1137 Quinto Creek Pl
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1137 Quinto Creek Pl

Btop 30%

Chula Vista, CA 91913

$985,000
NEW — 1d
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: -$3,759/mo full cashflow at 20% down, 7.36% rate.

Works at $493,041 (50% under asking), or at 76% down.

Rent $5,069/mo from 8 leases of 4–6 bed houses within 1 mi, same school area ($4,170–$4,427). Previously leased for $4,900.

Beds

5

Baths

3

Sqft

1,858

Year Built

2002

Days on Market

1

Property Type

Single Family

HOA/mo

$135

MLS ID

260026859SD

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

About This Property

Light-filled interiors, warm finishes, and a private backyard with no rear neighbors define this five-bedroom, three-bath Otay Ranch home on a quiet cul-de-sac. Offering approximately 1,858 square feet, the two-story layout features dramatic double-height ceilings in the front living area, a separate dining space, and an inviting family room with a fireplace that opens to the kitchen. Rich wood cabinetry, granite countertops, stainless steel appliances, an island with seating, and a walk-in pantry create a welcoming space for everyday living and entertaining. A downstairs bedroom and full bathroom provide flexibility for guests or a home office. Upstairs, the primary suite features a walk-in closet, dual-sink vanity, soaking tub, and separate shower. Recent improvements include fresh interior and exterior paint, roof and HVAC servicing, and termite clearance. Backing to open space, the backyard offers a spacious patio with a pergola and low-maintenance turf for easy outdoor enjoyment. An interior laundry room and attached two-car garage complete the home.

Mortgage Calculator

Est. Monthly Payment

$6,842

Principal & Interest$5,434
Property Tax$985
Insurance$287
HOA$135
%($197,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    McMillin (Corky) Elementary · grades K-6 · Chula Vista Elementary

  • Middle

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

  • High

    Olympian 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

37B
Est. Monthly Rent
$5,069

Previously leased for $4,900

8 leases of 4–6 bed houses within 1 mi, same school area · $4,170–$4,427

Monthly Cashflow

Rent − PITIA

-$1,772
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,759

What would make this work?

$3,759/mo short at 20% down; 76% down or +$4,882/mo rent closes it.

Break-even price

50% under asking

$493,041
Break-even rent

$4,882/mo above the estimate

$9,951/mo
Cashflow at 35% down
−$2,740/mo
Down payment to break even

$748,600 cash

76%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,434
Cap Rate
2.35%
Cash-on-Cash
-22.90%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$23,145
Price-to-Rent

Lower = better for investors

16.2

* Modelled at 20% down, 7.36% 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−$3,759/mo