
1031 Inverlochy Drive
Ctop 80%Fallbrook, CA 92028
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$3,887/mo full cashflow at 20% down, 7.43% rate.
Works at $413,025 (55% under asking), or at 81% down.
Rent $4,462/mo from 10 leases of houses within 2 mi, size-adjusted ($4,418–$4,710).
Beds
3
Baths
2.5
Sqft
2,612
Year Built
2001
Days on Market
46
Property Type
Single Family
HOA/mo
$264
MLS ID
SW26209458
This property is in Fallbrook (92028). Browse neighborhood analytics →
About This Property
PRICE REDUCTION from a MOTIVATED SELLER for this Single-level living in gated Peppertree Park, backing to a nature preserve with no rear neighbors! This approx. 2,612 sq ft home offers 3 bedrooms, 2.5 baths, and a rare combination of a 2-car garage plus a separate 1-car garage, ideal for a workshop, gym, or extra storage. Move-in-ready updates include luxury vinyl plank flooring in the main living areas, carpet in all bedrooms, plantation shutters throughout, and a fresh neutral palette. The kitchen features a center island and abundant freshly painted cabinetry, with room to add your own countertop and appliance upgrades. It opens to a spacious family room with ceiling fan and direct backyard access, while the formal living and dining rooms offer a separate space to entertain. The oversized primary suite includes a ceiling fan, en-suite bath, and large walk-in closet. Two secondary bedrooms share a full bath, plus a powder room for guests. Outside, enjoy a private, expansive yard with a concrete patio, generous lawn, and peaceful preserve views. HOA includes Peppertree Park's 6-acre amenity area with playground, sport court, nature trails, and BBQ picnic areas. Just 2 miles to Fallbrook's charming downtown village with easy access to the 76 Hwy.
Mortgage Calculator
Est. Monthly Payment
$6,556
Location
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Zoned Schools
Elementary
Live Oak Elementary · grades K-6 · Fallbrook Union Elementary
Middle
James E. Potter Intermediate · grades 7-8 · Fallbrook Union Elementary
High
Fallbrook High · grades 9-12 · Fallbrook Union High
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$4,462
Comp Average
$4,547
1427 El Nido Drive
3bd / 3ba · 2,697 sqft · Single Family
$949K
Est. $4,560/mo
1883 Fox Bridge Court
3bd / 2.5ba · 2,721 sqft · Single Family
$840K
Est. $4,527/mo
4488 La Canada
3bd / 3ba · 2,680 sqft · Single Family
$975K
Est. $4,592/mo
3237 Canonita Drive
3bd / 2.5ba · 2,624 sqft · Single Family
$1.07M
Est. $4,501/mo
1474 Via Encinos
3bd / 2.5ba · 2,588 sqft · Single Family
$1.15M
Est. $4,557/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of houses within 2 mi, size-adjusted · $4,418–$4,710
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,887/mo short at 20% down; 81% down or +$5,047/mo rent closes it.
- Break-even price
- $413,025
- Break-even rent
- $9,509/mo
- Cashflow at 35% down
- −$2,929/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$5,047/mo above the estimate
$744,390 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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