521 Rancho Camino
Ctop 80%Fallbrook, CA 92028
Pass at asking: -$10,385/mo full cashflow at 20% down, 7.49% rate.
Works at $553,505 (71% under asking), or at 99% down.
Rent $5,544/mo from 4 leases of 4-bed houses in 92028 ($5,095–$6,255).
Beds
4
Baths
3
Sqft
4,170
Year Built
2002
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
260026122SD
This property is in Fallbrook (92028). Browse neighborhood analytics →
About This Property
Set behind a private gate at the end of a winding drive, 521 Rancho Camino unfolds gradually. Perched across approximately three acres with sweeping mountain and valley views, the setting is defined by mature trees, citrus groves, open skies, and a kind of quiet that is becoming increasingly rare. Redesigned with modernized finishes throughout, the home pairs ranch-inspired architecture with contemporary design and an easy connection to the outdoors. Vaulted, wood-beam ceilings create volume and openness, while expansive bifold doors extend the living spaces outward to a 1,000+ sf entertaining deck overlooking the pool and surrounding hillsides. Designed with a main-level living experience in mind, the home flows naturally between the kitchen, dining, and living spaces. At the center of it all, the kitchen was designed for gathering -- featuring an oversized island, updated appliances, and connection to the surrounding entertaining areas. Just beyond, a dedicated media room with a wet bar and wine refrigerator offers a more intimate space to unwind or host guests. Positioned on its own wing, the primary suite welcomes in soft morning light through French doors and opens directly to a deck overlooking the mountains. The spa-inspired bath features a seamless entry shower, soaking tub and walk-in closet. Outside, the property continues to reveal itself through multiple seating areas, a built-in barbecue, pool and spa positioned toward the views, and an outdoor red light sauna thoughtfully placed to take in the surrounding landscape. The remodeled guest house, barn/workshop, horse-friendly grounds, solar, dual-zone heating and cooling add both flexibility and functionality to the property. Located in South Fallbrook with convenient access to Highway 76 and the coast beyond, 521 Rancho Camino offers a lifestyle centered around space, privacy, and a slower pace of living. No HOA!
Mortgage Calculator
Est. Monthly Payment
$13,071
Location
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Zoned Schools
Elementary
Fallbrook STEM Academy · 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
5 comps foundThis Property
$5,544
Comp Average
$5,884
4709 Briana Court
5bd / 5.5ba · 4,225 sqft · Single Family
$1.95M
Est. $6,883/mo

4462 Fallsbrae Rd
4bd / 4ba · 3,930 sqft · Single Family
$1.60M
Est. $5,382/mo
3642 Alta Vista Drive
4bd / 3ba · 4,583 sqft · Single Family
$1.80M
Est. $5,951/mo
3068 Willow Heights Road
4bd / 4.5ba · 4,122 sqft · Single Family
$1.85M
Est. $5,512/mo

3508 Vista Corona
5bd / 5ba · 4,122 sqft · Single Family
$2.10M
Est. $5,690/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
4 leases of 4-bed houses in 92028 · $5,095–$6,255
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$10,385/mo short at 20% down; 99% down or +$13,487/mo rent closes it.
- Break-even price
- $553,505
- Break-even rent
- $19,031/mo
- Cashflow at 35% down
- −$8,395/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$13,487/mo above the estimate
$1,880,901 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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