25812 Willow Lane
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25812 Willow Lane

Ctop 80%

Escondido, CA 92026

$1,099,999

Pass at asking: -$5,231/mo full cashflow at 20% down, 7.36% rate.

Works at $415,544 (62% under asking), or at 89% down.

Rent $4,124/mo from 4 leases of 3-bed houses in 92026 ($3,937–$4,300).

Beds

3

Baths

2.5

Sqft

2,142

Year Built

2020

Days on Market

64

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2606832

This property is in Escondido (92026). Browse neighborhood analytics →

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About This Property

!!!!BUYING THIS HOME WILL GIVE YOU INSTANT EQUITY!!! ** VALUED AT $1,189,000 & SELLER'S ARE CONSIDERING $15,000 CREDIT TOWARDS BUYDOWN OR CLOSING COSTS WITH ACCEPTED OFFER*** Built in 2020, this custom home delivers modern comfort, usable outdoor space, and a sense of country-style living just five minutes from Interstate 15 and eight minutes from Downtown Escondido. Inside, soaring 10-foot ceilings, vaulted living spaces, oversized 8-foot doors, and waterproof luxury vinyl plank flooring create a bright, open feel. Smart-home technology, central heating and air, a whole-house fan, and a generous walk-in pantry bring comfort and functionality to everyday living. Outside, the open lot offers flexibility for a future ADU, pool, workshop, RV storage, or outdoor entertaining space, subject to applicable approvals. The septic system is approved for four bedrooms, adding further potential for future plans. Mature cherry, pear, and peach trees, an outdoor gas hookup, and a dedicated shop area within the garage add to the property’s versatility. Enjoy room to spread out while remaining approximately 10 minutes from North County Fair, 13 minutes from the Escondido Farmers Market, and 18 minutes from the San Diego Zoo Safari Park. Modern, move-in ready, and filled with possibilities, 25812 Willow Lane offers the home, outdoor space, and flexibility to make it your own.

Mortgage Calculator

Est. Monthly Payment

$7,490

Principal & Interest$6,069
Property Tax$1,100
Insurance$321
%($220,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Reidy Creek Elementary · grades K-5 · Escondido Union

  • Middle

    Rincon Middle · grades 6-8 · Escondido Union

  • High

    Escondido High · grades 9-12 · Escondido 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

11C
Est. Monthly Rent
$4,124

4 leases of 3-bed houses in 92026 · $3,937–$4,300

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,366
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,231

What would make this work?

$5,231/mo short at 20% down; 89% down or +$6,794/mo rent closes it.

Break-even price

62% under asking

$415,544
Break-even rent

$6,794/mo above the estimate

$10,918/mo
Cashflow at 35% down
−$4,093/mo
Down payment to break even

$978,999 cash

89%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,069
Cap Rate
1.14%
Cash-on-Cash
-28.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.55

NOI (Annual)
$12,528
Price-to-Rent

Lower = better for investors

22.2

* 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−$5,231/mo