731 G St Spc C26 · Chula Vista, CA 91910

$149,000

1 bd · 1.0 ba · 624 sqft · Manufactured · 62 Days on market

Built 1973 Good condition 6.58 ac lot

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +29.6/30.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• ARV discount +7.5/15.0
• Condition / age +4.0/5.0
• Schools +3.9/10.0
• Livability +3.8/5.0
• Rent growth +3.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this beautifully upgraded 1-bedroom, 1-bathroom manufactured home perfectly situated in the desirable Cabrillo Mobile Lodge. This home seamlessly blends convenience with a touch of luxury, featuring high-end upgrades including a built-in water filtration system, stylish newer flooring, and a fresh, contemporary interior paint palette. Experience ultimate privacy and light control at the touch of a button with custom remote-control window shutters. One of the standout features of this home is the partially enclosed patio, a versatile bonus area perfect for a home office, hobby room, or a peaceful morning retreat. Location is everything! You are just minutes away from the premier s

Key facts

• 6.58 acre lot
• Parking
• Pool

Property features AI

Finance

• Other: Park address: 731 G St Spc C26, Chula Vista, CA; Directions: from Fwy5 east on H, left on Woodlawn Ave to the end of the street, on your left side. Second entrance, corner lot.
• Financial info: Land lease of $950 per month
• HOA & community: Senior community; Community amenities include biking and park access; Manager approval required

Exterior

• Parking: One parking space; One carport space; Located in Cabrillo Mobile Lodge LLC
• Utilities: Public sewer
• Home design: Single-story mobile home; Mobile dimensions approximately 12' x 52'; Mobile home remains on site
• Construction: Mobile construction
• Exterior features: Private pool; Park nearby; Has a view

Interior

• Bathrooms: One full bathroom
• Heating & cooling: Central cooling; Wall/window unit cooling
• Interior features: One-level home; Bonus room; Entry on main level
• Laundry & utility: Has laundry; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $149k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $537 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $140k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.6% vs local median 2.7% in Chula Vista — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 75/100 on livability (#127 in CA, #4,345 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, employment A+; Watch: health & safety C-, cost of living F.
• Sweetwater Union High (suburban): math 36% / reading 52% proficiency, ranked #187 of 517 in CA (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.4%/yr); 128 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 11,759 units permitted in San Diego County in 2024 (7,244 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• San Diego County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.4% rent growth), your $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 62 days — a 6% lower offer ($140k) is reasonable based on typical stale-listing flexibility.

Recommended offer $140,060 (6.0% below list)

Questions for the listing agent

1. It's been on market 62 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.33% ✓
• Cap rate: 10.62%
• Cash-on-cash: 15.44%
• DSCR: 1.69
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $86,736
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
731 G Unit B13	0.04mi	1/1.0	624 (0%)	24mo	$74,900	$120	78
677 G St Unit 103.5	0.14mi	1/1.0	552 (-12%)	1mo	$106,000	$192	74
100 Woodlawn Ave Spc 93	0.55mi	2/1.0 (+1)	576 (-8%)	14mo	$80,000	$139	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.44% rent growth · sell at horizon

5-year hold

• IRR: 5.6%
• Equity multiple: 1.21×
• Total profit: $8,962
• Equity at exit: $22,216

10-year hold

• IRR: 14.5%
• Equity multiple: 2.14×
• Total profit: $47,439
• Equity at exit: $12,883

Cash invested: $41,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 91910

• Rents YoY: 2.4%
• Active inventory: 128
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,983 high
• Mortgage (P&I): −$781
• Tax est. 1.5%: −$186 /mo · $2,235/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $537

