975 5th Ave
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975 5th Ave

Ctop 80%

Chula Vista, CA 91911

$925,000
NEW — 0d

Pass at asking: -$4,332/mo full cashflow at 20% down, 7.36% rate.

Works at $358,252 (61% under asking), or at 88% down.

Rent $3,555/mo from 9 leases of 3-bed houses within 2 mi ($3,232–$3,456).

Beds

3

Baths

1

Sqft

1,190

Year Built

1954

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260025306SD

This property is in Chula Vista (91911). Browse neighborhood analytics →

About This Property

Discover an exceptional opportunity in the heart of Chula Vista! This move-in ready 3-bedroom, 1-bath home offers approximately 1,190 sq. ft. of living space plus a fully covered bonus room, perfect for relaxing and entertaining. A beautifully landscaped front-yard oasis welcomes you surrounded with ficus trees, custom paver walkways, drought-tolerant landscaping, and a private fenced setting that creates a peaceful, resort-like atmosphere. Designed for both curb appeal and privacy. Situated on an expansive 12,000+ sq. ft. lot, the property features a spacious backyard with 12 mature fruit trees, an above-ground pool, and ample room for gardening, entertaining, future expansion, or potential ADU development (buyer to verify). The oversized lot provides endless possibilities for homeowners and investors alike. Additional highlights include fully paid solar panels, an upgraded electrical panel, a dedicated laundry room, and high-end included appliances. Conveniently located just minutes from the Gaylord Pacific Resort & Convention Center, schools K-12 including the highly regarded Christian Unified School, shopping, dining, parks, and Interstate 5. A rare opportunity offering space, privacy, energy efficiency, and exceptional future potential in one of Chula Vista's most desirable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$6,298

Principal & Interest$5,103
Property Tax$925
Insurance$270
%($185,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Rice (Lilian J.) Elementary · grades PK-6 · Chula Vista Elementary

  • Middle

    Chula Vista Middle · grades 7-8 · Sweetwater Union High

  • High

    Chula Vista 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

19C
Est. Monthly Rent
$3,555

9 leases of 3-bed houses within 2 mi · $3,232–$3,456

Blended 50/50 with the zip's market median ($3,856)

Monthly Cashflow

Rent − PITIA

-$2,743
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,332

What would make this work?

$4,332/mo short at 20% down; 88% down or +$5,626/mo rent closes it.

Break-even price

61% under asking

$358,252
Break-even rent

$5,626/mo above the estimate

$9,181/mo
Cashflow at 35% down
−$3,375/mo
Down payment to break even

$814,000 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,103
Cap Rate
1.23%
Cash-on-Cash
-28.10%
DSCR

Need ≥ 1.25 for DSCR loan

0.56

NOI (Annual)
$11,391
Price-to-Rent

Lower = better for investors

21.7

* 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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CCashflow−$4,332/mo