672 Inverlochy Dr
1 / 20

672 Inverlochy Dr

Ctop 80%

Fallbrook, CA 92028

$959,000
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: -$4,446/mo full cashflow at 20% down, 7.43% rate.

Works at $380,214 (60% under asking), or at 87% down.

Rent $4,203/mo from 8 leases of 3–5 bed houses within 2 mi ($4,075–$4,465).

Beds

4

Baths

2.5

Sqft

2,277

Year Built

2002

Days on Market

120

Property Type

Single Family

HOA/mo

$316

MLS ID

260017128SD

This property is in Fallbrook (92028). Browse neighborhood analytics →

Virtual Tour

About This Property

Inside the gates of Peppertree Park, this single-story 4 bed, 3 bath home offers 2,277 sq ft with no stairs between you and your morning coffee. The kitchen has already been updated: newer cabinetry, counters, and appliances, the renovation most buyers end up tackling themselves after they move in, already done. The backyard is fully landscaped and bordered by mature fruit trees for a lush, secret-garden feel scented by orange blossoms and citrus fruit, ideal for weekend BBQs or a glass of wine at the end of a weekday. The 3-car garage solves the storage problem most Fallbrook buyers know well. Built in 2002 on a .28-acre lot, with bones built to last. Peppertree Park includes a private park, playground, basketball court, and walking trails, all inside the gates, backing directly to the 46-acre Los Jilgueros Preserve. Downtown Fallbrook is 3 miles away for the farmer's market and local wineries, while keeping the quiet that brought you here. This is a home for a buyer who already knows what they don't want: more upkeep, more compromise, more waiting. Here, the work is done. The only thing left to do is enjoy it.

Mortgage Calculator

Est. Monthly Payment

$6,882

Principal & Interest$5,328
Property Tax$959
Insurance$280
HOA$316
%($191,800)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Live Oak 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.

Investment Score

19C
Est. Monthly Rent
$4,203

8 leases of 3–5 bed houses within 2 mi · $4,075–$4,465

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,680
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,446

What would make this work?

$4,446/mo short at 20% down; 87% down or +$5,773/mo rent closes it.

Break-even price

60% under asking

$380,214
Break-even rent

$5,773/mo above the estimate

$9,976/mo
Cashflow at 35% down
−$3,447/mo
Down payment to break even

$834,330 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,328
Cap Rate
1.37%
Cash-on-Cash
-27.81%
DSCR

Need ≥ 1.25 for DSCR loan

0.61

NOI (Annual)
$13,108
Price-to-Rent

Lower = better for investors

19.0

* 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.

Open Full Calculator
CCashflow−$4,446/mo