7915 Vista Palma

7915 Vista Palma

Ctop 80%

Carlsbad, CA 92009

$2,095,000
NEW — 1d

Pass at asking: -$10,345/mo full cashflow at 20% down, 7.43% rate.

Works at $748,152 (64% under asking), or at 92% down.

Rent $7,683/mo from 8 leases of 4–6 bed houses within 1 mi ($6,922–$8,027).

Beds

5

Baths

4

Sqft

2,797

Year Built

2001

Days on Market

1

Property Type

Single Family

HOA/mo

$170

MLS ID

260026701SD

This property is in Carlsbad (92009). View neighborhood stats →

About This Property

Nestled on a quiet cul-de-sac in the highly desirable La Costa Valley, this beautifully maintained 5-bedroom, 4-bathroom residence perfectly blends spacious luxury with an active Southern California lifestyle. Inside, lofty ceilings and abundant natural light showcase an open living area complete with a cozy fireplace and custom built-ins. The chef's kitchen boasts a wealth of cabinetry, expansive counter space, and premium stainless steel gas appliances, all overlooking a lush, private backyard tailored for effortless entertaining. Flexibility highlights the main level, which features a den and a lower-level bedroom and bath ideal for a home office or guest suite. Upstairs, the massive primary retreat serves as a peaceful sanctuary with its elegant tray ceiling, dual sinks, vanity, soaking tub, separate shower, and walk-in closet, alongside three additional spacious bedrooms and two baths. Complete with the incredible financial perk of paid solar, this home sits just steps from the resort-style amenities of the Valley Club--including a pool, spa, tennis and pickleball courts, a fitness center, and walking trails--and places you minutes from top-rated schools, shopping, dining, golf, and the beach. Welcome Home!

Mortgage Calculator

Est. Monthly Payment

$14,515

Principal & Interest$11,639
Property Tax$2,095
Insurance$611
HOA$170
%($419,000)
%
Loan Term

Location

Loading map...

Investment Score

10C
Est. Monthly Rent
$7,683

8 leases of 4–6 bed houses within 1 mi · $6,922–$8,027

Blended 50/50 with the zip's market median ($7,928)

Monthly Cashflow

Rent − PITIA

-$6,832
Full Cashflow

Incl. vacancy, PM, maint, capex

-$10,345

What would make this work?

$10,345/mo short at 20% down; 92% down or +$13,434/mo rent closes it.

Break-even price

64% under asking

$748,152
Break-even rent

$13,434/mo above the estimate

$21,117/mo
Cashflow at 35% down
−$8,162/mo
Down payment to break even

$1,927,400 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$11,639
Cap Rate
0.96%
Cash-on-Cash
-29.63%
DSCR

Need ≥ 1.25 for DSCR loan

0.53

NOI (Annual)
$20,139
Price-to-Rent

Lower = better for investors

22.7

* 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.

Open Full Calculator
CCashflow−$10,345/mo