31948 Del Cielo Este #6
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31948 Del Cielo Este #6

Btop 30%

Bonsall, CA 92003

$574,900
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: -$2,458/mo full cashflow at 20% down, 7.43% rate.

Works at $254,891 (56% under asking), or at 82% down.

Rent $3,356/mo: property-level estimate.

Beds

3

Baths

2

Sqft

1,507

Year Built

1980

Days on Market

91

Property Type

Condo

HOA/mo

$626.79

MLS ID

SW26164285

This property is in Bonsall (92003). Browse neighborhood analytics →

About This Property

In-Unit Laundry hookups!!! Welcome to this beautiful 3-bedroom, 2-bath home nestled in the peaceful hills of Bonsall. This multi-level home offers a functional layout filled with natural light, vaulted ceilings, dual-pane windows, and a cozy wood-burning fireplace in the living room. The kitchen features granite countertops, and central air conditioning provides year-round comfort. The HOA covers insurance, grounds maintenance, trash, water and sewer. Exterior paint and updates will be made this year. One of this home’s standout features is the seamless indoor-outdoor living. Each bedroom enjoys access to its own private outdoor space, while multiple balconies and patios provide peaceful spots to take in the surrounding hills and fresh Bonsall air.Located in the desirable Del Cielo community, this home offers a tranquil setting with convenient access to shopping, dining, golf, hiking trails, and major commuter routes. Whether you’re looking for a full-time residence or a low-maintenance retreat, this home offers the perfect blend of comfort, privacy, and North County living.

Mortgage Calculator

Est. Monthly Payment

$4,563

Principal & Interest$3,194
Property Tax$575
Insurance$168
HOA$627
%($114,980)
%
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

44B
Est. Monthly Rent
$3,356

Property-level estimate

Thin data: no closed leases like this one nearby.

Monthly Cashflow

Rent − PITIA

-$1,208
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,458

What would make this work?

$2,458/mo short at 20% down; 82% down or +$3,193/mo rent closes it.

Break-even price

56% under asking

$254,891
Break-even rent

$3,193/mo above the estimate

$6,549/mo
Cashflow at 35% down
−$1,860/mo
Down payment to break even

$471,418 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,194
Cap Rate
1.89%
Cash-on-Cash
-25.66%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$10,838
Price-to-Rent

Lower = better for investors

14.3

* 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.

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BCashflow−$2,458/mo