3460 Columbia St, San Diego, CA, 92103 | 5.31% Rental Yield

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3460 Columbia St, San Diego, CA, 92103 | 5.31% Rental Yield | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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Ziffy AI Summary

A quick, investor-focused snapshot highlighting income strength, yield potential.

Key metrics	Value
Price	$399,900
Est. Rent	$3,200/mo
ROI	18%

Attractive rent-to-price ratio for income stability
Good fit for DSCR financing with healthy coverage

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Investment Highlights

Rental property for sale in San Diego at 3460 Columbia St, San Diego, CA, 92103 generates $4,402/mo in rent, after a $4,870/mo payment. Total monthly income is $4,402/mo. Return on cash invested sits at 13.63% in year one, and rental yield is 5.31% on a $995,000 entry. Equity gained on principal adds $6,421/yr, while 5% annual appreciation builds toward $274,900 over five years. Five-year ROI reaches 69.15% and total cumulative return in cash sums $226,362. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $4,402/mo property income rather than buyer’s personal income.

Townhouse

Built in 1981

0.85 Acres lot

$N/A/sqft

No HOA

More details about the property

Welcome to this exceptional Mission Hills townhome that lives like a single-family residence. Tucked behind a private front courtyard, the home invites you in with warmth, character, and sweeping views of San Diego Bay, Point Loma, and the glittering Downtown skylineenjoyed from nearly every room. Inside, natural light pours through skylights and expansive windows, highlighting vaulted ceilings with rich wood beams and a cozy fireplacean ideal setting for relaxing nights in or gathering with friends. The kitchen blends style and function with cherrywood cabinetry, granite countertops, premium appliances, and a built-in desk nook perfect for working from home or staying organized. Two private balconies extend your living space outdoors, offering the perfect spot to bask in the Southern California sunshine while watching the light shift across the bay from sunrise to sunset. The thoughtful layout features two spacious bedrooms, each with its own en suite bath. The primary suite is a true retreat, complete with a walk-in closet, double vanities, and a separate shower. Full-size laundry, an attached garage, and triple-pane windows add comfort and convenience, while low HOA fees make ownership even more appealing. Ideally located just minutes from the airport, freeways, dining, shopping, and San Diegos best attractions, this home is a rare find where timeless charm meets modern comfort.

Neighborhood Data

Neighborhood data shown for ZIP Code: 92103, San Diego, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	21,454 (100%)
Owner Occupied HU	6,477 (30.2%)
Renter Occupied HU	13,269 (61.8%)
Vacant Housing Units	1,708 ( 8.0%)
Median Home Value	$1,234,113
Average Home Value	$1,335,912