Break-even live

Break-even rent $1,303

Max offer price $149,000

Occupancy floor 68%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
535 Woodlawn Ave Chula Vista, CA	1.0–2.0	1.0	693	$1,950	$2.81	2d	7	0.38mi
245 Woodlawn Ave Chula Vista, CA	1.0–2.0	1.0–2.0	723	$1,850	$2.56	2d	4	0.38mi
260 Broadway Chula Vista, CA	1.0	1.0	640	$2,195	$3.43	2d	1	0.38mi
521 Park Way Unit 525-10 Chula Vista, CA	1.0	1.0	415	$1,600	$3.86	10d	1	0.49mi
521 Park Way Unit 515-02 Chula Vista, CA	1.0	1.0	415	$1,750	$4.22	3d	1	0.49mi
521 G St Unit C Chula Vista, CA	2.0	1.0	650	$2,100	$3.23	2d	1	0.49mi
511 Center St Chula Vista, CA	2.0	1.0	744	$2,195	$2.95	2d	1	0.53mi
120 Madison Ave Unit 120-A Chula Vista, CA	1.0	1.0	442	$1,654	$3.74	13d	1	0.66mi
106 Madison Ave Chula Vista, CA	1.0	1.0	567	$1,885	$3.32	2d	1	0.70mi
106 Madison Ave Chula Vista, CA	1.0	1.0	567	$1,885	$3.32	17d	1	0.70mi
462 Davidson St Apt B Chula Vista, CA	1.0	1.0	450	$1,995	$4.43	2d	1	0.71mi
456 Davidson St Chula Vista, CA	1.0	1.0	415	$1,695	$4.08	2d	1	0.72mi
456 Davidson St Chula Vista, CA	2.0	1.0	700	$2,495	$3.56	10d	1	0.72mi
518 Flower St Apt A Chula Vista, CA	1.0	1.0	600	$1,800	$3.00	5d	1	0.74mi
518 Flower St Chula Vista, CA	1.0	1.0	600	$1,800	$3.00	2d	1	0.74mi
415 Park Way Apt L Chula Vista, CA	1.0	1.0	475	$1,795	$3.78	2d	1	0.75mi
160 Brightwood Ave #161 Chula Vista, CA	1.0	1.0	630	$1,895	$3.01	2d	1	0.81mi
490 Fourth Ave #8 Chula Vista, CA	1.0	1.0	700	$2,000	$2.86	2d	1	0.82mi
393 H St Chula Vista, CA	1.0–2.0	1.0–2.5	913	$2,525	$2.76	2d	17	0.90mi
615 Sea Vale St Chula Vista, CA	1.0–2.0	1.0–2.0	785	$2,044	$2.60	2d	10	0.91mi
551-581 Mc Intosh St Chula Vista, CA	1.0	1.0	400	$1,625	$4.06	2d	1	0.93mi
363 H St Chula Vista, CA	1.0	1.0	640	$1,900	$2.97	2d	4	0.94mi
383 Mankato St Chula Vista, CA	1.0	1.0	668	$1,875	$2.81	2d	1	0.96mi
515 Glover Ave Chula Vista, CA	1.0–3.0	1.0–2.0	900	$2,045	$2.27	2d	1	0.99mi
580 Glover Ave Chula Vista, CA	1.0	1.0	600	$1,800	$3.00	2d	1	0.99mi
540 C St Chula Vista, CA	1.0	1.0	600	$2,000	$3.33	2d	2	1.01mi
163 Glover Ave Unit 163D Chula Vista, CA	1.0	1.0	700	$1,700	$2.43	17d	1	1.03mi
750 Cedar Ave Chula Vista, CA	1.0	1.0	450	$2,500	$5.56	2d	1	1.04mi
229 Landis Ave Apt D Chula Vista, CA	1.0	1.0	620	$1,825	$2.94	16d	1	1.07mi
351355 I St Unit 351-3 Chula Vista, CA	1.0	1.0	650	$1,599	$2.46	24d	1	1.07mi
351355 I St Unit 355-J Chula Vista, CA	1.0	1.0	650	$1,599	$2.46	2d	1	1.07mi
345 I St Chula Vista, CA	1.0	1.0	675	$1,900	$2.81	2d	1	1.09mi
288 Center St Chula Vista, CA	1.0	1.0	717	$2,360	$3.29	2d	2	1.10mi
305 E St Chula Vista, CA	1.0	1.0	602	$1,968	$3.27	2d	1	1.13mi
252 Church Ave Chula Vista, CA	1.0	1.0	672	$2,538	$3.78	2d	4	1.13mi
230 Church Ave Chula Vista, CA	1.0	1.0	630	$2,395	$3.80	2d	6	1.15mi
245 Church Ave Chula Vista, CA	—	1.0	418	$1,895	$4.53	2d	1	1.17mi
245 Church Ave Chula Vista, CA	—	1.0	357	$1,895	$5.31	11d	1	1.17mi
122 Third Ave Chula Vista, CA	1.0	1.0	650	$2,095	$3.22	2d	1	1.20mi
252 Davidson St Unit 256 Davidson Chula Vista, CA	1.0	1.0	475	$1,750	$3.68	2d	1	1.20mi

