509 Windy Way
Ctop 80%Chula Vista, CA 91914
Pass at asking: -$4,388/mo full cashflow at 20% down, 7.36% rate.
Works at $620,870 (48% under asking), or at 74% down.
Rent $6,162/mo from 21 leases of 4–6 bed houses within 2 mi ($4,927–$5,673).
Beds
5
Baths
3
Sqft
2,588
Year Built
1996
Days on Market
1
Property Type
Single Family
HOA/mo
N/A
MLS ID
PTP2608398
This property is in Chula Vista (91914). Browse neighborhood analytics →
About This Property
Located on a quiet cul-de-sac in the desirable community of San Miguel Ranch, this beautifully updated home offers over 2,500 square feet of living space with a great balance of indoor and outdoor living. High ceilings, large windows, fresh interior paint, and luxury vinyl plank flooring create a bright and inviting atmosphere throughout. The remodeled kitchen is a standout feature, complete with a spacious center island, six-burner gas cooktop, stainless steel appliances, walk-in pantry, plenty of cabinetry and it opens to the adjoining living and dining areas. A downstairs bedroom with its own full bathroom offers flexibility for guests, extended family, or a home office. Upstairs, the spacious primary suite features high ceilings, ample closet space, dual vanities, and a soaking tub, along with three additional bedrooms. Outside you get spacious landscaped backyard designed for entertaining, featuring a gazebo and a newly added deck that provides even more space to relax, gather, and enjoy being outdoors. Additional highlights include a recently installed HVAC system with air conditioning, a three-car garage with professionally installed epoxy flooring, a dedicated laundry room, and solar power through a Power Purchase Agreement (PPA). Conveniently located near parks, trails, shopping, dining, and neighborhood amenities, with easy access to major roadways. Best of all, no HOA or Mello-Roos!
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Est. Monthly Payment
$8,137
Location
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Zoned Schools
Elementary
Liberty 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 foundThis Property
$6,162
Comp Average
$5,675

359 Plaza Toluca
5bd / 4ba · 2,887 sqft · Single Family
$1.24M
Est. $6,303/mo
767 Dry Creek Drive
5bd / 3ba · 2,259 sqft · Single Family
$1.10M
Est. $5,283/mo
2457 Crooked Trail Road
5bd / 3ba · 2,897 sqft · Single Family
$1.25M
Est. $5,909/mo
2369 Paseo Los Gatos
4bd / 3ba · 2,790 sqft · Single Family
$1.23M
Est. $5,526/mo
437 Corte Calypso
5bd / 3ba · 2,483 sqft · Single Family
$1.20M
Est. $5,352/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
21 leases of 4–6 bed houses within 2 mi · $4,927–$5,673
Blended 50/50 with the zip's market median ($7,086)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,388/mo short at 20% down; 74% down or +$5,699/mo rent closes it.
- Break-even price
- $620,870
- Break-even rent
- $11,861/mo
- Cashflow at 35% down
- −$3,152/mo
- Down payment to break even
- 74%
- Rate to break even
- Not reachable
48% under asking
$5,699/mo above the estimate
$884,300 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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