2044 Bluestone Circle

2044 Bluestone Circle

Btop 30%

Chula Vista, CA 91913

$640,000
NEW — 0d

Pass at asking: -$2,572/mo full cashflow at 20% down, 7.43% rate.

Works at $305,166 (52% under asking), or at 78% down.

Rent $3,540/mo from 28 leases of 3-bed condos & townhomes within 2 mi ($3,299–$3,555).

Beds

3

Baths

2.5

Sqft

1,316

Year Built

2022

Days on Market

0

Property Type

Condo

HOA/mo

$382

MLS ID

IG26239118

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

About This Property

Welcome to Bluestone Circle, CALIFORNIA LIVING AT ITS BEST! A beautiful & nearly new residence offering the perfect blend of modern elegance, energy efficiency WITH PAID OF SOLAR PANELS, & a RESORT-STYLE living in the desirable community of Chula Vista, this home will check all your boxes! Featuring 3 spacious bedrooms and 2.5 bathrooms, this thoughtfully designed home showcases contemporary finishes, an inviting open-concept floor plan, and an abundance of natural light throughout. At the heart of the home is a stunning modern kitchen featuring a generous center island, ideal for entertaining, casual dining, and everyday gatherings. The kitchen flows seamlessly into the spacious living and dining areas, creating an atmosphere that is both sophisticated and welcoming. Thoughtful design, stylish finishes, and comfortable living spaces make this home truly move-in ready. Adding exceptional value are the fully paid-off solar panels, offering energy efficiency and potential long-term savings without the burden of a solar lease or payment. Step outside and embrace the Southern California lifestyle with inviting outdoor spaces and beautifully maintained surroundings. Residents enjoy access to resort-style community amenities, providing opportunities for relaxation, recreation, and connection. The neighborhood offers a peaceful, welcoming atmosphere while remaining conveniently located near shopping, restaurants, schools, parks, and everyday essentials. What makes this location especially appealing is the exciting growth taking place throughout the surrounding area. With new businesses, amenities, and continued development, the community offers an attractive balance of modern convenience, neighborhood charm, and future potential. Nearly new, beautifully designed, energy-efficient, and surrounded by resort-inspired amenities, 2044 Bluestone Circle offers more than just a home--it delivers an exceptional lifestyle in one of Chula Vista's evolving communities.

Mortgage Calculator

Est. Monthly Payment

$4,764

Principal & Interest$3,555
Property Tax$640
Insurance$187
HOA$382
%($128,000)
%
Loan Term

Location

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Investment Score

47B
Est. Monthly Rent
$3,540

28 leases of 3-bed condos & townhomes within 2 mi · $3,299–$3,555

Blended 50/50 with the zip's market median ($3,673)

Monthly Cashflow

Rent − PITIA

-$1,224
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,572

What would make this work?

$2,572/mo short at 20% down; 78% down or +$3,340/mo rent closes it.

Break-even price

52% under asking

$305,166
Break-even rent

$3,340/mo above the estimate

$6,880/mo
Cashflow at 35% down
−$1,905/mo
Down payment to break even

$499,200 cash

78%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,555
Cap Rate
2.18%
Cash-on-Cash
-24.11%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$13,926
Price-to-Rent

Lower = better for investors

15.1

* 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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BCashflow−$2,572/mo