1041 Lau Hala Canyon
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1041 Lau Hala Canyon

Ctop 80%

Vista, CA 92081

$988,888

Pass at asking: -$4,132/mo full cashflow at 20% down, 7.43% rate.

Works at $450,857 (54% under asking), or at 81% down.

Rent $4,497/mo from 15 leases of 2–4 bed houses within 2 mi, same school area ($4,258–$4,739).

Beds

3

Baths

2

Sqft

2,005

Year Built

1981

Days on Market

46

Property Type

Single Family

HOA/mo

N/A

MLS ID

IG26206752

This property is in Vista (92081). View neighborhood stats →

About This Property

PRICE ADJUSTMENT. This home and lot offer so much potential. Public records show 3 bedrooms, one has no closet. 2 baths, primary bathroom has large soaking tub with separate walk in shower, dual sink vanity, entrance into walk in closet is in large bathroom. Built in linen cabinet in primary bathroom, primary bedroom also has built in linen cabinet or storage area, ceiling appears tongue and grove with open beams, step down into bedroom from entry to room. Large secondary bedroom with newer wood look vinyl floor. Den/office has slider to wood deck also with newer vinyl flooring. Living room has newer wood look vinyl look flooring, slider to front deck/porch, step down into room. Tile floor at entry to home, large family room with (appears) tongue and grove with open beamed vaulted ceiling, wet bar, large brick fireplace, eating area, opens to kitchen with breakfast peninsula. Second bath has shower only. 3 car oversized garage has laundry area, work area. Plenty of parking on the driveway that leads to rear sloping yard.

Mortgage Calculator

Est. Monthly Payment

$6,771

Principal & Interest$5,494
Property Tax$989
Insurance$288
%($197,778)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Lake Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena Vista High · grades 9-12 · Vista Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

28C
Est. Monthly Rent
$4,497

15 leases of 2–4 bed houses within 2 mi, same school area · $4,258–$4,739

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,274
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,132

What would make this work?

$4,132/mo short at 20% down; 81% down or +$5,366/mo rent closes it.

Break-even price

54% under asking

$450,857
Break-even rent

$5,366/mo above the estimate

$9,863/mo
Cashflow at 35% down
−$3,102/mo
Down payment to break even

$800,999 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,494
Cap Rate
1.93%
Cash-on-Cash
-25.07%
DSCR

Need ≥ 1.25 for DSCR loan

0.66

NOI (Annual)
$19,039
Price-to-Rent

Lower = better for investors

18.3

* 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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CCashflow−$4,132/mo