5001 Calle Arquero
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5001 Calle Arquero

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$885,000
STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,635/mo full cashflow at 20% down, 7.36% rate.

Works at $409,332 (54% under asking), or at 80% down.

Rent $4,166/mo from 8 leases of 4-bed houses within 0.5 mi, same school area ($3,729–$4,084).

Beds

4

Baths

2

Sqft

1,790

Year Built

2001

Days on Market

49

Property Type

Single Family

HOA/mo

$80

MLS ID

260023392SD

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to single-story living in Sonoma Hills, one of Oceanside's pride of ownership communities. This lovely home was recently refreshed with new carpeting throughout, new ceiling fans and lighting, making the open comfortable floorplan even more inviting. (See supplemement) You'll appreciate the inviting lawn and garden area as you pull into the driveway. Upon entering, the vaulted ceilings and sunbathed living/dining room will bring an instant smile. NOTE: the 4th bedroom is currently incorporated as an open den/office to be part of the overall initial presentation of the home but can easily be converted to a full bedroom with closet. The kitchen features a center island, ample cabinet storage and flows easily into the cozy family room with fireplace and entertainment niche. The bedrooms are conveniently separated from the entertainment area of the home. The primary is quite spacious and you'll appreciate the spa-like bathroom with separate glass enclosed shower and oval soaking tub. The backyard is nicely landscaped with patio, lawn, and garden areas. The Sonoma Hills community is conveniently located to the Bonsall West Elementary school, shopping, and access roads to and from the surrounding amenities. The only missing features are the personal touches you can add to make this home your very own.

Mortgage Calculator

Est. Monthly Payment

$6,106

Principal & Interest$4,883
Property Tax$885
Insurance$258
HOA$80
%($177,000)
%
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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

34C
Est. Monthly Rent
$4,166

8 leases of 4-bed houses within 0.5 mi, same school area · $3,729–$4,084

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,940
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,635

What would make this work?

$3,635/mo short at 20% down; 80% down or +$4,721/mo rent closes it.

Break-even price

54% under asking

$409,332
Break-even rent

$4,721/mo above the estimate

$8,887/mo
Cashflow at 35% down
−$2,720/mo
Down payment to break even

$708,000 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,883
Cap Rate
1.97%
Cash-on-Cash
-24.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.68

NOI (Annual)
$17,467
Price-to-Rent

Lower = better for investors

17.7

* 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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CCashflow−$3,635/mo