1826 Via Monserate

1826 Via Monserate

Ctop 80%

Fallbrook, CA 92028

$1,000,000

Pass at asking: -$4,489/mo full cashflow at 20% down, 7.36% rate.

Works at $412,747 (59% under asking), or at 86% down.

Rent $4,096/mo from 16 leases of 3-bed houses in 92028 ($3,887–$4,230).

Beds

3

Baths

3

Sqft

2,000

Year Built

1987

Days on Market

177

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2604867

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

About This Property

Nearly an acre of highly usable land gives you something increasingly hard to find: room to make a property your own. Garden, plant fruit trees, create outdoor entertaining spaces, make room for pets - or simply enjoy having space around you and panoramic mountain and hillside views beyond. Behind the gate, this 3BR/2.5BA Fallbrook home pairs that freedom with everyday comfort and convenience. Fresh interior paint and beautifully refinished real hardwood floors are already done, along with a newer roof and owned solar. Central heat & A/C, natural gas and a sewer connection add practical advantages, while large windows bring in abundant natural light and frame the surrounding views. A cozy fireplace, attached 2-car garage and additional gated parking complete the property. All of this on 0.91 acre with no HOA and no Mello Roos, yet still conveniently close to downtown Fallbrook shops, restaurants, community events and commuter access.

Mortgage Calculator

Est. Monthly Payment

$6,809

Principal & Interest$5,517
Property Tax$1,000
Insurance$292
%($200,000)
%
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

20C
Est. Monthly Rent
$4,096

16 leases of 3-bed houses in 92028 · $3,887–$4,230

Blended 50/50 with the zip's market median ($4,127)

Monthly Cashflow

Rent − PITIA

-$2,713
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,489

What would make this work?

$4,489/mo short at 20% down; 86% down or +$5,829/mo rent closes it.

Break-even price

59% under asking

$412,747
Break-even rent

$5,829/mo above the estimate

$9,925/mo
Cashflow at 35% down
−$3,454/mo
Down payment to break even

$860,000 cash

86%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,517
Cap Rate
1.48%
Cash-on-Cash
-26.93%
DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)
$14,801
Price-to-Rent

Lower = better for investors

20.3

* 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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CCashflow−$4,489/mo