6459 Richard St.

San Diego, CA 92115

$1,450,000

Soft Appraisal Value: $1,420,000 · 2.1% above estimate

Beds

Baths

Sqft

1,895

Year Built

1952

Days on Market

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003227SD

🏠 Virtual Tour View on MLS

Description

Cash flow property by SDSU. Main house (6459) 4br/2ba 1315 sqft and leased for $6100 to 7/16/2027 Attached, ADU (6457) 3br/1ba 568 sqft leased for $3820 to 7/28/2026 and then from 8/7/26 to 7/102027 $2950/mo. Both units are recently fully renovated.

Mortgage Calculator

Est. Monthly Payment

$9,205

Principal & Interest$7,332

Property Tax$1,450

Insurance$423

Down Payment

%($290,000)

Interest Rate

Loan Term

Comparable Properties

4 comps found

This Property

$6,569

Comp Average

$6,847

4727 Choctaw Dr.

6bd / 5ba · 2,455 sqft · Single Family

$1.35M

Est. $7,813/mo

6844 Missy Ct

6bd / 4.5ba · 2,348 sqft · Single Family

$1.40M

Est. $7,925/mo

4941 Gary St.

8bd / 4ba · 2,770 sqft · Single Family

$1.73M

Est. $6,792/mo

4928 64th St

8bd / 3ba · 2,076 sqft · Single Family

$1.48M

Est. $4,856/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$6,569

Monthly Cashflow

Rent − PITIA

$-2,636

Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,355

Mortgage (P+I)

$7,332

Cap Rate

1.64%

Cash-on-Cash

-22.16%

DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.71

Break-even Rent

$13,524

NOI (Annual)

$23,722

Price-to-Rent

Lower = better for investors

18.4

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert Analysis Open Full Calculator