
130 7th Street
Atop 10%National City, CA 91950
Pass at asking: -$2,261/mo full cashflow at 20% down, 7.43% rate.
Works at $280,697 (51% under asking), or at 77% down.
Rent $2,800/mo from 8 leases of 1–3 bed houses within 1 mi ($2,677–$3,060).
Beds
2
Baths
1
Sqft
783
Year Built
1945
Days on Market
75
Property Type
Single Family
HOA/mo
N/A
MLS ID
PTP2606482
This property is in National City (91950). Browse neighborhood analytics →
About This Property
Charming National City Cottage with Private Yard & No HOA! Why settle for condo living when you can have a home of your own? Thoughtfully designed with efficient use of space, this home offers the charm and functionality of a true cottage lifestyle without wasted square footage. Original hardwood floors, abundant natural light, and a warm, inviting feel create the charm and character throughout the home. The kitchen features granite countertops, generous built-in storage, and opens seamlessly to the dining area, creating an easy flow for everyday living and entertaining. Appliances are included, and the converted garage provides a dedicated laundry/utility space with washer and dryer hookups, along with additional flexible space ideal for a home office, studio, workout area, hobby room, or extra storage. Step outside to your own private, fully fenced backyard and discover your personal outdoor retreat. Whether it’s enjoying morning coffee, hosting weekend BBQs, creating a garden space, or relaxing with friends and pets, this backyard offers the perfect extension of the home. A gated driveway provides added privacy, convenience, and a feature rarely found at this price point. Centrally located in National City with convenient access to I-5, I-805, and SR-94, the home offers easy connectivity to Downtown San Diego, Chula Vista, Coronado, military installations, employment centers, shopping, dining, and public transportation. National City continues to experience significant investment and redevelopment, adding even more appeal to this central South Bay location. Property features a newer roof (2021), water heater (2020), Water main (2024) and updated electrical in the garage (2025.) Enjoy the affordability often associated with a condo, without the condo lifestyle. A private yard, your own driveway, and a place to truly call home. Your first home doesn’t have to feel like a compromise.
Mortgage Calculator
Est. Monthly Payment
$3,937
Location
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Zoned Schools
Elementary
Central Elementary · grades K-6 · National Elementary
Middle
National City Middle · grades 7-8 · Sweetwater Union High
High
Sweetwater 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
4 comps foundThis Property
$2,800
Comp Average
$2,955

2125 B Avenue
2bd / 1ba · 948 sqft · Single Family
$599K
Est. $3,055/mo
1418 17th Street
2bd / 1ba · 990 sqft · Single Family
$700K
Est. $3,290/mo
1638 Palm Avenue
3bd / 2ba · 994 sqft · Single Family
$635K
Est. $2,788/mo
140 Palm Ave
2bd / 1ba · 796 sqft · Single Family
$699K
Est. $2,685/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 1–3 bed houses within 1 mi · $2,677–$3,060
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,261/mo short at 20% down; 77% down or +$2,936/mo rent closes it.
- Break-even price
- $280,697
- Break-even rent
- $5,736/mo
- Cashflow at 35% down
- −$1,662/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$2,936/mo above the estimate
$442,749 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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