1474 Via Encinos
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1474 Via Encinos

Ctop 80%

Fallbrook, CA 92028

$1,150,000

Pass at asking: -$5,323/mo full cashflow at 20% down, 7.43% rate.

Works at $456,896 (60% under asking), or at 87% down.

Rent $4,557/mo from 16 leases of 3-bed houses in 92028 ($4,422–$4,811).

Beds

3

Baths

2.5

Sqft

2,588

Year Built

1990

Days on Market

53

Property Type

Single Family

HOA/mo

N/A

MLS ID

260022954SD

This property is in Fallbrook (92028). Browse neighborhood analytics →

About This Property

Set well back from the road on just over an acre, this custom Fallbrook home is surrounded by mature trees and greenery, creating a quiet and private setting. The floor plan includes two spacious bedrooms and two bathrooms downstairs, with the primary suite upstairs featuring a fireplace and oversized wraparound closet. At 2,588 square feet, there is plenty of room throughout the home. A formal living room, separate family room with brick fireplace, formal dining room, and dining area off the kitchen give each space its own purpose. Large windows bring in natural light and look out to the established landscaping. The fully fenced 1.02 acre corner lot includes covered and open patios, gated access, an attached two car garage, and additional parking. The size and layout of the property leave plenty of options for gardening, pets, entertaining, or making the outdoor areas your own. Convenient to Highway 76, Bonsall, Oceanside, I-15, shopping, dining, and the coast, this Fallbrook home offers a lot of house and land in a private setting with a floor plan that works especially well for guests or multigenerational living.

Mortgage Calculator

Est. Monthly Payment

$7,874

Principal & Interest$6,389
Property Tax$1,150
Insurance$335
%($230,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    La Paloma 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.

Investment Score

13C
Est. Monthly Rent
$4,557

16 leases of 3-bed houses in 92028 · $4,422–$4,811

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,317
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,323

What would make this work?

$5,323/mo short at 20% down; 87% down or +$6,913/mo rent closes it.

Break-even price

60% under asking

$456,896
Break-even rent

$6,913/mo above the estimate

$11,470/mo
Cashflow at 35% down
−$4,125/mo
Down payment to break even

$1,000,500 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,389
Cap Rate
1.35%
Cash-on-Cash
-27.77%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$15,521
Price-to-Rent

Lower = better for investors

21.0

* 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−$5,323/mo