2230 Calle Dos Lomas

2230 Calle Dos Lomas

Ctop 80%

Fallbrook, CA 92028

$1,300,000

Pass at asking: -$5,192/mo full cashflow at 20% down, 7.36% rate.

Works at $620,660 (52% under asking), or at 78% down.

Rent $6,160/mo from 6 leases of 4–6 bed houses in 92028 ($5,677–$6,354).

Beds

5

Baths

5

Sqft

4,830

Year Built

1996

Days on Market

336

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2511422

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

About This Property

Welcome home to a stunning single-story Mediterranean-style retreat set at the end of a quiet cul-de-sac in the coveted Gird Valley hills of Fallbrook. This exceptional property blends luxury, comfort, and versatility, making it an ideal haven for today’s MULTIGENERATIONAL lifestyle with an attached 2000 SQFT 2-bedroom ADU with its own private entrance, polished finishes, and a dedicated laundry closet The single-story main residence showcases polished travertine floors, 3 spacious bedrooms, and beautifully arranged living spaces including a family room and formal dining room. The kitchen is thoughtfully designed to capture views from every angle, creating a light-filled culinary space that connects seamlessly to the surrounding hillsides. Expansive balconies off the living room and kitchen elevate daily living with sweeping vistas, while the grand playroom provides an impressive bonus area for recreation or gatherings. A fully fenced pool and spa perfect for relaxing under the California sun. Additional highlights include a PAID OFF SOLAR SYSTEM, a circular driveway, 5-car garage for the car enthusiast, and RV parking, delivering exceptional utility and long-term value. This remarkable estate offers the beauty, space, and lifestyle you’ve been dreaming of—truly a home you deserve.

Mortgage Calculator

Est. Monthly Payment

$8,852

Principal & Interest$7,172
Property Tax$1,300
Insurance$379
%($260,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bonsall Elementary · grades K-5 · Bonsall Unified

  • Middle

    Norman L. Sullivan Middle · grades 6-8 · Bonsall Unified

  • High

    Bonsall High · grades 9-12 · Bonsall 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

22C
Est. Monthly Rent
$6,160

6 leases of 4–6 bed houses in 92028 · $5,677–$6,354

Monthly Cashflow

Rent − PITIA

-$2,691
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,192

What would make this work?

$5,192/mo short at 20% down; 78% down or +$6,742/mo rent closes it.

Break-even price

52% under asking

$620,660
Break-even rent

$6,742/mo above the estimate

$12,902/mo
Cashflow at 35% down
−$3,847/mo
Down payment to break even

$1,014,000 cash

78%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,172
Cap Rate
2.11%
Cash-on-Cash
-23.96%
DSCR

Need ≥ 1.25 for DSCR loan

0.70

NOI (Annual)
$27,466
Price-to-Rent

Lower = better for investors

17.6

* 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−$5,192/mo