
485 Montcalm St
Ctop 80%Chula Vista, CA 91911
Pass at asking: -$3,968/mo full cashflow at 20% down, 7.43% rate.
Works at $382,308 (57% under asking), or at 84% down.
Rent $3,814/mo from 8 leases of 2–4 bed houses within 1 mi ($3,603–$4,031).
Beds
3
Baths
2
Sqft
1,485
Year Built
1960
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026415SD
This property is in Chula Vista (91911). Browse neighborhood analytics →
About This Property
Welcome to 485 Montcalm Street! Tucked away on a quiet street in one of Chula Vista’s most convenient locations, this beautifully renovated 3-bedroom, 2-bath home offers the perfect blend of modern comfort, style, and everyday convenience. Featuring 1,485 square feet of thoughtfully updated living space, the home showcases a beautifully remodeled kitchen with new cabinetry, countertops, and backsplash, renovated bathrooms, updated flooring, fresh interior and exterior paint, and modern finishes throughout. Step outside to a newly landscaped backyard situated on a generous 7,100-square-foot lot, offering plenty of space for entertaining, outdoor dining, weekend gatherings, or simply relaxing and enjoying Southern California’s year-round sunshine. Additional highlights include a 2-car garage, updated heating and cooling systems, windows, and plumbing improvements. Ideally located near schools, shopping, dining, and major freeways, this home provides easy access to everything San Diego has to offer while maintaining the charm of a quiet residential street. Enjoy the Southern California lifestyle with easy access to beaches, downtown San Diego, and everyday conveniences, all at a more approachable price point than many coastal communities. Beautifully refreshed, move-in ready, and ideally located, this is an opportunity you won’t want to miss!
Mortgage Calculator
Est. Monthly Payment
$6,156
Location
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Zoned Schools
Elementary
Rogers (Greg) Elementary · grades PK-6 · Chula Vista Elementary
Middle
Hilltop Middle · grades 7-8 · Sweetwater Union High
High
Hilltop 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
$3,814
Comp Average
$3,794
1109 Nolan Avenue
3bd / 2ba · 1,461 sqft · Single Family
$795K
Est. $3,746/mo
855 Jefferson Avenue
3bd / 2ba · 1,403 sqft · Single Family
$789K
Est. $3,692/mo
505 Timber Street
3bd / 2ba · 1,322 sqft · Single Family
$840K
Est. $3,607/mo
962 Nacion Ave.
3bd / 2ba · 1,670 sqft · Single Family
$939K
Est. $4,136/mo
451 Montcalm St
3bd / 2ba · 1,416 sqft · Single Family
$899K
Est. $3,788/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 2–4 bed houses within 1 mi · $3,603–$4,031
Blended 50/50 with the zip's market median ($3,836)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,968/mo short at 20% down; 84% down or +$5,153/mo rent closes it.
- Break-even price
- $382,308
- Break-even rent
- $8,967/mo
- Cashflow at 35% down
- −$3,031/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$5,153/mo above the estimate
$755,160 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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