2495 Mackenzie Creek Road
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2495 Mackenzie Creek Road

Ctop 80%

Chula Vista, CA 91914

$945,900
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: -$3,903/mo full cashflow at 20% down, 7.43% rate.

Works at $437,726 (54% under asking), or at 80% down.

Rent $4,625/mo from 8 leases of 3–5 bed houses within 1 mi ($4,409–$5,254).

Beds

4

Baths

2.5

Sqft

1,895

Year Built

2001

Days on Market

84

Property Type

Single Family

HOA/mo

$199

MLS ID

PTP2606296

This property is in Chula Vista (91914). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to Prestigious Rolling Hills Ranch! Discover this beautifully appointed home offering an inviting blend of elegance, comfort, and modern living in one of Chula Vista’s most desirable communities—with NO Mello-Roos tax! Soaring vaulted ceilings and an abundance of natural light create a bright and welcoming atmosphere from the moment you enter. The spacious chef’s kitchen is designed for both everyday living and entertaining, featuring beautiful granite countertops, an oversized island, and top-of-the-line stainless steel appliances, including a refrigerator. Rich engineered hardwood flooring adds warmth and sophistication throughout the main living areas, while the cozy dual-sided fireplace creates the perfect ambiance. The primary suite offers a custom walk-in built-in closet designed for exceptional organization and storage. Enjoy the convenience of an upstairs laundry room and central A/C. Brand new roof! Step outside to a drought-tolerant, fenced front yard designed for easy maintenance. Lovely backyard with new hardscape/landscape! As a resident of Rolling Hills Ranch, enjoy resort-style amenities including five community pools, BBQ areas, and tennis courts. Ideally located within walking distance to Thurgood Marshall Elementary, Eastlake Middle School, and Eastlake High School, with shopping, dining, parks, and major freeways conveniently nearby.

Mortgage Calculator

Est. Monthly Payment

$6,676

Principal & Interest$5,255
Property Tax$946
Insurance$276
HOA$199
%($189,180)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Marshall (Thurgood) Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Eastlake Middle · grades 7-8 · Sweetwater Union High

  • High

    Eastlake 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

31C
Est. Monthly Rent
$4,625

8 leases of 3–5 bed houses within 1 mi · $4,409–$5,254

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,051
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,903

What would make this work?

$3,903/mo short at 20% down; 80% down or +$5,069/mo rent closes it.

Break-even price

54% under asking

$437,726
Break-even rent

$5,069/mo above the estimate

$9,694/mo
Cashflow at 35% down
−$2,917/mo
Down payment to break even

$756,720 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,255
Cap Rate
2.01%
Cash-on-Cash
-24.76%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$19,000
Price-to-Rent

Lower = better for investors

17.0

* 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−$3,903/mo