40390 Ross Road
Dbottom 20%Fallbrook, CA 92028
Pass at asking: -$16,838/mo full cashflow at 20% down, 7.36% rate.
Works at $424,564 (84% under asking); even all cash loses money at asking.
Rent $4,214/mo from 4 leases of 4-bed houses in 92028 ($3,056–$3,751).
Beds
4
Baths
2
Sqft
1,500
Year Built
1978
Days on Market
337
Property Type
Single Family
HOA/mo
N/A
MLS ID
SW25274653
This property is in Fallbrook (92028). Browse neighborhood analytics →
About This Property
80 exceptional acres spread across five legal parcels, offering a rare frost-free, fully irrigated agricultural estate powered by a 150+ GPM well and a massive owned 153.6 kW solar array with 480 panels to offset pumping costs. The property includes three water meters, panoramic views in every direction, and a fully remodeled 4BR/2BA home with an attached two-car garage--ideal for personal use or a high-demand Airbnb. With 3,500+- avocado trees, 1,000+- Eureka lemon trees, and room to expand, this income-producing ranch is primed for long-term agricultural, residential, or investment potential.
Mortgage Calculator
Est. Monthly Payment
$17,894
Location
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Zoned Schools
Elementary
William H. Frazier 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.
Comparable Properties
3 comps foundThis Property
$4,214
Comp Average
$4,339
2864 Live Oak Park
4bd / 3.5ba · 2,000 sqft · Single Family
$1.60M
Est. $4,471/mo
38083 De Luz Rd
3bd / 2ba · 2,200 sqft · Single Family
$1.80M
Est. $4,195/mo
6036 Rainbow Heights Road
4bd / 3ba · 2,568 sqft · Single Family
$4.00M
Est. $4,351/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
4 leases of 4-bed houses in 92028 · $3,056–$3,751
Blended 50/50 with the zip's market median ($5,102)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$16,838/mo short at 20% down; +$21,868/mo rent closes it.
- Break-even price
- $424,564
- Break-even rent
- $26,082/mo
- Cashflow at 35% down
- −$14,120/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
84% under asking
$21,868/mo above the estimate
Negative even all-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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