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991 Camino Aldea

Btop 30%

Chula Vista, CA 91913

$905,000

STR limited · Chula Vista residents only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$3,370/mo full cashflow at 20% down, 7.43% rate.

Works at $466,222 (48% under asking), or at 74% down.

Rent $4,840/mo from 8 leases of 3–5 bed houses within 0.5 mi, same school area ($4,624–$4,693).

Beds

Baths

Sqft

1,950

Year Built

2020

Days on Market

Property Type

Single Family

HOA/mo

$146

MLS ID

NDP2608997

This property is in Chula Vista (91913). Browse neighborhood analytics →

Virtual Tour

About This Property

Best layout in Escaya! Move-in ready 4BD/3BA, 1,950 sq ft two-story in the Village of Escaya! Built in 2020 and freshly updated with brand-new carpet and new paint throughout. Open-concept kitchen and living room with shaker cabinets, quartz countertops, and stainless steel appliances, ideal for everyday living and entertaining. Private, cozy backyard with a pergola for relaxed gatherings. Attached 2-car garage. Enjoy Escaya's resort-style amenities, including the Orchard Club pools, cabanas, and clubhouse, the Harvest Wellness Center, and nearby Escaya Park with pickleball, basketball, sports fields, and play areas. Walkable paseos connect to Otay Ranch trails and the Village Center. Newer construction in one of South County's top master-planned communities. Don't miss it!

Mortgage Calculator

Est. Monthly Payment

$6,343

Principal & Interest$5,028

Property Tax$905

Insurance$264

HOA$146

Down Payment

%($181,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Fahari L. Jeffers Elementary · grades K-6 · Chula Vista Elementary
Middle
Rancho del Rey Middle · grades 7-8 · Sweetwater Union High
High
Otay Ranch 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 found

This Property

$4,840

Comp Average

$4,592

1656 Calle De La Flor

4bd / 2.5ba · 1,694 sqft · Single Family

$810K

Est. $4,305/mo

2044 Avenida Andanza

4bd / 2.5ba · 1,833 sqft · Single Family

$850K

Est. $4,590/mo

875 Ridgewater

4bd / 2ba · 1,766 sqft · Single Family

$879K

Est. $4,408/mo

1108 Camino Prado

4bd / 3ba · 2,021 sqft · Single Family

$1000K

Est. $4,903/mo

1713 Fawntail Court

4bd / 2.5ba · 2,138 sqft · Single Family

$1000K

Est. $4,754/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

43B

Est. Monthly Rent

$4,840

8 leases of 3–5 bed houses within 0.5 mi, same school area · $4,624–$4,693

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,503

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,370

What would make this work?

$3,370/mo short at 20% down; 74% down or +$4,377/mo rent closes it.

Break-even price: $466,222
Break-even rent: $9,217/mo
Cashflow at 35% down: −$2,427/mo
Down payment to break even: 74%
Rate to break even: Not reachable

Mortgage (P+I)

$5,028

Cap Rate

2.52%

Cash-on-Cash

-22.34%

DSCR

Need ≥ 1.25 for DSCR loan

0.76

NOI (Annual)

$22,796

Price-to-Rent

Lower = better for investors

15.6

* 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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BCashflow−$3,370/mo