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San Diego, CA 92109

$3,199,000
NEW — 0d

Beds

4

Baths

3.5

Sqft

2,386

Year Built

1995

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2603012

This property is in San Diego (92109). View neighborhood stats →

Virtual Tour

About This Property

Beautiful Mission Beach home with ocean views and a fully attached second unit. Ideal as a duplex or single-family home with ADU. Located just five homes from the beach, this property offers the perfect blend of coastal living and income potential. The main residence features 3 bedrooms, 2.5 bathrooms, and over 1,900 square feet of living space. Highlights include vaulted high-beam wood ceilings, abundant natural light, plantation shutters, dual-pane windows, a spacious loft, ample storage, 2 fireplaces, and attached 2 car garage. Enjoy indoor-outdoor living with an enclosed patio, 2 decks, and 2 balconies capturing the ocean breeze, views and Sea World fireworks. The second unit offers a private 1 bedroom, 1 bathroom layout with its own entrance and balcony, granite countertops, stainless steel appliances, and washer/dryer hookups. Perfect for rental income, guests, or extended family. All within walking distance to restaurants, shops, and just a few blocks from Belmont Park and the iconic roller coaster. Live in one, rent the other, or enjoy the entire property as your own beach retreat.

Mortgage Calculator

Est. Monthly Payment

$20,308

Principal & Interest$16,176
Property Tax$3,199
Insurance$933
%($639,800)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,951
Monthly Cashflow

Rent − PITIA

$-12,357
Full Cashflow

Incl. vacancy, PM, maint, capex

$-16,851

Mortgage (P+I)
$16,176
Cap Rate
-0.25%
Cash-on-Cash
-31.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$29,836

NOI (Annual)
$-8,107
Price-to-Rent

Lower = better for investors

33.5

* 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.

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