2055 Foxtrot Loop #1
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2055 Foxtrot Loop #1

Btop 30%

Chula Vista, CA 91915

$729,000
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: -$2,947/mo full cashflow at 20% down, 7.43% rate.

Works at $345,294 (53% under asking), or at 79% down.

Rent $3,877/mo from 11 leases of 3-bed condos & townhomes within 0.5 mi ($3,618–$3,865).

Beds

3

Baths

2.5

Sqft

1,653

Year Built

2017

Days on Market

97

Property Type

Townhouse

HOA/mo

$333

MLS ID

PTP2605953

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

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About This Property

2055 Foxtrot Loop #1 is a beautifully designed townhome located in the highly sought-after Millenia community of Otay Ranch. Originally selected as the community's model home, this residence reflects the quality, design, and attention to detail that helped showcase the neighborhood. Offering approximately 1,653 square feet of living space, this home features 3 bedrooms, 2.5 bathrooms, an open-concept floor plan, and high ceilings that create a bright and spacious feel throughout. The interior showcases upgraded flooring, modern finishes, abundant natural light, and a well-appointed kitchen that flows seamlessly into the living and dining areas, perfect for both everyday living and entertaining. Additional highlights include a private patio, an attached two-car garage, central air conditioning, and convenient in-home laundry. Residents enjoy access to exceptional community amenities, including a pool just steps away, along with nearby parks, shopping, dining, schools, and easy access to major transportation routes. The home is also within walking distance of the new Millenia Library, future home of SDSU's educational programs. Combining modern style, everyday comfort, and a prime location, this home offers an outstanding opportunity to enjoy all that Millenia has to offer. Seller offering a 2-1 rate buydown for qualified buyers. Enjoy lower monthly payments during the first two years of homeownership. Contact the listing agent for details.

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Est. Monthly Payment

$5,325

Principal & Interest$4,050
Property Tax$729
Insurance$213
HOA$333
%($145,800)
%
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.

Investment Score

42B
Est. Monthly Rent
$3,877

11 leases of 3-bed condos & townhomes within 0.5 mi · $3,618–$3,865

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,448
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,947

What would make this work?

$2,947/mo short at 20% down; 79% down or +$3,827/mo rent closes it.

Break-even price

53% under asking

$345,294
Break-even rent

$3,827/mo above the estimate

$7,704/mo
Cashflow at 35% down
−$2,188/mo
Down payment to break even

$575,910 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,050
Cap Rate
2.13%
Cash-on-Cash
-24.26%
DSCR

Need ≥ 1.25 for DSCR loan

0.73

NOI (Annual)
$15,560
Price-to-Rent

Lower = better for investors

15.7

* 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−$2,947/mo