778 Ada St #1Chula VistaCA91911
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 778 Ada St #1, Chula Vista, CA, 91911 in Chula Vista at $725,000 earns $4,952/mo in rent and nets $197/mo after the $3,260/mo payment, a 8.2% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $200,304 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $6,677/yr in principal paydown, total projected return reaches $304,971.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $197 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,952 |
| Total Monthly Debt Service | $4,197 |
| DSCR Ratio | 1.18x |
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 2016
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
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 2016
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CLAW
Mls ID: #26648243