629 Via Santiago

629 Via Santiago

D

Vista, CA 92081

$620,000

Soft Appraisal Value: $612,700 · 1.2% above estimate

Beds

2

Baths

2

Sqft

1,864

Year Built

1985

Days on Market

139

Property Type

Manufactured

HOA/mo

$110

MLS ID

250043142SD

Description

Spacious, Solar-Powered, Land owned. Welcome home to Vista Del Mar, a desirable 55+ community offering resort-style living near the coast. This home features 2 bedrooms, 2 baths, and one of the largest floor plans in the neighborhood. Enjoy a remodeled kitchen and bathrooms, energy-efficient solar panels, a dedicated laundry room, and an attached two-car garage. The spacious layout provides both comfort and functionality, perfect for everyday living and entertaining to stay socially and physically active. Located in a prime area close to freeways, beaches, shopping, and dining, this home offers the ideal blend of convenience and relaxation. The community amenities include a heated pool, spa, clubhouse, ballroom, library, RV/Boat Parking, horseshoe pit, walking and biking trails, plenty of guest parking and recreation room, tenniscourt & pickleball court providing endless opportunities for leisure and social connection

Mortgage Calculator

Est. Monthly Payment

$4,046

Principal & Interest$3,135
Property Tax$620
Insurance$181
HOA$110
%($124,000)
%

Investment Score

7D
Est. Monthly Rent
$2,631
Monthly Cashflow

Rent − PITI − HOA

$-1,415
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,537

Mortgage (P+I)
$3,135
Cap Rate
1.16%
Cash-on-Cash
-13.69%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.65
Break-even Rent
$4,046

NOI (Annual)
$7,178
Price-to-Rent

Lower = better for investors

19.6

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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