8181 Brennan St

8181 Brennan St

Btop 30%

San Diego, CA 92114

$899,000
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.

5 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 8, 2026.

Pass at asking: -$3,391/mo full cashflow at 20% down, 7.43% rate.

Works at $457,521 (49% under asking), or at 75% down.

Rent $4,563/mo from 9 leases of houses within 1 mi, size-adjusted ($3,914–$4,282).

Beds

5

Baths

2

Sqft

1,568

Year Built

1957

Days on Market

—

Property Type

Single Family

HOA/mo

N/A

MLS ID

260025212SD

This property is in San Diego (92114). Browse neighborhood analytics →

About This Property

COMING SOON! Beautifully renovated 5-bedroom, 2-bathroom home in San Diego's 92114 community! Offering approximately 1,568 sq. ft. of living space on a generous 6,300 sq. ft. lot, this property offers an excellent combination of space, comfort, and modern living. Currently undergoing renovations, this home will feature refreshed finishes and an updated appearance, making it an exciting opportunity for its future owners. Additional highlights include air conditioning, a fully paid-off solar system, five bedrooms offering flexible living arrangements, and a spacious lot with plenty of potential for outdoor enjoyment. Conveniently located in San Diego with access to shopping, dining, parks, schools, and major freeways. Offered at $899,000. Expected to be available for showings beginning October 31, 2026, subject to completion of renovations. Professional photography and additional property details coming soon!

Mortgage Calculator

Est. Monthly Payment

$6,156

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

Location

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Zoned Schools

  • Elementary

    Monterey Heights Elementary · grades K-6 · Lemon Grove

  • Middle

    Lemon Grove Academy for the Sciences and Humanities · grades 6-8 · Lemon Grove

  • High

    Mount Miguel High · grades 9-12 · Grossmont Union High

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

42B
Est. Monthly Rent
$4,563

9 leases of houses within 1 mi, size-adjusted · $3,914–$4,282

Blended 50/50 with the zip's market median ($5,148)

Monthly Cashflow

Rent − PITIA

-$1,592
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,391

What would make this work?

$3,391/mo short at 20% down; 75% down or +$4,404/mo rent closes it.

Break-even price

49% under asking

$457,521
Break-even rent

$4,404/mo above the estimate

$8,967/mo
Cashflow at 35% down
−$2,455/mo
Down payment to break even

$674,250 cash

75%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,994
Cap Rate
2.44%
Cash-on-Cash
-22.63%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$21,978
Price-to-Rent

Lower = better for investors

16.4

* 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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BCashflow−$3,391/mo