2185 Hawley Drive
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2185 Hawley Drive

Ctop 80%

Vista, CA 92084

$1,199,000

Pass at asking: -$6,351/mo full cashflow at 20% down, 7.36% rate.

Works at $368,109 (69% under asking), or at 97% down.

Rent $3,653/mo from 15 leases of 2–4 bed houses within 2 mi ($3,613–$4,154).

Beds

3

Baths

2

Sqft

1,601

Year Built

1977

Days on Market

77

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2608104

This property is in Vista (92084). Browse neighborhood analytics →

Virtual Tour

About This Property

Nestled in prime Vista among spacious properties and estates, this single-level 3 bed, 2 bath home has been extensively and meticulously remodeled from head to toe. The gated property offers fantastic views and a peaceful rural setting on a large .57-acre lot. Check out the photos to see the ADU potential! Significant upgrades include a new 225-amp electrical panel, Halo recessed canless LED lighting throughout, and a double-papered roof enhanced with 8 new dormer vents for improved ventilation. The attic has been newly re-insulated, and new HVAC ducting provides improved efficiency and comfort. The stunning brand-new kitchen was professionally designed and features custom cabinetry, high-grade fixtures and hardware, and all-new appliances. New premium 12mm waterproof laminate flooring flows throughout the home, while the interior walls have been refinished with a smooth-texture skim coat for a clean, modern look. Both bathrooms have been tastefully remodeled with custom vanities, quartz countertops, upgraded fixtures, solid-brass hardware, and new Kohler toilets. Additional upgrades include 8-foot glass slow-close closet doors in the primary bedroom, new closet doors in the additional bedrooms, custom hallway cabinetry, and solid-core interior doors. The backyard is beautifully landscaped and features a large covered patio plus a separate, spacious covered outdoor kitchen with a built-in barbecue—perfect for entertaining. The .57-acre lot offers room to expand, while the oversized garage and spacious detached shed provide abundant storage and workspace. This is a rare, high-quality remodel with thoughtful attention to detail—not a flip—and is truly move-in ready!

Mortgage Calculator

Est. Monthly Payment

$8,164

Principal & Interest$6,615
Property Tax$1,199
Insurance$350
%($239,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Mission Meadows Elementary · grades K-5 · Vista Unified

  • Middle

    Roosevelt Middle · grades 6-8 · Vista Unified

  • High

    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

4C
Est. Monthly Rent
$3,653

15 leases of 2–4 bed houses within 2 mi · $3,613–$4,154

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$4,511
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,351

What would make this work?

$6,351/mo short at 20% down; 97% down or +$8,247/mo rent closes it.

Break-even price

69% under asking

$368,109
Break-even rent

$8,247/mo above the estimate

$11,900/mo
Cashflow at 35% down
−$5,110/mo
Down payment to break even

$1,163,030 cash

97%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,615
Cap Rate
0.45%
Cash-on-Cash
-31.78%
DSCR

Need ≥ 1.25 for DSCR loan

0.45

NOI (Annual)
$5,368
Price-to-Rent

Lower = better for investors

27.4

* 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−$6,351/mo