35323 Orchard Trail
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35323 Orchard Trail

Btop 30%

Fallbrook, CA 92028

$845,000
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: -$3,099/mo full cashflow at 20% down, 7.43% rate.

Works at $441,449 (48% under asking), or at 73% down.

Rent $4,688/mo from 4 leases of 4-bed houses in 92028 ($4,071–$4,997).

Beds

4

Baths

3

Sqft

2,662

Year Built

2023

Days on Market

138

Property Type

Single Family

HOA/mo

$219

MLS ID

SW26137336

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

About This Property

Don't go searching for new-built homes in the Citro community when this stunning residence has over $40,000 in professional landscaping already installed AND extended solar panels with backup battery to go along with the paid-off builder-installed system. This property has all the right finishes in place and ready to go with a floorpan that features 4 spacious bedrooms, 3 bathrooms, and a thoughtfully designed open-concept living area that blends comfort and style seamlessly. A gorgeous interior greets you with a formal entryway that leads to an expansive great room adjacent to the tastefully appointed kitchen and dining area. You'll also find a convenient downstairs bedroom on the main floor, perfectly suited for overnight guests or a home office. Upstairs boasts a functional loft area along with the primary suite, hallway bathroom, laundry room, and two additional bedrooms. Other features at the home include vinyl plank flooring, upgraded window coverings, and the aforementioned partially owned solar system with backup battery for storing unused energy. Step outside and you'll find both the front and back yard spaces have been landscaped with artificial turf, including the side yard area containing an upgraded pet turf perfect for if you have pets. Two patio spaces, one covered and one inviting the sun, are perfect for entertaining outdoors in the backyard while enjoying the often-ideal southern California weather. This area is about to see a transformation with a proposed 400,000 square foot retail center in the works, along with new residential neighborhoods and an improved infrastructure with potential dining, shopping, and convenience options. Act now to invest in this like-new single-family residence within the borders of San Diego County!

Mortgage Calculator

Est. Monthly Payment

$6,005

Principal & Interest$4,694
Property Tax$845
Insurance$246
HOA$219
%($169,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Live Oak Elementary · grades K-6 · Fallbrook Union Elementary

  • Middle

    James E. Potter Intermediate · grades 7-8 · Fallbrook Union Elementary

  • High

    Fallbrook High · grades 9-12 · Fallbrook 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

47B
Est. Monthly Rent
$4,688

4 leases of 4-bed houses in 92028 · $4,071–$4,997

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,316
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,099

What would make this work?

$3,099/mo short at 20% down; 73% down or +$4,024/mo rent closes it.

Break-even price

48% under asking

$441,449
Break-even rent

$4,024/mo above the estimate

$8,712/mo
Cashflow at 35% down
−$2,219/mo
Down payment to break even

$616,850 cash

73%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,694
Cap Rate
2.60%
Cash-on-Cash
-22.00%
DSCR

Need ≥ 1.25 for DSCR loan

0.78

NOI (Annual)
$21,960
Price-to-Rent

Lower = better for investors

15.0

* 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−$3,099/mo