1623 Gila Ct UNIT 175Chula VistaCA91915
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1623 Gila Ct UNIT 175, Chula Vista, CA, 91915 in Chula Vista. At $705,000 it earns $4,718/mo in rent and distributes $357/mo to the owner after the $3,170/mo payment, a consistent 8.03% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $194,779 in value; $6,493/yr in principal paydown compounds ownership stake. Total projected return: $290,304.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.5% |
| Monthly Cash Flow | $357 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,718 |
| Total Monthly Debt Service | $4,081 |
| DSCR Ratio | 1.16x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2008
15.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91915, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,975 (100%) |
| Owner Occupied HU | 7,385 (61.7%) |
| Renter Occupied HU | 3,849 (32.1%) |
| Vacant Housing Units | 741 ( 6.2%) |
| Median Home Value | $827,670 |
| Average Home Value | $888,553 |
Housing Distribution
Address Breakdown
Residential
11,606
Single Family
11,160
Multi-Family
446
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 2008
15.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91915, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,975 (100%) |
| Owner Occupied HU | 7,385 (61.7%) |
| Renter Occupied HU | 3,849 (32.1%) |
| Vacant Housing Units | 741 ( 6.2%) |
| Median Home Value | $827,670 |
| Average Home Value | $888,553 |
Housing Distribution
Address Breakdown
Residential
11,606
Single Family
11,160
Multi-Family
446
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kenneth Farah • Compass
Mls Name: CRMLS
Mls ID: #OC25197503