485 Montcalm St
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485 Montcalm St

Ctop 80%

Chula Vista, CA 91911

$899,000
NEW — 0d

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

Principal & Interest$4,994
Property Tax$899
Insurance$262
%($179,800)
%
Loan Term

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.

Investment Score

27C
Est. Monthly Rent
$3,814

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)

Monthly Cashflow

Rent − PITIA

-$2,341
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,968

What would make this work?

$3,968/mo short at 20% down; 84% down or +$5,153/mo rent closes it.

Break-even price

57% under asking

$382,308
Break-even rent

$5,153/mo above the estimate

$8,967/mo
Cashflow at 35% down
−$3,031/mo
Down payment to break even

$755,160 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,994
Cap Rate
1.62%
Cash-on-Cash
-26.48%
DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)
$14,608
Price-to-Rent

Lower = better for investors

19.6

* 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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CCashflow−$3,968/mo