1175 La Tortuga Drive

1175 La Tortuga Drive

Btop 30%

Vista, CA 92081

$999,000
NEW — 0d

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 →

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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

Principal & Interest$5,583
Property Tax$999
Insurance$291
%($199,800)
%
Loan Term

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.

Investment Score

36B
Est. Monthly Rent
$4,976

11 leases of 4-bed houses within 2 mi · $4,758–$4,954

Blended 50/50 with the zip's market median ($5,162)

Monthly Cashflow

Rent − PITIA

-$1,897
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,874

What would make this work?

$3,874/mo short at 20% down; 76% down or +$5,031/mo rent closes it.

Break-even price

50% under asking

$496,730
Break-even rent

$5,031/mo above the estimate

$10,007/mo
Cashflow at 35% down
−$2,827/mo
Down payment to break even

$759,240 cash

76%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,583
Cap Rate
2.35%
Cash-on-Cash
-23.27%
DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)
$23,494
Price-to-Rent

Lower = better for investors

16.7

* 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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BCashflow−$3,874/mo