5606 Mchugh Street
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5606 Mchugh Street

Btop 30%

San Diego, CA 92114

$764,999
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.

10 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,157/mo full cashflow at 20% down, 7.36% rate.

Works at $351,788 (54% under asking), or at 80% down.

Rent $3,492/mo from 10 leases of 2–4 bed houses within 1 mi ($3,412–$3,636).

Beds

3

Baths

2.5

Sqft

1,351

Year Built

1958

Days on Market

119

Property Type

Single Family

HOA/mo

N/A

MLS ID

SW26149246

This property is in San Diego (92114). Browse neighborhood analytics →

About This Property

DON'T MISS OUT!! Immerse yourself in the captivating allure of this enchanting family home situated at 5606 Mchugh St, nestled in the heart of the vibrant city of San Diego, CA. This exceptional residence boasts a thoughtfully designed layout encompassing 3 bedrooms and 2 bathrooms spread gracefully across 1,351 square feet of living space. An embodiment of comfort seamlessly intertwined with contemporary elegance, this home serves as a testament to a refined lifestyle. As you step inside, you're greeted by a luminous open-concept layout that artfully ushers in an abundance of natural light, crafting an inviting ambiance throughout. The harmonious integration of the generous living, dining, and kitchen areas facilitates an effortless flow, perfect for hosting gatherings and fostering memorable moments with loved ones. The well-appointed kitchen stands as a culinary haven, adorned with modern appliances that cater to both form and function. Unveiling an additional layer of sophistication, this residence features striking hardwood floors that exude a timeless charm. The allure is further enhanced by recent renovations that include new paint throughout, infusing each room with a rejuvenating vibrancy. The pristine bathrooms have been thoughtfully curated to offer both luxury and convenience, elevating your daily routines.Stepping beyond the threshold, a meticulously landscaped backyard unfolds, offering a haven of serenity and seclusion. This outdoor sanctuary is a canvas for relaxation, hosting alfresco gatherings, or indulging in tranquil moments of solitude, all within the embrace of nature's beauty.Strategically positioned in proximity to local amenities, esteemed schools, and lush parks, this home effortlessly integrates convenience into its allure. It presents an opportunity to immerse yourself in the dynamic lifestyle that San Diego has to offer, where you can explore culinary delights, engage in recreational pursuits, and savor the vibrant cultural scene.Do not let the chance slip away to call this remarkable property yours. Take the first step towards making this dream home a reality by scheduling a showing today. Witness firsthand the harmonious fusion of comfort, style, and practicality that defines this exquisite residence.

Mortgage Calculator

Est. Monthly Payment

$5,209

Principal & Interest$4,221
Property Tax$765
Insurance$223
%($153,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Johnson Elementary · grades PK-5 · San Diego Unified

  • Middle

    Millennial Tech 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.

Investment Score

38B
Est. Monthly Rent
$3,492

10 leases of 2–4 bed houses within 1 mi · $3,412–$3,636

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,717
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,157

What would make this work?

$3,157/mo short at 20% down; 80% down or +$4,100/mo rent closes it.

Break-even price

54% under asking

$351,788
Break-even rent

$4,100/mo above the estimate

$7,592/mo
Cashflow at 35% down
−$2,366/mo
Down payment to break even

$611,999 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,221
Cap Rate
1.94%
Cash-on-Cash
-24.76%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$14,855
Price-to-Rent

Lower = better for investors

18.3

* 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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BCashflow−$3,157/mo