5474 Starlight Pl
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5474 Starlight Pl

Btop 30%

Bonsall, CA 92003

$835,000
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: -$2,980/mo full cashflow at 20% down, 7.43% rate.

Works at $447,170 (46% under asking), or at 72% down.

Rent $4,739/mo from 73 leases of 4-bed condos & townhomes across San Diego County ($4,271–$5,565).

Beds

4

Baths

3

Sqft

2,043

Year Built

2021

Days on Market

66

Property Type

Condo

HOA/mo

$215

MLS ID

NDP2608373

This property is in Bonsall (92003). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to the highly sought-after community of Fairview! Newer Construction Home Built in 2021 & on a Corner Lot, with no shared walls. The home features a Spacious Downstairs Bedroom & Bathroom, Ideal for guests or Multigenerational Living. Features include: Owned & Paid-off Solar Panels, Quartz Countertops & Island in Kitchen, Perfect for Everyday Living & Entertaining. The home includes a Smart Home Panel, Bonus or Game Room, and Office Nook. Outside is a Finished Backyard featuring UpgradedBrick Travertine Tile, a mature Lemon & Lime Tree, giving the Perfect Space for Outdoor BBQing & Relaxation. The Oversized Two-car Garage easily accommodates two full-size vehicles with additional storage, Plus 2 Additional Parking Spaces in the Driveway. Bonsall Unified School District, including Bonsall Elementary School, Sullivan Middle School, and Bonsall High School. Residents Enjoy Community Amenities, Including a Playground, Dog Parks & Picnic Areas. Adding to the Neighborhood's Appeal, a Brand-new Bonsall Community SPORTS PARK is Coming Soon, with Pickleball, Basketball & Tennis Courts, Soccer & Baseball Fields, Skate Park, Bike Skills Park, 2-acre Dog Park, Playgrounds, Walking Trails, for Recreation & an Active Lifestyle. Nature lovers will appreciate the San Luis Rey Bike Trail. Close to Major Marketplaces, restaurants, Golf Courses, Bonsall Preserve with scenic walking and biking trails, and easy access to the 76 and 15. The Ocean is only 12 miles away. This Exceptional Home Offers the Perfect Blend of Convenience & Outstanding Community Living. Buyer to Verify.

Mortgage Calculator

Est. Monthly Payment

$5,932

Principal & Interest$4,639
Property Tax$835
Insurance$244
HOA$215
%($167,000)
%
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.

Investment Score

50B
Est. Monthly Rent
$4,739

73 leases of 4-bed condos & townhomes across San Diego County · $4,271–$5,565

Thin data: no leases of this kind of home nearby — these are county-wide.

Monthly Cashflow

Rent − PITIA

-$1,194
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,980

What would make this work?

$2,980/mo short at 20% down; 72% down or +$3,870/mo rent closes it.

Break-even price

46% under asking

$447,170
Break-even rent

$3,870/mo above the estimate

$8,609/mo
Cashflow at 35% down
−$2,110/mo
Down payment to break even

$601,200 cash

72%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,639
Cap Rate
2.73%
Cash-on-Cash
-21.41%
DSCR

Need ≥ 1.25 for DSCR loan

0.80

NOI (Annual)
$22,754
Price-to-Rent

Lower = better for investors

14.7

* 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−$2,980/mo