
7865 Hemingway Ave.
Ctop 80%San Diego, CA 92120
One license per person in San Diego: whether you can hold it depends on you, not only the home.
14 licensed short-term rentals within ½ mile (9 whole home), from the cities' license and permit lists of Nov 14, 2026.
Pass at asking: -$6,653/mo full cashflow at 20% down, 7.36% rate.
Works at $528,484 (62% under asking), or at 89% down.
Rent $5,245/mo from 12 leases of 3–5 bed houses within 2 mi ($5,041–$5,568).
Beds
4
Baths
2
Sqft
2,052
Year Built
1971
Days on Market
1
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027043SD
This property is in San Diego (92120). View neighborhood stats →
About This Property
Light and bright, single-level Vista Del Cerro home with outstanding mountain views! Beautiful wood floors and fresh interior paint create a warm, welcoming feel throughout. The spacious floor plan features vaulted ceilings in the living and dining rooms, adding to the home's open and airy atmosphere. The kitchen overlooks the backyard and takes advantage of the beautiful views, while the adjacent family room features a cozy fireplace and direct backyard access, creating an ideal setting for everyday living and entertaining. The spacious primary suite includes a walk-in closet and separate tub and shower. Additional highlights include an indoor laundry room, a three-car garage, and solar panels for added energy savings. Enjoy breathtaking mountain views from the backyard, which features a large grassy lawn with plenty of room to relax, entertain, or play. Ideally located within walking distance of highly rated Dailard Elementary, Patrick Henry High School, and Dailard Park. A fantastic opportunity in Vista Del Cerro offering space, views, and an ideal location. A great value and a true must-see!
Mortgage Calculator
Est. Monthly Payment
$9,526
Location
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Zoned Schools
Elementary
Dailard Elementary · grades K-5 · San Diego Unified
Middle
Pershing 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.
Comparable Properties
5 comps foundThis Property
$5,245
Comp Average
$5,430
5737 Laramie Way
4bd / 2ba · 1,855 sqft · Single Family
$1.02M
Est. $5,115/mo
5964 Highplace Drive
4bd / 3ba · 2,273 sqft · Single Family
$1.50M
Est. $6,663/mo
5996 College
4bd / 3ba · 2,104 sqft · Single Family
$1.45M
Est. $5,901/mo
6461 Hillgrove
4bd / 2ba · 2,013 sqft · Single Family
$1.46M
Est. $4,818/mo
6183 Rockhurst
3bd / 3ba · 2,009 sqft · Single Family
$1.55M
Est. $4,654/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of 3–5 bed houses within 2 mi · $5,041–$5,568
Blended 50/50 with the zip's market median ($5,221)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,653/mo short at 20% down; 89% down or +$8,640/mo rent closes it.
- Break-even price
- $528,484
- Break-even rent
- $13,885/mo
- Cashflow at 35% down
- −$5,206/mo
- Down payment to break even
- 89%
- Rate to break even
- Not reachable
62% under asking
$8,640/mo above the estimate
$1,245,110 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.
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