6103 Federal Blvd
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.
8 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$4,043/mo full cashflow at 20% down, 7.36% rate.
Works at $396,000 (57% under asking), or at 84% down.
Rent $3,930/mo from 35 leases of houses within 2 mi, size-adjusted ($3,430–$3,958).
Beds
5
Baths
3
Sqft
1,333
Year Built
1980
Days on Market
67
Property Type
Single Family
HOA/mo
N/A
MLS ID
260021831SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Welcome to this spacious 5 bedroom, 3 bathroom home offering 1,333 sq ft of living space on a generously sized, elevated lot in San Diego’s College Area. With two primary bedroom setups and generously sized bedrooms throughout, the flexible floor plan offers plenty of possibilities for multigenerational living, guests, a home office, or additional flex space. One of the standout features is the huge, flat backyard, offering an incredible amount of usable outdoor space with potential to explore adding an ADU for additional living space, rental income, or extended family, subject to applicable approvals and requirements. The versatile 5 bedroom layout may also appeal to buyers exploring student housing, shared living, or assisted living opportunities, subject to applicable zoning, licensing, and regulations. Additional features include a whole house fan, enclosed storage area off the patio, an attached 2 car garage, and additional driveway parking. Centrally located near SDSU with convenient access to shopping, dining, freeways, and everything San Diego has to offer. A rare combination of a flexible floor plan, large flat lot, and future potential in a central San Diego location.
Mortgage Calculator
Est. Monthly Payment
$6,298
Location
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Zoned Schools
Elementary
Encanto 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.
Comparable Properties
5 comps foundThis Property
$3,930
Comp Average
$4,018
5672 Santa Margarita
5bd / 2ba · 1,414 sqft · Single Family
$699K
Est. $4,316/mo
5228 San Bernardo Terrace
4bd / 2ba · 1,325 sqft · Single Family
$775K
Est. $3,812/mo
335 Dolo St.
4bd / 2.5ba · 1,461 sqft · Single Family
$795K
Est. $3,884/mo
5709 Old Memory Lane
5bd / 2.5ba · 1,522 sqft · Single Family
$905K
Est. $4,256/mo
1270 Valencia Pkwy
4bd / 2ba · 1,290 sqft · Single Family
$850K
Est. $3,820/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
35 leases of houses within 2 mi, size-adjusted · $3,430–$3,958
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,043/mo short at 20% down; 84% down or +$5,251/mo rent closes it.
- Break-even price
- $396,000
- Break-even rent
- $9,181/mo
- Cashflow at 35% down
- −$3,086/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$5,251/mo above the estimate
$776,999 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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