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2770 Sparta #9
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2770 Sparta #9

Atop 10%

Chula Vista, CA 91915

$649,000
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: -$2,401/mo full cashflow at 20% down, 7.43% rate.

Works at $336,394 (48% under asking), or at 74% down.

Rent $3,789/mo from 20 leases of 3–5 bed condos & townhomes within 2 mi ($3,497–$3,891).

Beds

4

Baths

2.5

Sqft

1,465

Year Built

2015

Days on Market

90

Property Type

Townhouse

HOA/mo

$334

MLS ID

PTP2605741

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

Virtual Tour

About This Property

Assumable VA loan offer at 4.5% for this beautifully maintained 4-bedroom end-unit townhome in the highly desirable Lake Pointe Community. With only one shared wall. Step inside to an inviting open-concept layout where the kitchen, dining, and living areas flow seamlessly together, perfect for entertaining guests. Ideally located just minutes from shopping, restaurants, top-rated schools, parks, the Chula Vista Elite Athlete Training Center, and scenic mountain trails, you’ll have everything you need right at your fingertips. Come see it for yourself and fall in love with all this beautiful home has to offer. Whether you’re a growing family, a first-time buyer, or simply looking for a place to call home, this is an opportunity you won’t want to miss.

Mortgage Calculator

Est. Monthly Payment

$4,778

Principal & Interest$3,605
Property Tax$649
Insurance$189
HOA$334
%($129,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Salt Creek 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.

Comparable Properties

5 comps found

This Property

$3,789

vs

Comp Average

$3,592

No photo

2025 Azure

3bd / 2ba · 1,321 sqft · Townhouse

$609K

Est. $3,476/mo

1335 Caminito Pietro

1335 Caminito Pietro

3bd / 3ba · 1,336 sqft · Townhouse

$648K

Est. $3,557/mo

2834 Athens Road

2834 Athens Road

4bd / 2ba · 1,430 sqft · Condo

$649K

Est. $3,687/mo

1514 Crown Lane

1514 Crown Lane

3bd / 2.5ba · 1,331 sqft · Townhouse

$650K

Est. $3,592/mo

3002 Bravo Loop

3002 Bravo Loop

3bd / 2ba · 1,433 sqft · Condo

$650K

Est. $3,650/mo

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

Investment Score

53A
Est. Monthly Rent
$3,789

20 leases of 3–5 bed condos & townhomes within 2 mi · $3,497–$3,891

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$988
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,401

What would make this work?

$2,401/mo short at 20% down; 74% down or +$3,118/mo rent closes it.

Break-even price

48% under asking

$336,394
Break-even rent

$3,118/mo above the estimate

$6,907/mo
Cashflow at 35% down
−$1,725/mo
Down payment to break even

$480,260 cash

74%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,605
Cap Rate
2.58%
Cash-on-Cash
-22.20%
DSCR

Need ≥ 1.25 for DSCR loan

0.79
NOI (Annual)
$16,730
Price-to-Rent

Lower = better for investors

14.3

* 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−$2,401/mo