
2065 Bravo Loop #5
Ctop 80%Chula Vista, CA 91915
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$4,036/mo full cashflow at 20% down, 7.43% rate.
Works at $344,559 (60% under asking), or at 87% down.
Rent $4,118/mo from 8 leases of 3-bed condos & townhomes within 0.5 mi ($4,352–$4,621).
Beds
3
Baths
3
Sqft
2,380
Year Built
2022
Days on Market
0
Property Type
Condo
HOA/mo
$525
MLS ID
PTP2607845
This property is in Chula Vista (91915). Browse neighborhood analytics →
About This Property
Welcome to ultimate resort-style luxury at the Pinnacle at Millenia in Otay Ranch! This exceptional Plan 5 corner penthouse unit is arguably situated in the absolute best, most private location within the entire development. Positioned thoughtfully at a distance from surrounding buildings, this home offers unique privacy, stunning mountain views, and direct pool views, all while being perfectly situated just steps away from guest parking and the community mailboxes. From the moment you arrive, the convenience is unmatched. Spanning a generous, functional layout with 2,380 sq feet of indoor living space and over 750 sq feet of outdoor living space, this home welcomes you with an abundance of natural light and refreshing cross-breezes throughout the day. The main living room boasts impressive 12-foot-high ceilings with expansive windows, creating an incredibly bright, airy, and open-concept environment, while the rest of the home features comfortable 10-foot ceilings. This property is packed with close to $100K in premium builder upgrades plus extensive, high-end aftermarket additions. As you explore, you will find gorgeous luxury vinyl plank (LVP) flooring through the main living areas, loft, and entry, beautifully accented by modern steel stair railings. The bedrooms and stairs feature upgraded, super-soft, extra-thick carpeting, while the bathrooms are finished with custom tile flooring. The chef's dream kitchen centers around a massive quartz waterfall island and features premium stainless steel appliances, a gas range, a custom tile backsplash, and upgraded custom lighting that extends into the dining room and entry. The main floor hosts 3 spacious bedrooms and 2 full bathrooms, including a primary suite with a custom lighted mirror. The loft has its own full bathroom with a shower, which brings the total bathroom count to 3 full bathrooms. A massive bonus feature: this rare penthouse is ADA compliant with 36-inch-wide doors—built as part of a very small, select percentage of units in the community—and stands as the closest penthouse to the accessible/handicapped parking spaces. For effortless daily living, a fully private elevator services the home, making it incredibly easy to transport groceries and heavy items directly from your attached 2-car garage straight to the main living floor and the top-level loft. Speaking of the garage, it features plenty of additional room for storage, complete with heavy-duty ceiling racks, plus a pre-installed Tesla EV charger ready for use on day one. Head upstairs to the versatile top-level loft, which features built-in cabinets, an integrated desk, a cozy porcelain-tiled fireplace, and its own full bathroom with a shower—easily functioning as an optional 4th bedroom or private guest suite. Remote-controlled ceiling fans are installed in both the living room and loft for customized climate comfort alongside smart thermostats. Transition seamlessly to outdoor living with over 750 sq. ft. of private outdoor space. This includes a large, relaxing balcony off the main living area and an expansive, private rooftop deck. The rooftop oasis is equipped with a premium electronic pergola, providing the perfect setup for open-air gatherings, weekend parties, or quiet evening relaxation. The Pinnacle at Millenia is a highly desirable, child- and pet-friendly community offering resort-caliber amenities. Enjoy access to a large heated pool, a relaxing spa, a dedicated playground, a fire pit perfect for cool nights and making s'mores, and a barbecue area complete with tables and chairs. Location is everything! You are conveniently situated about a mile from top-rated schools including Wolf Canyon Elementary School and Olympian High School. Enjoy being just a short walk away from the highly anticipated new $85 million modern library, a local film studio, fantastic neighborhood dining like Sura BBQ, and the vibrant Otay Ranch Town Center shopping hub!
Mortgage Calculator
Est. Monthly Payment
$6,482
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 foundThis Property
$4,118
Comp Average
$4,474
1808 Lynx Ter
4bd / 3.5ba · 2,612 sqft · Condo
$850K
Est. $4,659/mo
2088 Bravo
3bd / 2ba · 2,185 sqft · Condo
$800K
Est. $4,577/mo
2058 Quartet Loop
3bd / 2ba · 1,958 sqft · Condo
$795K
Est. $4,235/mo
2297 Treetop Lane
4bd / 2.5ba · 2,075 sqft · Condo
$870K
Est. $4,558/mo
2143 Element Way
3bd / 3.5ba · 2,157 sqft · Condo
$889K
Est. $4,342/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3-bed condos & townhomes within 0.5 mi · $4,352–$4,621
Blended 50/50 with the zip's market median ($3,756)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,036/mo short at 20% down; 87% down or +$5,242/mo rent closes it.
- Break-even price
- $344,559
- Break-even rent
- $9,360/mo
- Cashflow at 35% down
- −$3,130/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$5,242/mo above the estimate
$756,900 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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