265 Rancho Dr #C
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265 Rancho Dr #C

Atop 10%

Chula Vista, CA 91911

$530,000
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: -$2,079/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

Principal & Interest$2,944
Property Tax$530
Insurance$155
HOA$400
%($106,000)
%
Loan Term

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.

Investment Score

53A
Est. Monthly Rent
$3,106

15 leases of 2–4 bed condos & townhomes within 2 mi · $3,060–$3,209

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$923
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,079

What would make this work?

$2,079/mo short at 20% down; 77% down or +$2,701/mo rent closes it.

Break-even price

51% under asking

$259,262
Break-even rent

$2,701/mo above the estimate

$5,807/mo
Cashflow at 35% down
−$1,527/mo
Down payment to break even

$408,100 cash

77%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,944
Cap Rate
2.31%
Cash-on-Cash
-23.54%
DSCR

Need ≥ 1.25 for DSCR loan

0.77

NOI (Annual)
$12,243
Price-to-Rent

Lower = better for investors

14.2

* 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−$2,079/mo