
645 Front St #2002
Dbottom 20%San Diego, CA 92101
121 licensed short-term rentals within ½ mile (90 whole home), from the cities' license and permit lists of Nov 14, 2026.
No unit in this 6-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$23,403/mo full cashflow at 20% down, 7.36% rate.
Works at $636,584 (83% under asking); even all cash loses money at asking.
Rent $8,976/mo from 1 lease in this building.
Beds
3
Baths
3.5
Sqft
3,783
Year Built
2003
Days on Market
135
Property Type
Condo
HOA/mo
$2,046.27
MLS ID
260015908SD
This property is in San Diego (92101). View neighborhood stats →
About This Property
Renaissance in the Marina District has just unveiled their new "Street Level" Lobby and stunning Community Lounge. Upon entering this 20th floor home, you are welcomed by cathedral ceilings that enhance the light-filled, open layout. The first level showcases gorgeous maple hardwood floors flow throughout the living area, complemented by telescopic windows that fully open, inviting the soothing ocean breeze inside. The family room, featuring eastern views, opens to the kitchen equipped with an island, an under counter wine cooler, ample storage, and a walk-in pantry. Enjoy three walk-out balconies on this level: two offering eastern views and one facing west for stunning sunsets. Two fireplaces enhance the ambiance: one in the living area on the first level and another in the primary bedroom suite. Convenient for your friends and family, a large guest suite provides unobstructed panoramic water and city views, complete with custom shutters for adjustable light control and includes a walk-in closet and an ensuite bathroom with a multi-jet shower. Plus a powder room convenient for your guests. Second Level: Bedroom two features a spacious layout, a gigantic walk-in closet, and a walk-in shower. The expansive primary suite spans boasts nearly 900 square feet and includes crown molding throughout. The fireplace creates a cozy atmosphere, complemented by a comfortable sitting area by the bay facing window. Enjoy a luxurious Jacuzzi tub, dual sinks, and a multi-shower fixture in the primary ensuite catering to your every need. Watch virtual tour and see supplements. Adjacent to the primary suite is a large office with stunning north and west views through walls of glass, showcasing sparkling water and city lights, along with enhanced privacy. A spacious and private balcony directly off the primary suite offers uninterrupted water views, perfect for romantic evenings or enjoying a good book while watching boats, yachts, and the cityscape extending to the mountains. Two side-by-side parking spaces and two storage areas—one large cage and a temperature-controlled storage room for valuable items like artwork. Renaissance boasts a brand new “street level” lobby and new resort style amenities including a large landscaped courtyard w/ BBQ aren, 3 fire pits w/ a dining area, pool/spa, gym, community lounge w/ full kitchen, conference room, surveillance throughout the community & 24/7 desk attendants. Ground floor retail conveniently includes Postal Annex for easy Amazon returns, Discount Nutrition & Vitality Juice, Rolling Out Bakery, Vases Salon, iTan and Wells Fargo. Located across from Ralph’s 24 hr. grocery w/ cafes on every corner, steps to the waterfront and Little Italy & just minutes to airport & public transportation and a ferry ride to Coronado. Welcome to paradise!
Mortgage Calculator
Est. Monthly Payment
$27,232
Location
Loading map...
Zoned Schools
Elementary
Washington Elementary · grades PK-5 · San Diego Unified
Middle
Roosevelt International Middle · grades 6-8 · San Diego Unified
High
San Diego 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
$8,976
Comp Average
$11,718
645 Front St
3bd / 4ba · 4,455 sqft · Condo
$5.13M
Est. $17,600/mo
877 Island Avenue
3bd / 2.5ba · 2,914 sqft · Condo
$2.65M
Est. $9,147/mo
200 Harbor Drive
3bd / 3.5ba · 4,116 sqft · Condo
$5.00M
Est. $11,754/mo
100 Harbor Dr
3bd / 3.5ba · 4,303 sqft · Condo
$5.67M
Est. $9,075/mo
1262 Kettner
2bd / 2.5ba · 2,981 sqft · Condo
$3.69M
Est. $11,012/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
1 lease in this building
Thin data: only 1 lease behind this number.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$23,403/mo short at 20% down; +$30,394/mo rent closes it.
- Break-even price
- $636,584
- Break-even rent
- $39,370/mo
- Cashflow at 35% down
- −$19,577/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
83% under asking
$30,394/mo above the estimate
Negative even all-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.
Open Full Calculator