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2045 Mindoro Ln #2

Atop 10%

Chula Vista, CA 91915

$575,000

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: -$2,224/mo full cashflow at 20% down, 7.43% rate.

Works at $285,500 (50% under asking), or at 76% down.

Rent $3,237/mo from 12 leases of 1–3 bed condos & townhomes within 0.5 mi ($3,133–$3,325).

Beds

Baths

2.5

Sqft

1,192

Year Built

2019

Days on Market

Property Type

Condo

HOA/mo

$300

MLS ID

260022936SD

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

Virtual Tour

About This Property

Enjoy the Otay Ranch lifestyle from this move-in-ready, upper-level 2-bedroom, 2.5-bath townhome in the Suwerte community. The bright, open-concept kitchen, dining, and living area creates an inviting space for everyday living and entertaining, with direct access to a private outdoor patio. Stainless steel appliances, laminate flooring throughout the main living area, and newer carpet in the bedrooms give the home a fresh, comfortable feel. The primary bedroom includes an ensuite bath, while the secondary bedroom has access to a full guest bath. The main level also includes a guest half bath, stackable laundry, and coat closet. A two-car garage is just down stairs from the unit entrance. Community amenities include a swimming pool, pickleball court, clubhouse, park, dog park, foosball, and more. With low HOA dues, Otay Ranch Town Center just minutes away, and convenient access to SR-125, this home offers an easy, low-maintenance lifestyle close to shopping, dining, recreation, and all that San Diego has to offer.

Mortgage Calculator

Est. Monthly Payment

$4,237

Principal & Interest$3,194

Property Tax$575

Insurance$168

HOA$300

Down Payment

%($115,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Wolf Canyon Elementary · grades K-6 · Chula Vista Elementary
Middle
Eastlake 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

$3,237

Comp Average

$3,317

2285 Whistling Ln

2bd / 2ba · 1,334 sqft · Condo

$559K

Est. $3,299/mo

2724 Slippery Elm

2bd / 2.5ba · 1,332 sqft · Condo

$575K

Est. $3,214/mo

2034 Luzon Lane

2bd / 2.5ba · 1,357 sqft · Condo

$635K

Est. $3,457/mo

2022 Quartet Loop

2bd / 2.5ba · 1,298 sqft · Townhouse

$630K

Est. $3,315/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

52A

Est. Monthly Rent

$3,237

12 leases of 1–3 bed condos & townhomes within 0.5 mi · $3,133–$3,325

Blended 50/50 with the zip's market median ($3,254)

Monthly Cashflow

Rent − PITIA

-$1,000

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,224

What would make this work?

$2,224/mo short at 20% down; 76% down or +$2,888/mo rent closes it.

Break-even price: $285,500
Break-even rent: $6,125/mo
Cashflow at 35% down: −$1,625/mo
Down payment to break even: 76%
Rate to break even: Not reachable

Mortgage (P+I)

$3,194

Cap Rate

2.36%

Cash-on-Cash

-23.21%

DSCR

Need ≥ 1.25 for DSCR loan

0.76

NOI (Annual)

$13,586

Price-to-Rent

Lower = better for investors

14.8

* 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−$2,224/mo