1175 La Tortuga Drive
Btop 30%Vista, CA 92081
Pass at asking: -$3,874/mo full cashflow at 20% down, 7.49% rate.
Works at $496,730 (50% under asking), or at 76% down.
Rent $4,976/mo from 11 leases of 4-bed houses within 2 mi ($4,758–$4,954).
Beds
4
Baths
3
Sqft
2,121
Year Built
1989
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2609987
This property is in Vista (92081). View neighborhood stats →
About This Property
Beautifully refreshed from the inside out, this elevated Vista home captures sweeping mountain views, abundant natural light, and exceptional indoor-outdoor living. A welcoming entry reveals soaring vaulted ceilings, elegant new chandeliers, and spacious formal living and dining areas. Beautiful new flooring, fresh interior and exterior paint, and thoughtfully updated finishes create a bright, contemporary feel throughout. The refreshed kitchen features quartz countertops, new appliances, peninsula seating, and space for a breakfast nook, opening to an inviting family room with a striking concrete fireplace surround. A desirable first-floor bedroom and full bathroom provide flexibility for guests, multigenerational living, or a home office. Upstairs, the spacious primary suite offers beautiful mountain views, a private deck, walk-in closet, dual vanities, soaking tub, and separate shower. Generously sized secondary bedrooms feature fresh carpeting and ample closet space. Outside, lush new landscaping, a spacious covered patio, refreshed fencing, and a producing pomelo tree create a wonderful setting for entertaining or simply enjoying the peaceful mountain views. An exceptionally functional garage offers extensive storage, a workbench, excellent lighting, and a utility sink. Ideally positioned south of Highway 78 with convenient access to North County shopping, dining, parks, and coastal destinations. No HOA. Thoughtfully refreshed, beautifully presented, and ready to enjoy!
Mortgage Calculator
Est. Monthly Payment
$6,873
Location
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Zoned Schools
Elementary
Breeze Hill 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.
Comparable Properties
5 comps foundThis Property
$4,976
Comp Average
$4,492
609 Paseo Rio
4bd / 2.5ba · 1,802 sqft · Single Family
$835K
Est. $4,201/mo
1041 Lau Hala Canyon
3bd / 2ba · 2,005 sqft · Single Family
$989K
Est. $4,465/mo
916 Mimosa Avenue
4bd / 2.5ba · 1,984 sqft · Single Family
$1.02M
Est. $4,446/mo
1523 Madrid Drive
3bd / 2.5ba · 1,975 sqft · Single Family
$1.09M
Est. $4,428/mo
1873 Paseo Del Lago
5bd / 3ba · 2,297 sqft · Single Family
$1.20M
Est. $4,920/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 4-bed houses within 2 mi · $4,758–$4,954
Blended 50/50 with the zip's market median ($5,162)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,874/mo short at 20% down; 76% down or +$5,031/mo rent closes it.
- Break-even price
- $496,730
- Break-even rent
- $10,007/mo
- Cashflow at 35% down
- −$2,827/mo
- Down payment to break even
- 76%
- Rate to break even
- Not reachable
50% under asking
$5,031/mo above the estimate
$759,240 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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