205 Camlau Dr

205 Camlau Dr

Btop 30%

Chula Vista, CA 91911

$499,000
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: -$2,162/mo full cashflow at 20% down, 7.36% rate.

Works at $216,219 (57% under asking), or at 83% down.

Rent $3,029/mo from 11 leases of 2-bed condos & townhomes within 2 mi ($2,795–$3,142).

Beds

2

Baths

2

Sqft

1,125

Year Built

1987

Days on Market

0

Property Type

Condo

HOA/mo

$680

MLS ID

260026935SD

This property is in Chula Vista (91911). Browse neighborhood analytics →

About This Property

A private grassy backyard and single-level living set this ground-floor Summerwind condo apart in Chula Vista! The spacious 2-bedroom, 2-bath home features new windows throughout, luxury vinyl plank flooring, recessed lighting, crown molding, and A/C. The living room is anchored by a fireplace and opens through a slider to a covered patio and fenced lawn, ready for morning coffee or evening barbecues. The kitchen pairs granite counters with warm wood cabinetry, recessed lighting, under-cabinet lights, and stainless steel appliances, with a dining area just off the cooking space. The primary suite offers a walk-in closet, a sliding barn door, and an en-suite bath with a dual-sink vanity. The oversized second bedroom adds flexibility for guests or a home office, and refreshed tub/shower walls add a clean, updated feel. In-unit laundry keeps chores simple, parking includes a space in a detached garage plus an assigned spot, and the sparkling community pool is ready for warm San Diego afternoons. Hilltop Park, several schools, and Canyon Plaza shopping and dining are all close by, plus quick access to the 805. Move-in ready with key upgrades already done!

Mortgage Calculator

Est. Monthly Payment

$4,078

Principal & Interest$2,753
Property Tax$499
Insurance$146
HOA$680
%($99,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Cook (Hazel Goes) Elementary · grades PK-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.

Investment Score

46B
Est. Monthly Rent
$3,029

11 leases of 2-bed condos & townhomes within 2 mi · $2,795–$3,142

Blended 50/50 with the zip's market median ($3,000)

Monthly Cashflow

Rent − PITIA

-$1,049
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,162

What would make this work?

$2,162/mo short at 20% down; 83% down or +$2,807/mo rent closes it.

Break-even price

57% under asking

$216,219
Break-even rent

$2,807/mo above the estimate

$5,836/mo
Cashflow at 35% down
−$1,645/mo
Down payment to break even

$414,170 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,753
Cap Rate
1.79%
Cash-on-Cash
-25.99%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$8,915
Price-to-Rent

Lower = better for investors

13.7

* 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−$2,162/mo