Listing history 9 events

1. 2026-06-09
   days on market $149,000 Active 62 DOM
2. 2026-06-08
   days on market $149,000 Active 61 DOM
3. 2026-06-07
   days on market $149,000 Active 60 DOM
4. 2026-06-04
   days on market $149,000 Active 57 DOM
5. 2026-06-03
   days on market $149,000 Active 56 DOM
6. 2026-06-02
   days on market $149,000 Active 55 DOM
7. 2026-06-01
   days on market $149,000 Active 54 DOM
8. 2026-05-31
   pricedays on market $149,000 Active 53 DOM
9. 2026-04-08
   listed $159,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥87°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,795
• − Mortgage interest: −$8,346
• − Property taxes: −$2,235
• − Insurance: −$745
• − Repairs & maintenance: −$1,904
• − Management: −$1,904
• − Depreciation: −$4,335
• Taxable income: $4,327
• Est. tax owed @ 24.0%: −$1,038
• After-tax cash flow: $5,403/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This beautifully upgraded 1-bedroom, 1-bathroom manufactured home is move-in ready with modern amenities and a fresh paint job. It offers a great location and is ready for a new owner to make it their own.

Value-add opportunities

• Both Painting exterior and interior — Enhances curb appeal and interior aesthetics
• Both Landscaping improvements — Enhances curb appeal and adds value
• Both New flooring — Improves living space and adds value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both New flooring — Improves living space and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Sweetwater Union High
• NCES district ID: 0638640
• Math proficiency: 36% ▲ 3.00%
• Reading proficiency: 52% ▼ -2.00%
• Median HH income: $59,051
• Composite: 38.61/100
• National rank: #4158
• State rank: #187 of 517 in CA

Livability — Chula Vista

• Score: 75/100
• State rank: #127
• US rank: #4345

Category grades

Amenities A+ Commute A+ Cost of living F Crime C Employment A+ Housing B+ Health & safety C- User ratings B

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chula Vista, CA
• County: San Diego County · 3,178,799 people
• City population: 255,708
• Metro: San Diego-Chula Vista-Carlsbad, CA
• Population (ZIP): 77,123
• Household income: $90,222
• Rent vs Own: 50.0% rent · 50.0% own
• Severe rent burden: 4172.0

Population outlook (San Diego County) Hauer SSP2

• Today (2025): 3,678,185 people
• By 2030: 3,856,546 · +4.8%
• By 2040: 4,171,407 · +13.4%
• By 2050: 4,421,607 · +20.2%
• By 2075: 4,831,599 · +31.4%
• By 2100: 4,832,502 · +31.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (64%)
• Race & ethnicity: Hispanic / Latino 64% Two or more races 29% White 19% Asian 10% Black 4% Native American 1%
• Hispanic origin (detail): Mexican 60%
• Common ancestry: Lithuanian 1% Italian 1% Romanian 1%
• Foreign-born: 29% · Canada, South Korea, Vietnam
• Languages at home: 43% English-only · Spanish 49% Tagalog/Filipino 4% Other Asian/Pacific 1%

Political lean MEDSL · San Diego

• 2024 margin: D (+16.8) · D 56.9% · R 40.1% · Other 2.9%
• 2008→2024 swing: +6.6pp toward D · 2008: 10.2pp · 2024: 16.8pp
• All cycles: 2024: D+16.8 2020: D+22.8 2016: D+17.8 2012: D+5.1 2008: D+10.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -673.82%
• Current HPI: 357.1172
• Rent YoY: ▲ 2.44%
• Metro: San Diego-Chula Vista-Carlsbad, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

1 event — show timeline

• 2026-04-08 Listed $159,000 CRMLS