5851 Division Street
Atop 10%San Diego, CA 92114
One license per person in San Diego: whether you can hold it depends on you, not only the home.
8 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,535/mo full cashflow at 20% down, 7.36% rate.
Works at $468,049 (41% under asking), or at 66% down.
Rent $4,646/mo from 10 leases of 3–5 bed houses within 1 mi ($4,525–$5,263).
Beds
4
Baths
3
Sqft
2,293
Year Built
1972
Days on Market
51
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2608875
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Welcome to this spacious 2-story San Diego residence! Spanning 2,293 square feet of thoughtfully designed living space, this home features 4 spacious bedrooms, 3 full bathrooms, and a versatile second-story loft filled with natural light. Conveniently situated in a central San Diego neighborhood minutes from major freeways, schools, shopping, and dining, this property offers incredible versatility with strong potential to generate rental income. This property includes a complete, detached ADU in the back-offering immediate income potential, ideal dual-family living,or a private guest retreat. Whether you are looking for room to grow, multi-generational living, or strategic investment opportunity, this home delivers exceptional value and possibilities.
Mortgage Calculator
Est. Monthly Payment
$5,446
Location
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Zoned Schools
Elementary
Nye Elementary · grades K-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
$4,646
Comp Average
$4,319
San Diego
4bd / 2.5ba · 2,128 sqft · Single Family
$835K
Est. $4,532/mo
410 58th St.
4bd / 2ba · 1,886 sqft · Single Family
$800K
Est. $4,273/mo
7059 Bullock Dr
4bd / 2.5ba · 1,691 sqft · Single Family
$799K
Est. $4,165/mo
144 Kenyatta
4bd / 2ba · 1,908 sqft · Single Family
$845K
Est. $4,383/mo
5472 San Onofre
4bd / 2ba · 1,800 sqft · Single Family
$900K
Est. $4,244/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 3–5 bed houses within 1 mi · $4,525–$5,263
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,535/mo short at 20% down; 66% down or +$3,293/mo rent closes it.
- Break-even price
- $468,049
- Break-even rent
- $7,939/mo
- Cashflow at 35% down
- −$1,708/mo
- Down payment to break even
- 66%
- Rate to break even
- 0.37%
41% under asking
$3,293/mo above the estimate
$527,934 cash
at 20% down
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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