed houses within 2 mi ($4,518–$5,484).
Beds
4
Baths
2.5
Sqft
2,081
Year Built
1933
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026215SD
This property is in San Diego (92116). View neighborhood stats →
About This Property
Situated on one of North Kensington's most idyllic streets, this extraordinary single-level Spanish home, originally built in 1933, seamlessly combines historic architectural charm with exceptional modern design. Completely transformed in 2021, the home showcases designer finishes, impeccable craftsmanship, and an incredible floor plan designed for effortless everyday living and entertaining. A picturesque arched entryway framed by lush bougainvillea, mature landscaping, and wrought iron gates welcomes you into a private courtyard with beautiful Saltillo tile and inviting outdoor spaces. Inside, the stunning open-concept kitchen features custom cabinetry, an oversized center island, quartz countertops, premium appliances, and warm natural wood accents. The kitchen flows beautifully into the spacious dining and living areas, where exposed ceiling beams, a striking fireplace, and abundant natural light create an inviting atmosphere. The primary suite offers a peaceful retreat with impressive 12-ft ceilings in both the bedroom and ensuite bathroom, creating an exceptional sense of space and openness. The beautifully appointed ensuite features custom wood cabinetry, designer tile, and sophisticated finishes. Additional highlights include thoughtfully remodeled bathrooms, a generous walk-in closet, paid-off solar, a detached garage, and multiple outdoor areas ideal for enjoying San Diego's year-round sunshine. Just moments from the shops, restaurants, and neighborhood favorites along Adams Avenue, this is a rare opportunity to own a beautifully reimagined Spanish in Kensington!
Mortgage Calculator
Est. Monthly Payment
$16,477
Location
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Comparable Properties
5 comps foundThis Property
$5,215
Comp Average
$5,080
4866 Sussex
3bd / 2.5ba · 2,268 sqft · Single Family
$2.00M
Est. $5,388/mo

4632 Talmadge Drive
3bd / 3ba · 1,869 sqft · Single Family
$1.60M
Est. $4,379/mo
4664 Biona Dr
3bd / 3.5ba · 1,953 sqft · Single Family
$2.33M
Est. $5,808/mo
4653 Talmadge Dr
3bd / 2ba · 1,992 sqft · Single Family
$1.93M
Est. $5,063/mo
4391 Middlesex
3bd / 3ba · 1,841 sqft · Single Family
$1.90M
Est. $4,760/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
17 leases of 3–5 bed houses within 2 mi · $4,518–$5,484
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,458/mo short at 20% down; +$18,777/mo rent closes it.
- Break-even price
- $520,584
- Break-even rent
- $23,992/mo
- Cashflow at 35% down
- −$11,949/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
78% under asking
$18,777/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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