732 Westbrook Loop

732 Westbrook Loop

Ctop 80%

San Marcos, CA 92078Neighborhood: Barham/Discovery

$1,649,000
NEW — 0d
STR: check · San Marcos: confirm the zone · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$8,039/mo full cashflow at 20% down, 7.43% rate.

Works at $602,259 (63% under asking), or at 91% down.

Rent $6,322/mo from 12 leases of 4–6 bed houses within 2 mi ($5,682–$6,494).

Beds

5

Baths

4.5

Sqft

3,453

Year Built

2023

Days on Market

0

Property Type

Single Family

HOA/mo

$242

MLS ID

260026612SD

This property is in San Marcos (92078). View neighborhood stats →

About This Property

Welcome to 732 Westbrook Loop, a beautifully appointed home in the desirable gated Mission Circle community. Built in 2023, this impressive residence offers 5 bedrooms, 4.5 bathrooms, and 3,453 square feet of thoughtfully designed living space. Situated on one of the community's larger lots, the home features an expansive, open backyard offering exceptional space for entertaining, outdoor dining, and relaxation. A standout feature is the attached private casita, complete with its own entrance, kitchenette, and full bathroom, ideal for multigenerational living, extended guests, or a private home office. Interior finishes include elegant quartz countertops, luxury vinyl flooring throughout, designer tile, and stylish backsplashes. Leased solar with battery storage provides added energy efficiency, while newer construction offers the convenience of low-maintenance living. Residents enjoy gated access and community amenities including a pool, spa, clubhouse, and playground. Ideally located near highly regarded San Marcos schools, including Discovery Elementary and San Marcos High School, the home also offers convenient access to Cal State San Marcos, North City's vibrant dining and entertainment scene, shopping, parks, and major commuter routes. With nearby beaches, coastal communities, and everyday conveniences just a short drive away, this exceptional property combines modern design, flexible living, and an outstanding North County San Diego location.

Mortgage Calculator

Est. Monthly Payment

$11,533

Principal & Interest$9,161
Property Tax$1,649
Insurance$481
HOA$242
%($329,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Discovery Elementary · grades K-5 · San Marcos Unified

  • Middle

    San Marcos Middle · grades 6-8 · San Marcos Unified

  • High

    San Marcos High · grades 9-12 · San Marcos 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

10C
Est. Monthly Rent
$6,322

12 leases of 4–6 bed houses within 2 mi · $5,682–$6,494

Blended 50/50 with the zip's market median ($6,630)

Monthly Cashflow

Rent − PITIA

-$5,211
Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,039

What would make this work?

$8,039/mo short at 20% down; 91% down or +$10,440/mo rent closes it.

Break-even price

63% under asking

$602,259
Break-even rent

$10,440/mo above the estimate

$16,762/mo
Cashflow at 35% down
−$6,321/mo
Down payment to break even

$1,500,590 cash

91%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,161
Cap Rate
1.05%
Cash-on-Cash
-29.25%
DSCR

Need ≥ 1.25 for DSCR loan

0.55

NOI (Annual)
$17,254
Price-to-Rent

Lower = better for investors

21.7

* 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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CCashflow−$8,039/mo