5222 San Bernardo Terrace
Btop 30%San Diego, CA 92114
One license per person in San Diego: whether you can hold it depends on you, not only the home.
27 licensed short-term rentals within ½ mile (16 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,643/mo full cashflow at 20% down, 7.36% rate.
Works at $353,150 (49% under asking), or at 75% down.
Rent $3,505/mo from 11 leases of 2–4 bed houses within 1 mi ($3,009–$3,410).
Beds
3
Baths
1.5
Sqft
1,050
Year Built
1952
Days on Market
48
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023449SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Welcome to 5222 San Bernardo Terr. a charming home in the heart of San Diego. This family residence has three comfortable bedrooms, one full bathroom, a half bathroom providing a comfortable living space for its occupants. With a total living area of 1,050 square feet, the home is thoughtfully designed to maximize comfort and functionality. Situated on a spacious lot ( 0.184 acres) there is ample outdoor space for a variety of activities or future landscaping possibilities. The home is located within walking distance to a neighborhood park /play ground, schools, shopping's, freeway access, public transportations/MTS and other urban conveniences, making it a desirable choice for those seeking a balance between privacy and affordability.
Mortgage Calculator
Est. Monthly Payment
$4,759
Location
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Zoned Schools
Elementary
Porter Elementary · grades PK-6 · San Diego Unified
Middle
Knox Middle · grades 6-8 · San Diego Unified
High
Lincoln 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
$3,505
Comp Average
$3,427
7683 Shadyglade Ln
3bd / 1ba · 1,029 sqft · Single Family
$525K
Est. $3,428/mo
7515 Black Oak
3bd / 2ba · 964 sqft · Single Family
$650K
Est. $3,345/mo
451 Billow Dr
3bd / 2ba · 1,202 sqft · Single Family
$750K
Est. $3,629/mo
844 Bonsall
3bd / 2ba · 1,025 sqft · Single Family
$740K
Est. $3,344/mo
115 65 Street
3bd / 2ba · 1,102 sqft · Single Family
$789K
Est. $3,388/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 2–4 bed houses within 1 mi · $3,009–$3,410
Blended 50/50 with the zip's market median ($3,794)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,643/mo short at 20% down; 75% down or +$3,433/mo rent closes it.
- Break-even price
- $353,150
- Break-even rent
- $6,938/mo
- Cashflow at 35% down
- −$1,920/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$3,433/mo above the estimate
$524,250 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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