2065 Bravo Loop #5
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2065 Bravo Loop #5

Ctop 80%

Chula Vista, CA 91915

$870,000
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: -$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 →

Virtual Tour

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

Principal & Interest$4,833
Property Tax$870
Insurance$254
HOA$525
%($174,000)
%
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

23C
Est. Monthly Rent
$4,118

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)

Monthly Cashflow

Rent − PITIA

-$2,364
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,036

What would make this work?

$4,036/mo short at 20% down; 87% down or +$5,242/mo rent closes it.

Break-even price

60% under asking

$344,559
Break-even rent

$5,242/mo above the estimate

$9,360/mo
Cashflow at 35% down
−$3,130/mo
Down payment to break even

$756,900 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,833
Cap Rate
1.38%
Cash-on-Cash
-27.84%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$12,033
Price-to-Rent

Lower = better for investors

17.6

* 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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CCashflow−$4,036/mo