612 Cardiff St
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.
5 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$3,312/mo full cashflow at 20% down, 7.36% rate.
Works at $316,307 (58% under asking), or at 85% down.
Rent $3,139/mo from 18 leases of 1–3 bed houses within 2 mi ($3,144–$3,464).
Beds
2
Baths
2
Sqft
1,126
Year Built
1954
Days on Market
49
Property Type
Single Family
HOA/mo
N/A
MLS ID
250022912SD
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Desirable 2 br 2bth,rec.room plus ADU Lot 6000sqft . Potential rental income help from Fnished ADU with Separate intrance with New Roof ,new insulation. Close to shopping and Metro.
Mortgage Calculator
Est. Monthly Payment
$5,104
Location
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Zoned Schools
Elementary
Audubon K-8 · grades K-8 · San Diego Unified
Middle
Bell Middle · grades 6-8 · San Diego Unified
High
Morse 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
$3,139
Comp Average
$3,483
5222 San Bernardo Terrace
3bd / 1.5ba · 1,050 sqft · Single Family
$699K
Est. $3,505/mo
5562 Division
3bd / 1.5ba · 1,204 sqft · Single Family
$715K
Est. $3,631/mo
451 Billow Dr
3bd / 2ba · 1,202 sqft · Single Family
$750K
Est. $3,629/mo
844 Bonsall
3bd / 2ba · 1,025 sqft · Single Family
$740K
Est. $3,344/mo
6119 Broadway
3bd / 2ba · 1,130 sqft · Single Family
$1.10M
Est. $3,305/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
18 leases of 1–3 bed houses within 2 mi · $3,144–$3,464
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,312/mo short at 20% down; 85% down or +$4,302/mo rent closes it.
- Break-even price
- $316,307
- Break-even rent
- $7,441/mo
- Cashflow at 35% down
- −$2,537/mo
- Down payment to break even
- 85%
- Rate to break even
- Not reachable
58% under asking
$4,302/mo above the estimate
$637,203 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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