2659 Dos Lomas
Ctop 80%Fallbrook, CA 92028
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$5,526/mo full cashflow at 20% down, 7.36% rate.
Works at $576,933 (56% under asking), or at 82% down.
Rent $5,914/mo from 16 leases of 3-bed houses in 92028 ($5,656–$6,155).
Beds
3
Baths
5
Sqft
4,235
Year Built
1998
Days on Market
119
Property Type
Single Family
HOA/mo
$145
MLS ID
NDP2606309
This property is in Fallbrook (92028). Browse neighborhood analytics →
About This Property
Nestled on 2 private acres within the prestigious Champagne Crest gated community, this exceptional custom estate captures sweeping Palomar Mountain views and the peaceful beauty of Fallbrook. Offering approximately 4,235 square feet, the home features expansive, light-filled living spaces, 3 bedrooms, 4.5 bathrooms, a spacious kitchen, two formal dining rooms, a dedicated office, and a versatile upstairs bonus room. The flexible floor plan provides excellent potential for additional bedrooms, guest accommodations, or multi-generational living. Enjoy the perfect blend of privacy, scenic beauty, and refined country living just minutes from local wineries, golf, shopping, dining, and freeway access.
Mortgage Calculator
Est. Monthly Payment
$8,997
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.
Comparable Properties
5 comps foundThis Property
$5,914
Comp Average
$5,567
3550 Laketree Drive
4bd / 4ba · 3,575 sqft · Single Family
$1.30M
Est. $5,776/mo
1094 Hillcrest View Lane
4bd / 4ba · 3,657 sqft · Single Family
$1.30M
Est. $5,621/mo
4462 Fallsbrae Rd
4bd / 4ba · 3,930 sqft · Single Family
$1.60M
Est. $5,382/mo
3068 Willow Heights Road
4bd / 4.5ba · 4,122 sqft · Single Family
$1.80M
Est. $5,512/mo
521 Rancho Camino
4bd / 3ba · 4,170 sqft · Single Family
$1.90M
Est. $5,544/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
16 leases of 3-bed houses in 92028 · $5,656–$6,155
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,526/mo short at 20% down; 82% down or +$7,177/mo rent closes it.
- Break-even price
- $576,933
- Break-even rent
- $13,091/mo
- Cashflow at 35% down
- −$4,181/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
56% under asking
$7,177/mo above the estimate
$1,065,999 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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