912 Bush Street
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912 Bush Street

Ctop 80%

San Diego, CA 92103

$1,399,000
NEW — 0d
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.

97 licensed short-term rentals within ½ mile (61 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$7,546/mo full cashflow at 20% down, 7.43% rate.

Works at $416,522 (70% under asking), or at 98% down.

Rent $4,154/mo from 17 leases of 1–3 bed houses within 1 mi ($3,826–$4,728).

Beds

2

Baths

2

Sqft

1,153

Year Built

2020

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2610039

This property is in San Diego (92103). View neighborhood stats →

Virtual Tour

About This Property

Prime location. Welcome to this newly reimagined, single-level, model-perfect home offering a beautiful combination of charm, comfort, quality finishes, and an exceptional central San Diego lifestyle. Thoughtfully updated throughout, this inviting residence features luxury laminated wood flooring, crown molding, recessed lighting, custom cabinetry, and large windows that fill the home with natural light while capturing views of the beautifully landscaped front yard. The spacious living room is warm and welcoming, highlighted by a fabulous fireplace that creates an ideal setting for relaxing or entertaining. The modern kitchen has been tastefully designed with sleek cabinetry, a convenient built-in spice rack, stainless steel appliances, stone countertops, and a charming bay window that brings in additional light and character. The large backyard offers a wonderful extension of the living space, with plenty of grassy area, lush landscaping, and mature fruit trees. Whether enjoying morning coffee, gardening, entertaining friends, or simply relaxing outdoors, the yard provides a peaceful retreat in the heart of the city. Additional features include a spacious basement, ideal for a workshop, storage, hobby area, or creative workspace, along with a covered one-car parking space in the garage. Beyond the home itself, the location is a major highlight. Situated in the desirable 92103 area of San Diego, 912 Bush Street offers convenient access to some of the city’s most beloved neighborhoods and attractions. Enjoy close proximity to Mission Hills, Hillcrest, Old Town, Downtown San Diego, Balboa Park, Little Italy, the waterfront, and San Diego International Airport. This central location offers the best of both worlds: a comfortable residential setting with easy access to restaurants, coffee shops, boutiques, parks, cultural attractions, and the vibrant energy of urban San Diego. From weekend dining in Mission Hills or Hillcrest, to walks through Balboa Park, evenings in Little Italy, or quick access to downtown and the bay, this home places you near the heart of everything San Diego has to offer. Beautifully updated, move-in ready, and ideally located, 912 Bush Street presents a rare opportunity to enjoy single-level living, generous outdoor space, and an exceptional lifestyle in one of San Diego’s most convenient and connected areas.

Mortgage Calculator

Est. Monthly Payment

$9,579

Principal & Interest$7,772
Property Tax$1,399
Insurance$408
%($279,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Grant K-8 · grades K-8 · San Diego Unified

  • Middle

    Correia Middle · grades 7-8 · San Diego Unified

    or Roosevelt International Middle · grades 6-8 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • High

    San Diego High · grades 9-12 · San Diego Unified

    or Point Loma High · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

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

4C
Est. Monthly Rent
$4,154

17 leases of 1–3 bed houses within 1 mi · $3,826–$4,728

Blended 50/50 with the zip's market median ($3,839)

Monthly Cashflow

Rent − PITIA

-$5,425
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,546

What would make this work?

$7,546/mo short at 20% down; 98% down or +$9,800/mo rent closes it.

Break-even price

70% under asking

$416,522
Break-even rent

$9,800/mo above the estimate

$13,954/mo
Cashflow at 35% down
−$6,089/mo
Down payment to break even

$1,371,020 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,772
Cap Rate
0.37%
Cash-on-Cash
-32.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.43

NOI (Annual)
$5,201
Price-to-Rent

Lower = better for investors

28.1

* 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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CCashflow−$7,546/mo