1108 Camino Prado
1 / 20

1108 Camino Prado

Ctop 80%

Chula Vista, CA 91913

$999,999
STR limited · Chula Vista residents only · TOT 10%

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

Pass at asking: -$4,051/mo full cashflow at 20% down, 7.43% rate.

Works at $472,517 (53% under asking), or at 79% down.

Rent $4,903/mo from 8 leases of 3–5 bed houses within 0.5 mi, same school area ($4,708–$4,778).

Beds

4

Baths

3

Sqft

2,021

Year Built

2019

Days on Market

55

Property Type

Single Family

HOA/mo

$146

MLS ID

PTP2607004

This property is in Chula Vista (91913). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to 1108 Camino Prado — where location, lifestyle, and low-maintenance living come together in one of Chula Vista's most sought-after communities. This beautifully appointed 4-bedroom, 3-bathroom home offers the perfect blend of comfort and convenience, ideally positioned directly across the street from the park and elementary school — making morning drop-offs and weekend afternoons effortless. The community pool, shops, and restaurants are all just a short stroll away, putting everything you need right at your doorstep. Step inside and you'll immediately appreciate the thoughtful layout, featuring a main-level bedroom and full bathroom, ideal for guests, multigenerational living, or a private home office. The open-concept living spaces flow seamlessly, offering flexibility for both everyday life and entertaining. Outside, the home truly shines. Both the front and backyard are finished with low-maintenance turf, keeping your weekends free while maintaining year-round curb appeal. The covered patio and outdoor BBQ set the scene for Southern California living at its finest — whether you're hosting family gatherings or unwinding after a long day. With 4 spacious bedrooms and 3 full bathrooms, there's room for everyone to spread out and make this house their home.

Mortgage Calculator

Est. Monthly Payment

$6,993

Principal & Interest$5,555
Property Tax$1,000
Insurance$292
HOA$146
%($200,000)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Fahari L. Jeffers Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Rancho del Rey Middle · grades 7-8 · Sweetwater Union High

  • High

    Otay Ranch 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

31C
Est. Monthly Rent
$4,903

8 leases of 3–5 bed houses within 0.5 mi, same school area · $4,708–$4,778

Blended 50/50 with the zip's market median ($5,065)

Monthly Cashflow

Rent − PITIA

-$2,090
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,051

What would make this work?

$4,051/mo short at 20% down; 79% down or +$5,262/mo rent closes it.

Break-even price

53% under asking

$472,517
Break-even rent

$5,262/mo above the estimate

$10,165/mo
Cashflow at 35% down
−$3,010/mo
Down payment to break even

$789,999 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,555
Cap Rate
2.10%
Cash-on-Cash
-24.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.70

NOI (Annual)
$20,990
Price-to-Rent

Lower = better for investors

17.0

* 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.

Open Full Calculator
CCashflow−$4,051/mo