2204 Huntington Point Rd Unit 13Chula VistaCA91914
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2204 Huntington Point Rd Unit 13, Chula Vista, CA, 91914 in Chula Vista is narrow, $47/mo net on $4,877/mo rent after the $3,184/mo debt service, but the property operates at break-even-plus, not a loss. At $708,000 with a 8.27% yield, the long-run equity case via 5% appreciation ($195,607 over five years) and $6,521/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $300,433.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $47 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,877 |
| Total Monthly Debt Service | $4,098 |
| DSCR Ratio | 1.19x |
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 2006
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91914, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,940 (100%) |
| Owner Occupied HU | 4,017 (81.3%) |
| Renter Occupied HU | 805 (16.3%) |
| Vacant Housing Units | 118 ( 2.4%) |
| Median Home Value | $932,072 |
| Average Home Value | $1,018,659 |
Housing Distribution
Address Breakdown
Residential
5,009
Single Family
4,892
Multi-Family
117
Businesses
544
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 2006
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91914, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,940 (100%) |
| Owner Occupied HU | 4,017 (81.3%) |
| Renter Occupied HU | 805 (16.3%) |
| Vacant Housing Units | 118 ( 2.4%) |
| Median Home Value | $932,072 |
| Average Home Value | $1,018,659 |
Housing Distribution
Address Breakdown
Residential
5,009
Single Family
4,892
Multi-Family
117
Businesses
544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #PTP2603814