525 25th
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525 25th

Atop 10%

San Diego, CA 92102

$599,000
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.

180 licensed short-term rentals within ½ mile (128 whole home), from the cities' license and permit lists of Nov 14, 2026.

Pass at asking: -$1,244/mo full cashflow at 20% down, 7.36% rate.

Works at $436,307 (27% under asking), or at 51% down.

Rent $4,330/mo from 10 leases of houses within 1 mi, size-adjusted ($3,646–$4,196).

Beds

4

Baths

3

Sqft

1,661

Year Built

1918

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

260023701SD

This property is in San Diego (92102). View neighborhood stats →

Virtual Tour

About This Property

Discover the character and possibilities of this detached 1918 home in historic Sherman Heights. Set on an approximately 0.08-acre lot with reported multi-unit zoning, the property offers an opportunity for buyers and investors to explore its future potential. The downstairs area may offer additional possibilities, subject to verification of permitted use and applicable requirements. Conveniently located near Barrio Logan, South Park, and East Village, and approximately three-quarters of a mile from downtown San Diego, the home puts local dining, shops, and city attractions within easy reach. Nearby State Route 94 connects to the broader San Diego area, including the airport. Bring your vision and explore what this distinctive property could become. This property is ideally positioned just minutes from Barrio Logan, South Park, and East Village amd 3/4 of a mile from downtown San Diego— these neighborhoods known for their vibrant mix of local shops, restaurants, and community energy. The location offers easy access to major freeways 94 freeway, making commutes to downtown, the airport, and beyond effortless.

Mortgage Calculator

Est. Monthly Payment

$4,079

Principal & Interest$3,305
Property Tax$599
Insurance$175
%($119,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Sherman Elementary · grades PK-5 · San Diego Unified

  • Middle

    Logan Memorial Educational Campus · grades PK-12 · San Diego Unified

  • High

    Logan Memorial Educational Campus · grades PK-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

75A
Est. Monthly Rent
$4,330

10 leases of houses within 1 mi, size-adjusted · $3,646–$4,196

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

+$251
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,244

What would make this work?

$1,244/mo short at 20% down; 51% down or +$1,615/mo rent closes it.

Break-even price

27% under asking

$436,307
Break-even rent

$1,615/mo above the estimate

$5,945/mo
Cashflow at 35% down
−$624/mo
Down payment to break even

$305,490 cash

51%
Rate to break even

at 20% down

3.16%

Mortgage (P+I)
$3,305
Cap Rate
4.56%
Cash-on-Cash
-12.46%
DSCR

Need ≥ 1.25 for DSCR loan

1.06

NOI (Annual)
$27,329
Price-to-Rent

Lower = better for investors

11.5

* 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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ACashflow−$1,244/mo