VA ASSUMABLE LOAN - 2.99%. Stunning home in highly sought-after community of Suwerte & Alay at Otay Ranch! This beautifully designed 4-bedroom, 3.5-bathroom home offers a rare and desirable layout featuring dual primary suites, including a full guest suite on the first floor with a private bedroom and attached full bath, perfect for multi-generational living or visiting guests. Step inside to find luxury flooring throughout and an open, spacious floor plan designed for modern living. The gourmet kitchen is a chef’s dream with a quartz island and stylish finishes. Low-maintenance backyard with a turf patio, attached two-car garage includes a tankless water heater for added efficiency and water softener. Located within walking distance to shopping, dining, parks, and schools. This home combines convenience and elegance in one of the most in demand neighborhoods.