3709 Buena Creek Road

3709 Buena Creek Road

Atop 10%

Vista, CA 92084

$999,000

Pass at asking: -$3,234/mo full cashflow at 20% down, 7.49% rate.

Works at $579,714 (42% under asking), or at 67% down.

Rent $5,807/mo from 7 leases of 3–5 bed houses in 92084 ($5,309–$5,926).

Beds

4

Baths

3

Sqft

3,012

Year Built

1977

Days on Market

—

Property Type

Single Family

HOA/mo

N/A

MLS ID

26106070

This property is in Vista (92084). Browse neighborhood analytics →

About This Property

Solar paid off! Enjoy sweeping sunset, valley, hill, and peek ocean views from this exceptional property set on a private 0.92-acre lot. Offering 3,012 sq. ft. of living space with 5 bedrooms and 3 bathrooms, this home features an open floor plan with a beautifully updated kitchen, complete with granite countertops, stainless steel appliances, and travertine flooring. The formal dining room includes a built-in buffet, French doors, and dramatic floor-to-ceiling windows that showcase the stunning scenery. Two fireplaces, one equipped with a wood stove blower, add warmth and charm, while oak flooring enhances the living room. Expansive view decks create seamless indoor-outdoor living, perfect for relaxing or entertaining. Additional highlights include an efficient solar hot water system, mature fruit trees, RV parking, and a versatile lower-level bonus suite with its own bathroom, ideal for guests, extended family, or a home office.A rare combination of privacy, space, energy efficiency, and breathtaking views at an unbeatable valuedon't miss this opportunity!

Mortgage Calculator

Est. Monthly Payment

$6,873

Principal & Interest$5,583
Property Tax$999
Insurance$291
%($199,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Hannalei Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena Vista High · grades 9-12 · Vista 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

51A
Est. Monthly Rent
$5,807

7 leases of 3–5 bed houses in 92084 · $5,309–$5,926

Blended 50/50 with the zip's market median ($5,994)

Monthly Cashflow

Rent − PITIA

-$1,066
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,234

What would make this work?

$3,234/mo short at 20% down; 67% down or +$4,200/mo rent closes it.

Break-even price

42% under asking

$579,714
Break-even rent

$4,200/mo above the estimate

$10,007/mo
Cashflow at 35% down
−$2,187/mo
Down payment to break even

$669,330 cash

67%
Rate to break even

at 20% down

0.38%

Mortgage (P+I)
$5,583
Cap Rate
3.17%
Cash-on-Cash
-19.42%
DSCR

Need ≥ 1.25 for DSCR loan

0.84

NOI (Annual)
$31,671
Price-to-Rent

Lower = better for investors

14.3

* Modelled at 20% down, 7.49% 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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ACashflow−$3,234/mo