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4941 Gary St.

San Diego, CA 92115

$1,650,000

Soft Appraisal Value: $1,616,200 · 2.1% above estimate

Beds

Baths

Sqft

2,770

Year Built

1955

Days on Market

130

Property Type

Single Family

HOA/mo

N/A

MLS ID

2600802SD

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

Virtual Tour

About This Property

College Area stabilized cash flow! 4941 Gary (main house) leased to June 2026 $6800/mo. 6485 Montezuma (ADU) leased to June 2026 $5450/mo total rent: $12,250/mo. Professional property management specializing in College Area in place if desired. Main house is single level and spacious 4bed/2Bath 1570sqft. ADU has a completely separate entrance from Montezuma with private driveway and parking. Each unit has its own dedicated yard space.

Mortgage Calculator

Est. Monthly Payment

$10,475

Principal & Interest$8,343

Property Tax$1,650

Insurance$481

Down Payment

%($330,000)

Interest Rate

Loan Term

Location

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Comparable Properties

3 comps found

This Property

$6,409

Comp Average

$6,785

6241 Mary Lane Dr

7bd / 3ba · 1,796 sqft · Single Family

$1.50M

Est. $7,261/mo

6233 Mary Lane Dr

7bd / 3ba · 1,790 sqft · Single Family

$1.50M

Est. $7,336/mo

4928 64th St

8bd / 3ba · 2,076 sqft · Single Family

$1.48M

Est. $5,759/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

10D

Est. Monthly Rent

$6,409

Monthly Cashflow

Rent − PITIA

$-4,065

Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,914

Mortgage (P+I)

$8,343

Cap Rate

1.04%

Cash-on-Cash

-25.14%

DSCR

Need ≥ 1.25 for DSCR loan

0.61

Break-even Rent

$15,389

NOI (Annual)

$17,147

Price-to-Rent

Lower = better for investors

21.5

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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