645 Front Street #1807
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645 Front Street #1807

Ctop 80%

San Diego, CA 92101

$899,000
NEW — 0d
STR: check · no permits in this complex · TOT 13.75%

121 licensed short-term rentals within ½ mile (90 whole home), from the cities' license and permit lists of Nov 11, 2026.

No unit in this 42-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: -$4,328/mo full cashflow at 20% down, 7.43% rate.

Works at $335,491 (63% under asking), or at 90% down.

Rent $5,203/mo from 6 leases in this building ($4,448–$5,234).

Beds

2

Baths

2

Sqft

1,384

Year Built

2003

Days on Market

0

Property Type

Condo

HOA/mo

$1,429.45

MLS ID

260026737SD

This property is in San Diego (92101). View neighborhood stats →

Virtual Tour

About This Property

Experience the best of Marina District living in this stylish south-facing residence at Renaissance, where panoramic water and city views pair beautifully with an exceptionally spacious floorplan. The wraparound L-shaped balcony showcases sweeping south and west vistas of the bay, downtown skyline, and iconic Coronado Bridge, creating a spectacular backdrop for everyday living and entertaining. Inside, oversized windows flood the home with natural light and accentuate the travertine flooring that flows throughout the open living spaces. The galley kitchen features granite countertops and stainless appliances. The large bedrooms are a standout feature rarely found in Downtown living. The primary suite serves as a true retreat, offering dual closets and a spa-inspired bath complete with a soaking tub, step-in shower, and dual vanity. The spacious guest bedroom is equally impressive, highlighted by oversized picture windows and ample room to comfortably accommodate guests, a home office or both! Two desirably located side-by-side parking spaces and a private storage unit add everyday convenience. This residence seamlessly blends expansive views, oversized living spaces, and an unbeatable Marina District location for the Downtown San Diego lifestyle. Located on arguably one of the most convenient blocks in all of Downtown, just a few blocks to walk along the harbor, public transportation, excellent restaurants, shopping, Ralphs Signature grocery store next door, and the Rady’s Shell at Jacobs Park, a unique live music venue and home of the San Diego Symphony! Also enjoy proximity to the future life science and biotechnology research development The Research and Development District (The RaDD) at the Embarcadero and the sustainable tech-focused Campus at Horton in the center of the city. Delight in the casual elegance of Renaissance amidst the convenience of sophisticated urban living. Renaissance common areas have been recently refreshed and refurbished and include staffed lobbies, 24/7 security, pool & spa, barbecues, lounge areas, an outdoor fireplace, a well-equipped fitness center, and meeting rooms. Don’t miss your chance to call this special residence your own!

Mortgage Calculator

Est. Monthly Payment

$7,585

Principal & Interest$4,994
Property Tax$899
Insurance$262
HOA$1,429
%($179,800)
%
Loan Term

Location

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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.

Investment Score

19C
Est. Monthly Rent
$5,203

6 leases in this building · $4,448–$5,234

Monthly Cashflow

Rent − PITIA

-$2,382
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,328

What would make this work?

$4,328/mo short at 20% down; 90% down or +$5,620/mo rent closes it.

Break-even price

63% under asking

$335,491
Break-even rent

$5,620/mo above the estimate

$10,823/mo
Cashflow at 35% down
−$3,391/mo
Down payment to break even

$809,100 cash

90%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,994
Cap Rate
1.24%
Cash-on-Cash
-28.88%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$11,122
Price-to-Rent

Lower = better for investors

14.4

* Modelled at 20% down, 7.43% 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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CCashflow−$4,328/mo