5484 Santa Margarita Street
Ctop 80%San Diego, CA 92114
One license per person in San Diego: whether you can hold it depends on you, not only the home.
25 licensed short-term rentals within ½ mile (16 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$4,076/mo full cashflow at 20% down, 7.36% rate.
Works at $516,531 (51% under asking), or at 77% down.
Rent $5,127/mo from 13 leases of houses within 1 mi, size-adjusted ($4,863–$5,477).
Beds
7
Baths
3
Sqft
2,738
Year Built
1956
Days on Market
86
Property Type
Single Family
HOA/mo
N/A
MLS ID
260020258SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Great opportunity to own a well-maintained three-unit property in San Diego! This spacious multifamily property offers 7 bedrooms and 4 bathrooms across approximately 2,738 square feet, all situated on a generous 9,164-square-foot lot. The property has seen several recent updates, including new roofs, new electrical panels in two of the units, new water heaters, fresh paint, and a new fence at one unit. Additional features include tile flooring, quartz countertops, a remodeled kitchen, attached garage, exterior laundry area, and full wood fencing. Public water and sewer, no HOA, and no Mello-Roos are additional benefits. Zoned RN-25: Minor Multiple, this property offers plenty of flexibility for those looking for a three-unit property in San Diego. Conveniently located near schools, shopping, dining, and major transportation routes.
Mortgage Calculator
Est. Monthly Payment
$7,149
Location
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Zoned Schools
Elementary
Valencia Park Elementary · grades PK-5 · 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
$5,127
Comp Average
$4,928
6459 Imperial Avenue
5bd / 2ba · 1,958 sqft · Single Family
$749K
Est. $4,668/mo
1745 Plaza Crest Ridge Rd
6bd / 3.5ba · 2,488 sqft · Single Family
$870K
Est. $5,145/mo
7217 Farmdale Street
5bd / 3ba · 3,066 sqft · Single Family
$995K
Est. $5,355/mo
303 Sears Avenue
5bd / 3ba · 3,300 sqft · Single Family
$1000K
Est. $5,414/mo
8181 Brennan St
5bd / 2ba · 1,568 sqft · Single Family
$899K
Est. $4,058/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
13 leases of houses within 1 mi, size-adjusted · $4,863–$5,477
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,076/mo short at 20% down; 77% down or +$5,294/mo rent closes it.
- Break-even price
- $516,531
- Break-even rent
- $10,421/mo
- Cashflow at 35% down
- −$2,990/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$5,294/mo above the estimate
$808,500 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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