
1645 S Hannalei
Ctop 80%Vista, CA 92083
Pass at asking: -$6,120/mo full cashflow at 20% down, 7.36% rate.
Works at $449,276 (64% under asking), or at 91% down.
Rent $4,459/mo from 14 leases of 2–4 bed houses within 2 mi ($4,769–$5,231).
Beds
3
Baths
3
Sqft
2,545
Year Built
1947
Days on Market
—
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027108SD
This property is in Vista (92083). Browse neighborhood analytics →
About This Property
Drive through the private gates guarding this fully renovated sprawling Hacienda-Style estate. Situated on 0.57 acres, abundant mature landscaping creates a private oasis with plenty of space to customize for any of your needs, including a pool area, ADU, RV space or garden areas. Making your way inside the private gated courtyard features a restored tongue-and-groove wood ceiling, creating a secluded indoor/outdoor retreat perfect for enjoying warm days or cool nights. Once inside this stunning Hacienda-style home retains a rustic feel while being upgraded with all of the modern features. The kitchen has newly installed kitchen cabinets, quartz countertops, an induction range, and stainless steel appliances. You will find sturdy engineered hardwood throughout the sizable living room, which features a large fireplace centerpiece as well as in the spacious bedrooms. The home is heated & cooled with brand new central air. Detached from the main house is a casita studio with its own dedicated bathroom & mini-split unit perfect for multi-generational living, a peaceful office or rental income.
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Est. Monthly Payment
$8,511
Location
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Zoned Schools
Elementary
Hannalei 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
3 comps foundThis Property
$4,459
Comp Average
$4,733
1340 Dorsey Way
4bd / 3ba · 2,256 sqft · Single Family
$879K
Est. $4,500/mo
702 Passion Court
3bd / 3ba · 2,006 sqft · Single Family
$895K
Est. $4,654/mo
1229 Sandra Circle
4bd / 3.5ba · 3,034 sqft · Single Family
$1.20M
Est. $5,045/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 2–4 bed houses within 2 mi · $4,769–$5,231
Blended 50/50 with the zip's market median ($3,848)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,120/mo short at 20% down; 91% down or +$7,948/mo rent closes it.
- Break-even price
- $449,276
- Break-even rent
- $12,407/mo
- Cashflow at 35% down
- −$4,827/mo
- Down payment to break even
- 91%
- Rate to break even
- Not reachable
64% under asking
$7,948/mo above the estimate
$1,137,500 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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