2607 Cactus Trail Lane

2607 Cactus Trail Lane

Ctop 80%

Chula Vista, CA 91915

$989,000
NEW — 1d

Pass at asking: -$4,167/mo full cashflow at 20% down, 7.49% rate.

Works at $448,617 (55% under asking), or at 81% down.

Rent $4,672/mo from 11 leases of 4-bed houses within 1 mi ($4,051–$4,599).

Beds

4

Baths

3

Sqft

1,856

Year Built

2002

Days on Market

1

Property Type

Single Family

HOA/mo

$137

MLS ID

PTP2608109

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

About This Property

Welcome home to 2607 Cactus Trail Lane, a beautifully refreshed residence where modern updates meet effortless comfort. This 4-bedroom, 3-bathroom home spans 1,856 square feet of living space that feels bright, airy, and completely rejuvenated. Step inside to discover a seamless flow highlighted by Luxury Vinyl Plank (LVP) flooring that runs throughout the entire home—offering both high-end style and everyday durability. The interior and exterior have been recently painted in a crisp, contemporary palette, providing a clean slate for your personal touch. With all the heavy lifting already done, this home is truly move-in ready. The layout is designed for easy living, with plenty of room to spread out and enjoy. Beyond the front door, you are perfectly positioned to enjoy the best of the community. The backyard is low-maintenance with a stamped concrete patio and patio cover. This home is located within top-rated Eastlake schools and is just a short walk away from the community pool, local Little League fields, and the neighborhood park, making it easy to enjoy the vibrant Chula Vista lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,941

Principal & Interest$5,527
Property Tax$989
Insurance$288
HOA$137
%($197,800)
%
Loan Term

Location

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Investment Score

28C
Est. Monthly Rent
$4,672

11 leases of 4-bed houses within 1 mi · $4,051–$4,599

Blended 50/50 with the zip's market median ($5,076)

Monthly Cashflow

Rent − PITIA

-$2,269
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,167

What would make this work?

$4,167/mo short at 20% down; 81% down or +$5,412/mo rent closes it.

Break-even price

55% under asking

$448,617
Break-even rent

$5,412/mo above the estimate

$10,084/mo
Cashflow at 35% down
−$3,131/mo
Down payment to break even

$801,090 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,527
Cap Rate
1.93%
Cash-on-Cash
-25.28%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$19,114
Price-to-Rent

Lower = better for investors

17.6

* Modelled at 20% down, 7.49% 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−$4,167/mo