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1434 Hilltop Dr. #30

Atop 10%

Chula Vista, CA 91911

$474,900

NEW — 0d

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: -$1,427/mo full cashflow at 20% down, 7.49% rate.

Works at $289,922 (39% under asking), or at 64% down.

Rent $3,684/mo from 16 leases of condos & townhomes within 2 mi, size-adjusted ($3,139–$3,349).

Beds

Baths

Sqft

1,296

Year Built

1973

Days on Market

Property Type

Condo

HOA/mo

$600

MLS ID

260026282SD

This property is in Chula Vista (91911). Browse neighborhood analytics →

About This Property

Fully remodeled 4 bedroom, 2 bathroom condo with 1,296 square feet of living space in the heart of Chula Vista. Four bedrooms are hard to find at this price point, one bedroom located on the first level, giving you room for a home office, guest room, or extra flexibility. The home was remodeled top to bottom with roughly $90,000 in upgrades, so it’s move-in ready. Conveniently located near Castle Park High School, with easy access to shopping, dining, and major freeways. Offered at $474,900.

Mortgage Calculator

Est. Monthly Payment

$3,867

Principal & Interest$2,654

Property Tax$475

Insurance$139

HOA$600

Down Payment

%($94,980)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Loma Verde Elementary · grades PK-6 · Chula Vista Elementary
Middle
Castle Park Middle · grades 7-8 · Sweetwater Union High
High
Castle Park 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

$3,684

Comp Average

$3,105

226 Otay Valley Road

3bd / 1.5ba · 1,212 sqft · Condo

$500K

Est. $3,090/mo

265 Rancho Dr

3bd / 1.5ba · 1,228 sqft · Townhouse

$530K

Est. $3,106/mo

238 Regency Ct

3bd / 1.5ba · 1,212 sqft · Condo

$560K

Est. $3,033/mo

266 Rancho Drive

3bd / 1.5ba · 1,228 sqft · Condo

$570K

Est. $3,141/mo

300 Rancho Drive

3bd / 1ba · 1,274 sqft · Townhouse

$570K

Est. $3,154/mo

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

Investment Score

70A

Est. Monthly Rent

$3,684

16 leases of condos & townhomes within 2 mi, size-adjusted · $3,139–$3,349

Blended 50/50 with the zip's market median ($4,091)

Monthly Cashflow

Rent − PITIA

-$184

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,427

What would make this work?

$1,427/mo short at 20% down; 64% down or +$1,853/mo rent closes it.

Break-even price: $289,922
Break-even rent: $5,537/mo
Cashflow at 35% down: −$929/mo
Down payment to break even: 64%
Rate to break even: 1.03%

Mortgage (P+I)

$2,654

Cap Rate

3.57%

Cash-on-Cash

-18.03%

DSCR

Need ≥ 1.25 for DSCR loan

0.95

NOI (Annual)

$16,935

Price-to-Rent

Lower = better for investors

10.7

* Modelled at 20% down, 7.49% 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−$1,427/mo