Based on comps and recent listings, a 3-bed, 3-bath, 1,549 sqft home in Cardiff can command monthly rents in the $6,500–$10,500 range. Local 3-bed units average $3,600–$3,650, but single-family homes with premium features and location regularly exceed $6K/month. Given rising home values and strong rental demand in Encinitas/Cardiff, the property’s estimated annual rental income ranges from $78K to $126K. Estimated payback (gross) is roughly 12–19 years, depending on rent level. The property benefits from beach proximity, modern layout, and a desirable school district, though HOA fees ($250/mo) and minimal onsite amenities are considerations.

To maximize rental value, consider light cosmetic upgrades—fresh paint, modern fixtures, and staging to highlight ocean proximity and open-plan living. Adding high-speed internet and flexible workspace will attract remote workers. If selling, market to both investors and owner-occupants, emphasizing the area’s strong appreciation and Cardiff’s lifestyle. If renting, target professionals and families seeking long-term leases with beach access and top schools.