130 7th Street
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130 7th Street

Atop 10%

National City, CA 91950

$574,999

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 →

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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

Principal & Interest$3,194
Property Tax$575
Insurance$168
%($115,000)
%
Loan Term

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.

Investment Score

51A
Est. Monthly Rent
$2,800

8 leases of 1–3 bed houses within 1 mi · $2,677–$3,060

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,137
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,261

What would make this work?

$2,261/mo short at 20% down; 77% down or +$2,936/mo rent closes it.

Break-even price

51% under asking

$280,697
Break-even rent

$2,936/mo above the estimate

$5,736/mo
Cashflow at 35% down
−$1,662/mo
Down payment to break even

$442,749 cash

77%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,194
Cap Rate
2.24%
Cash-on-Cash
-23.59%
DSCR

Need ≥ 1.25 for DSCR loan

0.71

NOI (Annual)
$12,886
Price-to-Rent

Lower = better for investors

17.1

* 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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ACashflow−$2,261/mo