3026 Via Loma
1 / 20

3026 Via Loma

Dbottom 20%

Fallbrook, CA 92028

$1,995,000
STR: check · HOA rules unknown · TOT 8%

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: -$10,984/mo full cashflow at 20% down, 7.43% rate.

Works at $564,904 (72% under asking), or at all cash.

Rent $5,822/mo from 6 leases of 4–6 bed houses in 92028 ($5,365–$6,005).

Beds

5

Baths

5.5

Sqft

4,315

Year Built

2018

Days on Market

60

Property Type

Single Family

HOA/mo

$144

MLS ID

260022307SD

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

Virtual Tour

About This Property

Experience luxury single-level living in this custom-built hilltop home, offering panoramic 360-degree views within an exclusive gated community. Spanning 4,315 square feet, the modern open-concept floor plan blends elegance, comfort, and functionality. The chef’s kitchen features quartz countertops, a farmhouse sink, Sub-Zero refrigerator, Thermador Pro six-burner gas range, double ovens, and an oversized island with prep sink, microwave drawer, and generous seating. A 185-bottle Wine Enthusiast refrigerator and expansive walk-in pantry complete the space. The kitchen flows into a spacious breakfast nook and inviting family room with a dramatic gas fireplace and custom built-ins. Sliding glass doors open to a wraparound covered patio, perfect for entertaining and enjoying spectacular sunsets. The main residence includes four generous bedrooms, each with an en-suite bath. A separate studio apartment with a private entrance, kitchenette, full bath, and walk-in closet offers flexibility for guests, remote work, or multigenerational living. The luxurious primary suite features built-in storage, a massive walk-in closet, dual vanities, a soaking tub, and an elegant walk-in shower. Additional features include French oak hardwood floors, crown molding, high ceilings, recessed lighting, surround sound, central air, whole-house water filtration, and a three-car garage with epoxy flooring. Low-maintenance grounds feature apple, citrus, and avocado trees, plus raised garden beds. Refined, private, and thoughtfully appointed, this exceptional estate is truly one of a kind.

Mortgage Calculator

Est. Monthly Payment

$13,804

Principal & Interest$11,083
Property Tax$1,995
Insurance$582
HOA$144
%($399,000)
%
Loan Term

Location

Loading map...

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

2D
Est. Monthly Rent
$5,822

6 leases of 4–6 bed houses in 92028 · $5,365–$6,005

Monthly Cashflow

Rent − PITIA

-$7,982
Full Cashflow

Incl. vacancy, PM, maint, capex

-$10,984

What would make this work?

$10,984/mo short at 20% down; 100% down or +$14,264/mo rent closes it.

Break-even price

72% under asking

$564,904
Break-even rent

$14,264/mo above the estimate

$20,086/mo
Cashflow at 35% down
−$8,906/mo
Down payment to break even

$1,995,000 cash

100%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$11,083
Cap Rate
0.23%
Cash-on-Cash
-33.03%
DSCR

Need ≥ 1.25 for DSCR loan

0.42

NOI (Annual)
$4,686
Price-to-Rent

Lower = better for investors

28.6

* Modelled at 20% down, 7.43% 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.

Open Full Calculator
DCashflow−$10,984/mo