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2285 Whistling Ln
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2285 Whistling Ln

Atop 10%

Chula Vista, CA 91915

$559,000
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: -$2,020/mo full cashflow at 20% down, 7.43% rate.

Works at $296,022 (47% under asking), or at 73% down.

Rent $3,299/mo from 8 leases of 1–3 bed condos & townhomes within 0.5 mi ($3,244–$3,489).

Beds

2

Baths

2

Sqft

1,334

Year Built

2005

Days on Market

183

Property Type

Condo

HOA/mo

$267

MLS ID

PTP2603611

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

Virtual Tour

About This Property

Newer home built in 2005, with a desirable layout conveniently located near schools, shopping, park, lake, and the 125 freeway in the sought-after Winding Walk community of Eastlake. This corner unit offers added privacy and features recessed lighting, a balcony, full sized laundry, and an attached one car garage. The front of this home enjoys unobstructed views of the additional parking spaces, leased solar - add to the home's appeal - along with access to community's wonderful amenities. The super nice and motivated seller is excited to hand over the keys to the next lucky homeowner.

Mortgage Calculator

Est. Monthly Payment

$4,095

Principal & Interest$3,105
Property Tax$559
Insurance$163
HOA$267
%($111,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Camarena (Enrique S.) 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 found

This Property

$3,299

vs

Comp Average

$3,423

2045 Mindoro Ln

2045 Mindoro Ln

2bd / 2.5ba · 1,192 sqft · Condo

$575K

Est. $3,237/mo

2724 Slippery Elm

2724 Slippery Elm

2bd / 2.5ba · 1,332 sqft · Condo

$575K

Est. $3,214/mo

2034 Luzon Lane

2034 Luzon Lane

2bd / 2.5ba · 1,357 sqft · Condo

$635K

Est. $3,457/mo

1218 La Vida Ct

1218 La Vida Ct

3bd / 2.5ba · 1,334 sqft · Condo

$760K

Est. $3,908/mo

2054 Foxtrot Loop

2054 Foxtrot Loop

2bd / 2.5ba · 1,298 sqft · Condo

$675K

Est. $3,299/mo

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

Investment Score

59A
Est. Monthly Rent
$3,299

8 leases of 1–3 bed condos & townhomes within 0.5 mi · $3,244–$3,489

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$795
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,020

What would make this work?

$2,020/mo short at 20% down; 73% down or +$2,623/mo rent closes it.

Break-even price

47% under asking

$296,022
Break-even rent

$2,623/mo above the estimate

$5,922/mo
Cashflow at 35% down
−$1,438/mo
Down payment to break even

$408,070 cash

73%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,105
Cap Rate
2.68%
Cash-on-Cash
-21.68%
DSCR

Need ≥ 1.25 for DSCR loan

0.81
NOI (Annual)
$15,004
Price-to-Rent

Lower = better for investors

14.1

* 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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ACashflow−$2,020/mo