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1846 Rouge

Atop 10%

Chula Vista, CA 91913

$639,000

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: -$2,323/mo full cashflow at 20% down, 7.43% rate.

Works at $336,469 (47% under asking), or at 73% down.

Rent $3,717/mo from 10 leases of 3-bed condos & townhomes within 0.5 mi ($3,516–$3,724).

Beds

Baths

2.5

Sqft

1,500

Year Built

2004

Days on Market

Property Type

Townhouse

HOA/mo

$278

MLS ID

260023258SD

This property is in Chula Vista (91913). Browse neighborhood analytics →

Virtual Tour

About This Property

Well-maintained and move-in ready 3-bedroom, 2.5-bathroom townhouse in desirable Otay Ranch! This inviting home features an open floor plan with abundant natural light and a spacious, comfortable layout. The first floor offers a bright living area and kitchen with granite countertops and tile flooring. A convenient half bathroom is located downstairs, along with a spacious under-stair storage room featuring brand-new carpet. Upstairs, the spacious primary suite is accompanied by two additional bedrooms and a shared full bathroom. A full-size laundry closet is also conveniently located on the second floor. Luxury vinyl flooring runs throughout most of the second floor, with one bedroom featuring brand-new carpet. Additional features include a two-car attached garage and a private backyard, perfect for relaxing or entertaining. Enjoy a convenient Otay Ranch location close to shopping, restaurants, parks, trails, and freeway access. Top-rated schools make this an excellent place to call home!

Mortgage Calculator

Est. Monthly Payment

$4,653

Principal & Interest$3,550

Property Tax$639

Insurance$186

HOA$278

Down Payment

%($127,800)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Veterans Elementary · grades K-6 · Chula Vista Elementary
Middle
Rancho del Rey Middle · grades 7-8 · Sweetwater Union High
High
Olympian 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

$3,717

Comp Average

$3,630

1241 Santa Cora Avenue

3bd / 2.5ba · 1,385 sqft · Condo

$579K

Est. $3,514/mo

1354 Normandy Dr

3bd / 2.5ba · 1,500 sqft · Townhouse

$700K

Est. $3,649/mo

1291 Camino Carmelo

3bd / 2.5ba · 1,710 sqft · Townhouse

$750K

Est. $3,798/mo

1831 Via Capri

3bd / 2.5ba · 1,379 sqft · Townhouse

$669K

Est. $3,541/mo

1812 Olive Green Street

3bd / 3ba · 1,565 sqft · Condo

$699K

Est. $3,648/mo

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

Investment Score

55A

Est. Monthly Rent

$3,717

10 leases of 3-bed condos & townhomes within 0.5 mi · $3,516–$3,724

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$936

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,323

What would make this work?

$2,323/mo short at 20% down; 73% down or +$3,017/mo rent closes it.

Break-even price: $336,469
Break-even rent: $6,734/mo
Cashflow at 35% down: −$1,658/mo
Down payment to break even: 73%
Rate to break even: Not reachable

Mortgage (P+I)

$3,550

Cap Rate

2.65%

Cash-on-Cash

-21.82%

DSCR

Need ≥ 1.25 for DSCR loan

0.80

NOI (Annual)

$16,949

Price-to-Rent

Lower = better for investors

14.3

* 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−$2,323/mo