265 Rancho Dr #C
Atop 10%Chula Vista, CA 91911
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$2,079/mo full cashflow at 20% down, 7.43% rate.
Works at $259,262 (51% under asking), or at 77% down.
Rent $3,106/mo from 15 leases of 2–4 bed condos & townhomes within 2 mi ($3,060–$3,209).
Beds
3
Baths
1.5
Sqft
1,228
Year Built
1977
Days on Market
287
Property Type
Townhouse
HOA/mo
$400
MLS ID
SW26019763
This property is in Chula Vista (91911). Browse neighborhood analytics →
About This Property
Eligible for $10,000 forgivable loan (no payments, no interest) to cover closing costs, rate buy-down and/or down payment. 100% financing available with NO mortgage insurance for qualified buyers.Short sale subject to lender approval. Property is being sold as-is. Please allow additional time for lender response.Bright corner-unit townhome in Rancho Rios with one of the best locations in the community. This two-story end unit offers three bedrooms, 1.5 baths, and two parking spaces—a rare find at this price point.The main level features a comfortable living room with fireplace, an upgraded kitchen with quartz counters and stainless steel appliances, a dining area, and a convenient half bath off the kitchen. A sliding door opens to a private fenced patio, with a full-size laundry room and extra storage directly off the patio.Upstairs are three well-sized bedrooms and a full bathroom.The community offers manicured walkways, a neighborhood park, and a pool just steps away. Shopping, dining, and daily essentials are within walking distance, and the 805, 5, and 905 freeways are minutes away for easy commuting.A clean, move-in-ready three-bedroom home at an excellent value—this one is priced to sell and subject to lender approval.Upstairs are three well-sized bedrooms and a full bathroom.The community offers manicured walkways, a neighborhood park, and a pool just steps away. Shopping, dining, and daily essentials are within walking distance, and the 805, 5, and 905 freeways are minutes away for easy commuting.A clean, move-in-ready three-bedroom home at an excellent value—this one is priced to sell.
Mortgage Calculator
Est. Monthly Payment
$4,029
Location
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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 foundThis Property
$3,106
Comp Average
$3,078
226 Otay Valley Road
3bd / 1.5ba · 1,212 sqft · Condo
$500K
Est. $3,090/mo
266 Rancho Drive
3bd / 1.5ba · 1,228 sqft · Condo
$559K
Est. $3,141/mo
238 Regency Ct
3bd / 1.5ba · 1,212 sqft · Condo
$560K
Est. $3,033/mo
300 Rancho Drive
3bd / 1ba · 1,274 sqft · Townhouse
$570K
Est. $3,154/mo
1675 Melrose Ave
3bd / 2ba · 1,074 sqft · Townhouse
$510K
Est. $2,973/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
15 leases of 2–4 bed condos & townhomes within 2 mi · $3,060–$3,209
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,079/mo short at 20% down; 77% down or +$2,701/mo rent closes it.
- Break-even price
- $259,262
- Break-even rent
- $5,807/mo
- Cashflow at 35% down
- −$1,527/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$2,701/mo above the estimate
$408,100 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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