6233 Stewart
1 / 20

6233 Stewart

Ctop 80%

San Diego, CA 92115

$1,049,000
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.

15 licensed short-term rentals within ½ mile (11 whole home), from the cities' license and permit lists of Nov 3, 2026.

Pass at asking: -$5,269/mo full cashflow at 20% down, 7.49% rate.

Works at $365,832 (65% under asking), or at 92% down.

Rent $3,665/mo from 10 leases of 2–4 bed houses within 0.5 mi ($3,416–$3,594).

Beds

3

Baths

2

Sqft

1,130

Year Built

1952

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

260022940SD

This property is in San Diego (92115). View neighborhood stats →

Virtual Tour

About This Property

Beautifully remodeled 3-bedroom, 2-bathroom home offering 1,130 square feet of thoughtfully updated living space. The bright, modern interior features stylish vinyl flooring, stainless steel appliances, and fresh finishes throughout. Outside, enjoy a spacious backyard with an outdoor fireplace—perfect for entertaining, relaxing, or creating your own private retreat. The detached two-car garage and generous lot may offer potential for an accessory dwelling unit (ADU), subject to buyer verification and approval by the appropriate authorities. Conveniently located in San Diego State Universityarea, this turnkey home is ready for its new owner.

Mortgage Calculator

Est. Monthly Payment

$7,217

Principal & Interest$5,862
Property Tax$1,049
Insurance$306
%($209,800)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Pendleton Elementary · grades K-5 · San Diego Unified

    or Hardy Elementary · grades K-5 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • Middle

    Lewis Middle · grades 6-8 · San Diego Unified

  • High

    Henry 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

9C
Est. Monthly Rent
$3,665

10 leases of 2–4 bed houses within 0.5 mi · $3,416–$3,594

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,552
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,269

What would make this work?

$5,269/mo short at 20% down; 92% down or +$6,843/mo rent closes it.

Break-even price

65% under asking

$365,832
Break-even rent

$6,843/mo above the estimate

$10,508/mo
Cashflow at 35% down
−$4,170/mo
Down payment to break even

$965,080 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,862
Cap Rate
0.89%
Cash-on-Cash
-30.14%
DSCR

Need ≥ 1.25 for DSCR loan

0.51

NOI (Annual)
$9,314
Price-to-Rent

Lower = better for investors

23.9

* Modelled at 20% down, 7.49% 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.

Open Full Calculator
CCashflow−$5,269/mo