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168 Whitney
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168 Whitney

Ctop 80%

Chula Vista, CA 91910

$849,000
NEW — 0d
STR limited · Chula Vista residents only · TOT 10%

Pass at asking: -$3,484/mo full cashflow at 20% down, 7.43% rate.

Works at $395,450 (53% under asking), or at 80% down.

Rent $3,944/mo from 11 leases of 2–4 bed houses within 1 mi ($3,794–$4,150).

Beds

3

Baths

2

Sqft

1,750

Year Built

1951

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026381SD

This property is in Chula Vista (91910). Browse neighborhood analytics →

About This Property

Homes on Chula Vista’s iconic Christmas Circle rarely come to market, and this well-maintained family home, located in a close-knit neighborhood is being offered for the very first time. Featuring 3 bedrooms, 2 bathrooms, and 1,750 square feet, the home offers beautiful hardwood floors, original character, and an updated kitchen that opens to a spacious newly added family room. The private, peaceful backyard provides space to relax or entertain, while solar panels and a whole-house fan add comfort and efficiency. Just a short walk to Third Avenue Village, with its restaurants, shops, coffee spots, and community events. Enjoy living in a neighborhood where neighbors know each other and community traditions are part of everyday life.

Mortgage Calculator

Est. Monthly Payment

$5,813

Principal & Interest$4,717
Property Tax$849
Insurance$248
%($169,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Hilltop Drive Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Hilltop Middle · grades 7-8 · Sweetwater Union High

  • High

    Hilltop 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

$3,944

vs

Comp Average

$3,968

389 First Avenue

389 First Avenue

3bd / 3ba · 1,852 sqft · Single Family

$800K

Est. $4,098/mo

135 Woodlawn Avenue

135 Woodlawn Avenue

3bd / 2ba · 1,684 sqft · Single Family

$800K

Est. $3,789/mo

208 Nixon

208 Nixon

3bd / 2ba · 1,604 sqft · Single Family

$827K

Est. $3,944/mo

122 Elder Avenue

122 Elder Avenue

3bd / 2ba · 1,926 sqft · Single Family

$840K

Est. $3,789/mo

755 Duoro Drive

755 Duoro Drive

3bd / 2.5ba · 1,766 sqft · Single Family

$950K

Est. $4,222/mo

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

Investment Score

36C
Est. Monthly Rent
$3,944

11 leases of 2–4 bed houses within 1 mi · $3,794–$4,150

Blended 50/50 with the zip's market median ($3,942)

Monthly Cashflow

Rent − PITIA

-$1,870
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,484

What would make this work?

$3,484/mo short at 20% down; 80% down or +$4,525/mo rent closes it.

Break-even price

53% under asking

$395,450
Break-even rent

$4,525/mo above the estimate

$8,469/mo
Cashflow at 35% down
−$2,600/mo
Down payment to break even

$679,200 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$4,717
Cap Rate
2.02%
Cash-on-Cash
-24.62%
DSCR

Need ≥ 1.25 for DSCR loan

0.68
NOI (Annual)
$17,155
Price-to-Rent

Lower = better for investors

17.9

* 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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CCashflow−$3,484/mo