1 / 20

226 Otay Valley Road #A

Atop 10%

Chula Vista, CA 91911

$499,990

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: -$1,761/mo full cashflow at 20% down, 7.43% rate.

Works at $270,722 (46% under asking), or at 71% down.

Rent $3,090/mo from 11 leases of 2–4 bed condos & townhomes within 2 mi ($3,060–$3,217).

Beds

Baths

1.5

Sqft

1,212

Year Built

1972

Days on Market

Property Type

Condo

HOA/mo

$300

MLS ID

PW26183193

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

About This Property

PRICED TO SELL! Welcome to your new home! This well-maintained 3-bedroom, 2-bath condo offers a comfortable and functional layout in a desirable community. As an end unit, the home provides added privacy and a more peaceful setting. For added convenience, the assigned parking spaces are located right outside the unit, making everyday living that much easier. Enjoy the community amenities, including a sparkling swimming pool and park, perfect for relaxing, recreation, and enjoying the Southern California lifestyle. Conveniently located near shopping, dining, schools, and major freeways, providing easy access throughout Chula Vista, San Diego, and surrounding areas. With its combination of privacy, convenient parking, community amenities, and great location, this Chula Vista condo is a wonderful opportunity for its next owner. Don't miss your chance to make it yours!

Mortgage Calculator

Est. Monthly Payment

$3,723

Principal & Interest$2,778

Property Tax$500

Insurance$146

HOA$300

Down Payment

%($99,998)

Interest Rate

Loan Term

Location

Loading map...

Zoned Schools

Elementary
Otay Elementary · grades PK-6 · Chula Vista Elementary
Middle
Castle Park Middle · grades 7-8 · Sweetwater Union High
High
Castle Park 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.

Comparable Properties

5 comps found

This Property

$3,090

Comp Average

$3,198

1434 Hilltop Dr.

4bd / 2ba · 1,296 sqft · Condo

$475K

Est. $3,555/mo

265 Rancho Dr

3bd / 1.5ba · 1,228 sqft · Townhouse

$530K

Est. $3,106/mo

238 Regency Ct

3bd / 1.5ba · 1,212 sqft · Condo

$560K

Est. $3,033/mo

266 Rancho Drive

3bd / 1.5ba · 1,228 sqft · Condo

$559K

Est. $3,141/mo

300 Rancho Drive

3bd / 1ba · 1,274 sqft · Townhouse

$570K

Est. $3,154/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

63A

Est. Monthly Rent

$3,090

11 leases of 2–4 bed condos & townhomes within 2 mi · $3,060–$3,217

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$634

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,761

What would make this work?

$1,761/mo short at 20% down; 71% down or +$2,287/mo rent closes it.

Break-even price: $270,722
Break-even rent: $5,377/mo
Cashflow at 35% down: −$1,240/mo
Down payment to break even: 71%
Rate to break even: Not reachable

Mortgage (P+I)

$2,778

Cap Rate

2.81%

Cash-on-Cash

-21.13%

DSCR

Need ≥ 1.25 for DSCR loan

0.83

NOI (Annual)

$14,054

Price-to-Rent

Lower = better for investors

13.5

* 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.

Open Full Calculator

ACashflow−$1,761/mo