50 F Chula
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50 F Chula

Dbottom 20%

Chula Vista, CA 91910

$3,499,900

Pass at asking: -$21,352/mo full cashflow at 20% down, 7.43% rate.

Works at $719,928 (79% under asking); even all cash loses money at asking.

Rent $7,181/mo from 12 leases of 3–5 bed houses within 2 mi ($6,617–$7,498).

Beds

4

Baths

4.5

Sqft

5,400

Year Built

2025

Days on Market

58

Property Type

Single Family

HOA/mo

N/A

MLS ID

260022451SD

This property is in Chula Vista (91910). Browse neighborhood analytics →

Virtual Tour

About This Property

PRIVACY MEETS LUXURY!!! Rare custom single-level estate offering approximately 5,400 sq ft of living space, a four car attached garage, an attached JADU w/ separate entry; along w/(+/-) 3,000 sq ft detached six-car garage with a full bedroom & bath included. The versatile garage offers future guest-house conversion potential, subject to city approvals. Dramatic ceilings, stonework, a chef’s kitchen, generous suites, & custom closets elevate this homes luxury status. A MASTER PIECE, BUILT BY A MASTER BUILDER! Seller is a professional builder who built this home & can offer extensive knowledge concerning the homes details, permits & architectural plans. Room dimensions to be added soon. Seller is willing to negotiate high end custom furniture & furnishings to be sold with the home. Home owner is OWNER/BUILDER who's built many homes throughout Rancho Santa Fe, La Jolla, Coronado etc.. and is able to assist buyers with forgoing additional work/permitting for garage conversion or any other type of work needed. Offers to be sent to brancos@thebrancogroup.com w/P.O.F. & Financing options.

Mortgage Calculator

Est. Monthly Payment

$23,964

Principal & Interest$19,443
Property Tax$3,500
Insurance$1,021
%($699,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Rosebank Elementary · grades K-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

0D
Est. Monthly Rent
$7,181

12 leases of 3–5 bed houses within 2 mi · $6,617–$7,498

Monthly Cashflow

Rent − PITIA

-$16,783
Full Cashflow

Incl. vacancy, PM, maint, capex

-$21,352

What would make this work?

$21,352/mo short at 20% down; +$27,729/mo rent closes it.

Break-even price

79% under asking

$719,928
Break-even rent

$27,729/mo above the estimate

$34,910/mo
Cashflow at 35% down
−$17,706/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$19,443
Cap Rate
-0.53%
Cash-on-Cash
-36.60%
DSCR

Need ≥ 1.25 for DSCR loan

0.30

NOI (Annual)
-$18,589
Price-to-Rent

Lower = better for investors

40.6

* 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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DCashflow−$21,352/mo