
El Cajon, California 92021
This Residential Income Duplex presents a High-Potential Investment Opportunity with a List Price of $899,000—positioned well above the $856,599 Fair Market Value by -4%. Featuring a Condition Rating of 4, the property offers two detached 2-bedroom units on a 0.45-acre lot, providing significant Development Upside for an ADU or third residence. While the current school district ratings are modest, the property’s flexible financing options and dual-income potential make it a strategic acquisition for Buy-and-Hold Investors or Owner-Occupants seeking to offset housing costs.
Property is moderate renovation needed.
Built in 1950, the property is well-maintained but dated, showing renovations likely performed 20+ years ago. The kitchen features older oak cabinetry and laminate counters, while the presence of window AC units suggests a lack of modern central HVAC. The bathrooms and flooring are functional but require modernization to meet current market standards.
The property features two detached 2-bedroom homes on a single lot, offering immediate rental income or a flexible multi-generational living arrangement.
Situated on a generous 0.45-acre parcel, there is significant potential for adding a third residence or ADU, maximizing the land's future value.
Unlike many multi-unit investments, this property qualifies for VA, FHA, and Conventional financing, making it accessible to a wider range of buyers.
Both units are currently tenant-occupied, which may complicate immediate owner-occupancy or require coordination for property access and inspections.
The local assigned schools, including Naranca Elementary and El Cajon Valley High, have lower performance ratings, which may impact appeal for families.
TWO DETACHED HOMES + ROOM FOR MORE! A rare opportunity for an owner-occupant, investor, or buyer looking for future upside. 1270–1272 Marline Ave features two separate 2-bedroom, 1-bath homes situated on one large approximately 0.45-acre parcel in El Cajon. Live in one and rent the other to help offset your monthly housing expense, create a multi-generational living arrangement, or enjoy the privacy and flexibility of two detached residences on one property. Both homes are currently tenant occupied. The tenants would like to remain, but continued tenancy is not a condition of the sale, giving the new owner added flexibility. And there may be more opportunity ahead. The generous lot size may provide potential for a strategically located third residence, ADU, additional development, or a future property configuration designed to preserve the existing homes while maximizing the use and value of the land, subject to City approval. This is the kind of property that can work today while offering possibilities for tomorrow—two existing homes, rental income potential, owner-occupancy options, a large parcel, and potential development upside all in one package. VA, FHA and Conventional financing welcome, subject to buyer and property qualification. Convenient El Cajon location near shopping, schools, transportation and freeway access. Buyer to independently verify zoning, allowable density, ADU/additional dwelling potential, subdivision or lot-split possibilities, setbacks, parking, utilities, financing requirements and all proposed uses with the City of El Cajon, lender and appropriate agencies.
No exterior & parking available.
Grades K-5 • 0.4 mi
Grades K-5 • 0.5 mi
Grades 6-8 • 0.7 mi
No sensitive facilities data found.
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 3.0 |
| Baths | 3.0 | 3.0 |
| Square foot | 1,702 | 2,031 |
| Lot Size | 19,427 | 8,814 |
| Price | $899.0K | $907.5K |
| Price per sq ft | $528 | $463 |
| Built year | 1950 | 1972 |
| HOA | $0 | $0 |
| Days on market | 22 | 43 |
Oct 3, 2026
$899,000
Initial Listing