
4960 Jewell
Dbottom 20%San Diego, CA 92109
One license per person in San Diego: whether you can hold it depends on you, not only the home.
113 licensed short-term rentals within ½ mile (68 whole home), from the cities' license and permit lists of Nov 6, 2026.
Pass at asking: -$21,079/mo full cashflow at 20% down, 7.43% rate.
Works at $905,621 (75% under asking); even all cash loses money at asking.
Rent $9,033/mo from 9 leases of 4-bed houses within 1 mi ($8,815–$10,741).
Beds
4
Baths
3.5
Sqft
3,277
Year Built
1992
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026446SD
This property is in San Diego (92109). View neighborhood stats →
About This Property
This is the one you've been waiting for. Light defines this four-bedroom home that overlooks Pacific Beach. A grand staircase greets you at the entry, and from there expansive windows pull in sun from morning through evening, framing a view that sweeps from the surrounding hillsides across downtown to the Pacific coastline, and on clear days all the way to Mexico. Inside, thoughtful details reveal themselves room by room, from built-in nooks to a wet bar made for entertaining. Multiple living areas let the house shift easily between quiet evenings and full gatherings. The primary suite claims its own share of the view, along with a generous walk-in closet. Off the kitchen, a patio with a built-in grill makes outdoor dining effortless. The pool and spa complete the entertainment options and are joined by an outdoor shower and a built-in fireplace for cool evenings. Substantial under-house storage handles the practical side. Minutes from the beach, the Village, and La Jolla Country Club, this is a home built around the coastal lifestyle with a view that never gets old.
Mortgage Calculator
Est. Monthly Payment
$24,992
Location
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Zoned Schools
Elementary
Sessions Elementary · grades K-5 · San Diego Unified
Middle
Pacific Beach Middle · grades 6-8 · San Diego Unified
High
Mission Bay 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.
Comparable Properties
5 comps foundThis Property
$9,033
Comp Average
$9,984
1220 Emerald St
5bd / 4ba · 3,270 sqft · Single Family
$3.30M
Est. $11,943/mo
4835 Academy St
4bd / 3.5ba · 2,929 sqft · Single Family
$2.83M
Est. $9,679/mo
3304 Buena Vista Street
4bd / 3ba · 3,057 sqft · Single Family
$3.00M
Est. $9,119/mo
1920 Beryl St
5bd / 4ba · 3,054 sqft · Single Family
$3.75M
Est. $10,894/mo
2812 Bayside Walk
4bd / 3.5ba · 3,005 sqft · Single Family
$4.45M
Est. $8,285/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 4-bed houses within 1 mi · $8,815–$10,741
Blended 50/50 with the zip's market median ($8,309)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$21,079/mo short at 20% down; +$27,375/mo rent closes it.
- Break-even price
- $905,621
- Break-even rent
- $36,408/mo
- Cashflow at 35% down
- −$17,277/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
75% under asking
$27,375/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, 7.43% 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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