7096 Hillsboro St
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7096 Hillsboro St

Ctop 80%

San Diego, CA 92120

$1,195,000
NEW — 1d
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.

12 licensed short-term rentals within ½ mile (9 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$5,426/mo full cashflow at 20% down, 7.36% rate.

Works at $485,103 (59% under asking), or at 86% down.

Rent $4,814/mo from 14 leases of 3-bed houses within 2 mi ($4,408–$5,007).

Beds

3

Baths

2

Sqft

1,691

Year Built

1956

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026900SD

This property is in San Diego (92120). View neighborhood stats →

About This Property

Sweeping sunset views, an expansive 8,300 sq. ft. lot, and a stunning transformation in sought-after Allied Gardens! Beautifully remodeled throughout, this move-in-ready home combines modern finishes, an open-concept layout, and exceptional indoor-outdoor living. The reimagined kitchen features new cabinetry, countertops, stainless steel appliances, a spacious island, and stylish pendant lighting, opening seamlessly to the dining area. Enjoy new luxury vinyl plank flooring, recessed lighting, fresh interior and exterior paint, and beautifully remodeled bathrooms with contemporary finishes. An expansive enclosed sunroom with new windows and a sliding glass door offers versatile additional space, while the primary bedroom features a walk-in closet. Major upgrades include a full electrical rewire, all-new windows, and a roof tune-up. Outside, enjoy a private backyard with fresh landscaping, and sweeping views of the valley and surrounding hills. Additional improvements include new interior doors, ceiling fans, and an epoxy-finished garage. Nestled in desirable Allied Gardens, just minutes from local favorite Del's Hideout, Mission Trails, SDSU, Mission Valley, and major freeways. Priced to sell and expected to move fast, schedule your private showing before this opportunity is gone!

Mortgage Calculator

Est. Monthly Payment

$8,137

Principal & Interest$6,593
Property Tax$1,195
Insurance$349
%($239,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Marvin Elementary · grades K-5 · San Diego Unified

  • 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

14C
Est. Monthly Rent
$4,814

14 leases of 3-bed houses within 2 mi · $4,408–$5,007

Blended 50/50 with the zip's market median ($4,757)

Monthly Cashflow

Rent − PITIA

-$3,323
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,426

What would make this work?

$5,426/mo short at 20% down; 86% down or +$7,047/mo rent closes it.

Break-even price

59% under asking

$485,103
Break-even rent

$7,047/mo above the estimate

$11,861/mo
Cashflow at 35% down
−$4,190/mo
Down payment to break even

$1,027,700 cash

86%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,593
Cap Rate
1.41%
Cash-on-Cash
-27.24%
DSCR

Need ≥ 1.25 for DSCR loan

0.59

NOI (Annual)
$16,892
Price-to-Rent

Lower = better for investors

20.7

* 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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CCashflow−$5,426/mo