1291 Camino Carmelo 150

Btop 30%

Chula Vista, CA 91913

$749,999

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: -$2,941/mo full cashflow at 20% down, 7.43% rate.

Works at $367,185 (51% under asking), or at 77% down.

Rent $3,852/mo from 17 leases of 3-bed condos & townhomes in 91913 ($3,812–$4,143).

Beds

Baths

Sqft

1,710

Year Built

2019

Days on Market

Property Type

Townhouse

HOA/mo

$146

MLS ID

PTP2608023

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

About This Property

Stunning, move-in-ready end unit townhome nestled in the highly desirable, resort style community of The Village of Escaya! This 3/bedroom, 2.5 bathroom home features a versatile bonus loft, rich hardwood floors throughout, central A/C, and beautifully upgraded bathrooms. At the heart of the home, the open-concept chef’s kitchen boasts an expansive quartz island, stainless steel appliances, and a modern tile backsplash. The functional floor plan connects the kitchen to the main living and dining areas and opens directly to a private, enclosed yard ideal for indoor/outdoor relaxation and entertaining. Upstairs, enjoy a spacious primary suite with a large walk-in closet, well appointed secondary bedrooms, a full bonus loft, and a convenient second-level laundry room. Complete with an attached 2 car garage. Ideally located just steps from schools, neighborhood dining, and shopping. VA Approved!

Mortgage Calculator

Est. Monthly Payment

$5,281

Principal & Interest$4,167

Property Tax$750

Insurance$219

HOA$146

Down Payment

%($150,000)

Interest Rate

Loan Term

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.

Comparable Properties

5 comps found

This Property

$3,852

Comp Average

$3,850

1475 Egret

4bd / 3.5ba · 1,778 sqft · Townhouse

$699K

Est. $4,311/mo

1846 Rouge

3bd / 2.5ba · 1,500 sqft · Townhouse

$639K

Est. $3,717/mo

1354 Normandy Dr

3bd / 2.5ba · 1,500 sqft · Townhouse

$700K

Est. $3,649/mo

1431 Caminito Capistrano

3bd / 2.5ba · 1,695 sqft · Condo

$729K

Est. $3,763/mo

2004 Gypsy Ave

3bd / 3.5ba · 1,802 sqft · Condo

$728K

Est. $3,810/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

44B

Est. Monthly Rent

$3,852

17 leases of 3-bed condos & townhomes in 91913 · $3,812–$4,143

Blended 50/50 with the zip's market median ($3,690)

Monthly Cashflow

Rent − PITIA

-$1,430

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,941

What would make this work?

$2,941/mo short at 20% down; 77% down or +$3,819/mo rent closes it.

Break-even price: $367,185
Break-even rent: $7,671/mo
Cashflow at 35% down: −$2,159/mo
Down payment to break even: 77%
Rate to break even: Not reachable

Mortgage (P+I)

$4,167

Cap Rate

2.27%

Cash-on-Cash

-23.52%

DSCR

Need ≥ 1.25 for DSCR loan

0.73

NOI (Annual)

$17,024

Price-to-Rent

Lower = better for investors

16.2

* 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−$2,941/mo