1465 Caminito Sardinia

Btop 30%

Chula Vista, CA 91915

$640,000

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: -$2,599/mo full cashflow at 20% down, 7.36% rate.

Works at $300,000 (53% under asking), or at 79% down.

Rent $3,546/mo from 13 leases of 2–4 bed condos & townhomes within 0.5 mi ($3,203–$3,481).

Beds

Baths

Sqft

1,296

Year Built

2005

Days on Market

Property Type

Condo

HOA/mo

$438

MLS ID

PTP2608369

This property is in Chula Vista (91915). Browse neighborhood analytics →

Virtual Tour

About This Property

A bright corner home, your own two-car garage, and weekends by the pool, there’s a lot to love about life at The Summit. This three-bedroom residence offers abundant natural light from windows on three sides, plank flooring, and a dual-sided fireplace that brings warmth to the living and dining areas. An interior staircase leads to the entire living space on one level, with the primary suite on the opposite side from the two additional bedrooms for added privacy. A large laundry room with storage and an attached side-by-side garage with direct access make everyday living easier. Enjoy community pools, a spa, gym, BBQ areas, and a playground, with shopping, dining, parks, Otay Ranch Town Center, and SR-125 nearby. Whether you’re buying your first home or starting your next chapter, this one belongs on your must-see list.

Mortgage Calculator

Est. Monthly Payment

$4,796

Principal & Interest$3,531

Property Tax$640

Insurance$187

HOA$438

Down Payment

%($128,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Olympic View Elementary · grades PK-6 · Chula Vista Elementary
Middle
Eastlake Middle · grades 7-8 · Sweetwater Union High
High
Eastlake 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

$3,546

Comp Average

$3,512

1218 La Vida Ct

3bd / 2.5ba · 1,334 sqft · Condo

$740K

Est. $3,856/mo

2724 Slippery Elm

2bd / 2.5ba · 1,332 sqft · Condo

$575K

Est. $3,214/mo

1228 La Vida Ct

3bd / 2.5ba · 1,395 sqft · Condo

$720K

Est. $3,671/mo

2024 Foxtrot Loop

3bd / 2.5ba · 1,384 sqft · Condo

$699K

Est. $3,521/mo

2054 Foxtrot Loop

2bd / 2.5ba · 1,298 sqft · Condo

$675K

Est. $3,299/mo

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

Investment Score

45B

Est. Monthly Rent

$3,546

13 leases of 2–4 bed condos & townhomes within 0.5 mi · $3,203–$3,481

Blended 50/50 with the zip's market median ($3,746)

Monthly Cashflow

Rent − PITIA

-$1,250

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,599

What would make this work?

$2,599/mo short at 20% down; 79% down or +$3,375/mo rent closes it.

Break-even price: $300,000
Break-even rent: $6,921/mo
Cashflow at 35% down: −$1,937/mo
Down payment to break even: 79%
Rate to break even: Not reachable

Mortgage (P+I)

$3,531

Cap Rate

2.08%

Cash-on-Cash

-24.37%

DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)

$13,313

Price-to-Rent

Lower = better for investors

15.0

* 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−$2,599/mo