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8317 Hudson Drive

Ctop 80%

San Diego, CA 92119

$950,000

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 (3 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$4,196/mo full cashflow at 20% down, 7.36% rate.

Works at $400,899 (58% under asking), or at 85% down.

Rent $3,979/mo from 12 leases of 2–4 bed houses within 2 mi ($3,809–$4,174).

Beds

Baths

Sqft

1,200

Year Built

1961

Days on Market

111

Property Type

Single Family

HOA/mo

N/A

MLS ID

TR26161225

This property is in San Diego (92119). Browse neighborhood analytics →

About This Property

PRICE REDUCTION!! Beautifully remodeled San Carlos single-story featuring 3 bedrooms, 2 baths, and approximately 1,200 sq. ft. of open living space. Vaulted ceilings and abundant natural light complement the spacious floor plan. The remodeled kitchen showcases white shaker cabinets, quartz countertops, a large island with seating, stainless steel appliances, matte black hardware, and luxury vinyl plank flooring throughout. Both bathrooms have been tastefully updated, and the home also features fresh paint, modern fixtures, and a new roof. Large Private backyard offers space to relax, entertain or possible ADU. Conveniently located near Lake Murray, Mission Trails Regional Park, shopping, dining, top-rated schools, and freeway access. Move-in ready and thoughtfully updated throughout.

Mortgage Calculator

Est. Monthly Payment

$6,468

Principal & Interest$5,241

Property Tax$950

Insurance$277

Down Payment

%($190,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Gage 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

3 comps found

This Property

$3,979

Comp Average

$4,201

6954 Ballinger

3bd / 2ba · 1,041 sqft · Single Family

$899K

Est. $4,020/mo

8405 Lake Ben Avenue

3bd / 2ba · 1,140 sqft · Single Family

$900K

Est. $3,908/mo

6370 Casselberry Way

4bd / 2ba · 1,553 sqft · Single Family

$1.10M

Est. $4,674/mo

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

Investment Score

24C

Est. Monthly Rent

$3,979

12 leases of 2–4 bed houses within 2 mi · $3,809–$4,174

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,489

Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,196

What would make this work?

$4,196/mo short at 20% down; 85% down or +$5,450/mo rent closes it.

Break-even price: $400,899
Break-even rent: $9,429/mo
Cashflow at 35% down: −$3,213/mo
Down payment to break even: 85%
Rate to break even: Not reachable

Mortgage (P+I)

$5,241

Cap Rate

1.57%

Cash-on-Cash

-26.50%

DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)

$14,929

Price-to-Rent

Lower = better for investors

19.9

* 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−$4,196/mo