105 Calla Ave
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105 Calla Ave

Btop 30%

Imperial Beach, CA 91932

$649,000
STR: check · Imperial Beach: confirm the zone · TOT 14%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$2,743/mo full cashflow at 20% down, 7.43% rate.

Works at $291,858 (55% under asking), or at 81% down.

Rent $3,661/mo from 13 leases of 1–3 bed condos & townhomes within 1 mi ($2,878–$3,512).

Beds

2

Baths

1.5

Sqft

1,088

Year Built

1975

Days on Market

179

Property Type

Townhouse

HOA/mo

$577.5

MLS ID

260011846SD

This property is in Imperial Beach (91932). Browse neighborhood analytics →

Virtual Tour

About This Property

Reduced! Welcome to coastal living in the heart of Imperial Beach! This beautifully renovated 2-bedroom, 1.5-bath townhome blends modern design with laid-back beachside charm just moments from the sand, dining, and everything IB has to offer. Step inside to discover a bright, open-concept layout featuring wide-plank flooring, recessed lighting, fresh contemporary finishes, and an abundance of natural light throughout. The spacious living area flows seamlessly into the stunning remodeled kitchen complete with quartz countertops, sleek white cabinetry, stainless steel appliances, designer backsplash, and a large peninsula perfect for entertaining. Upstairs, both bedrooms offer a clean modern aesthetic with plush carpeting, updated lighting, and generous closet space. The primary bedroom features an oversized layout with direct vanity access and plenty of room to unwind. Thoughtfully updated bathrooms add style and functionality with modern fixtures and finishes. Enjoy indoor-outdoor living with a private patio space ideal for relaxing after a day at the beach. Additional highlights include upgraded dual-pane windows and sliders, stylish lighting throughout, and a detached garage with additional storage potential. Located in a desirable coastal neighborhood near the beach, military bases, restaurants, bike paths, and easy freeway access, this move-in-ready home offers the perfect combination of comfort, style, and location.

Mortgage Calculator

Est. Monthly Payment

$5,021

Principal & Interest$3,605
Property Tax$649
Insurance$189
HOA$578
%($129,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Imperial Beach Charter · grades K-8 · South Bay Union

  • Middle

    Mar Vista Academy · grades 7-8 · Sweetwater Union High

  • High

    Mar Vista Senior High · grades 9-12 · Sweetwater Union High

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

42B
Est. Monthly Rent
$3,661

13 leases of 1–3 bed condos & townhomes within 1 mi · $2,878–$3,512

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% above what comparable homes leased for ($3,211). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$1,360
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,743

What would make this work?

$2,743/mo short at 20% down; 81% down or +$3,562/mo rent closes it.

Break-even price

55% under asking

$291,858
Break-even rent

$3,562/mo above the estimate

$7,223/mo
Cashflow at 35% down
−$2,067/mo
Down payment to break even

$525,690 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,605
Cap Rate
1.93%
Cash-on-Cash
-25.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.73

NOI (Annual)
$12,548
Price-to-Rent

Lower = better for investors

14.8

* 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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BCashflow−$2,743/mo