854 45th Street
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854 45th Street

B

San Diego, CA 92102

$825,000
NEW — 2d

Beds

Baths

Sqft

1,464

Year Built

1950

Days on Market

2

Property Type

Multi-Family

HOA/mo

N/A

MLS ID

PTP2604865

This property is in San Diego (92102). View neighborhood stats →

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About This Property

Exceptional duplex opportunity featuring two detached 2-bedroom, 1-bath residences, each with its own private, fully fenced yard, offering the privacy and feel of two separate single-family homes. Thoughtfully updated over the past few years, both units feature modern finishes and comfortable, functional floor plans that appeal to both owner-occupants and tenants alike. Situated on a spacious 6,151 sq. ft. corner lot, this property offers 1,464 sq. ft. of combined living space with outstanding flexibility for investors, multigenerational living, or buyers looking to offset their mortgage by living in one unit while renting the other. Each residence is separately metered for gas and electricity, allowing tenants to pay their own utilities and simplifying property management. A generous driveway provides convenient off-street parking with easy access for both units. The private outdoor spaces offer plenty of room for entertaining, pets, gardening, or relaxing, while the corner lot enhances accessibility and curb appeal. Whether you're expanding your investment portfolio or searching for a turnkey income-producing property, this well-maintained duplex combines privacy, functionality, and strong rental appeal in one exceptional offering.

Mortgage Calculator

Est. Monthly Payment

$5,237

Principal & Interest$4,172
Property Tax$825
Insurance$241
%($165,000)
%

Location

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Investment Score

37C
Est. Monthly Rent
$3,712
Monthly Cashflow

Rent − PITIA

$-1,526
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,067

Mortgage (P+I)
$4,172
Cap Rate
1.61%
Cash-on-Cash
-22.30%
DSCR

Need ≥ 1.25 for DSCR loan

0.71
Break-even Rent
$7,695

NOI (Annual)
$13,257
Price-to-Rent

Lower = better for investors

18.5

* 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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