926 Lupine Hills Drive #15
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926 Lupine Hills Drive #15

Btop 30%

Vista, CA 92081

$559,000
STR: check · HOA rules unknown · TOT 10%

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: -$2,443/mo full cashflow at 20% down, 7.36% rate.

Works at $239,341 (57% under asking), or at 84% down.

Rent $3,077/mo from 4 leases of 2-bed condos & townhomes in 92081 ($2,852–$3,317).

Beds

2

Baths

2

Sqft

1,156

Year Built

1982

Days on Market

144

Property Type

Condo

HOA/mo

$540

MLS ID

SW26134995

This property is in Vista (92081). View neighborhood stats →

About This Property

Welcome to this updated 2-bed, 2-bath condo offering comfort, style, and an ideal location in Shadowridge, in the heart of Vista. Home has 1,156 sq ft of living space, a private 1-car garage and located on the first floor in a prime spot! Step inside to a bright and airy floor plan featuring a spacious living room with 9 foot ceilings spreading abundant natural light, tile flooring, neutral paint and seamless access to the outdoor patio — perfect for morning coffee or relaxing evenings. The updated kitchen offers white cabinets, stainless steel appliances, ample storage, generous counter space with breakfast bar and a functional layout that opens nicely to the dining area. The bedrooms are generously sized with laminate flooring, ceiling fans and the Master has an en-suite bathroom with a huge mirrored closet. The second bedroom provides flexibility for a guest room, office, or personal retreat. There is also an inside laundry area, storage closet and thoughtful touches that make the home feel inviting and move-in ready. Conveniently located just minutes from shopping, dining, parks, highly rated schools, and major freeways for easy commuting.

Mortgage Calculator

Est. Monthly Payment

$4,346

Principal & Interest$3,084
Property Tax$559
Insurance$163
HOA$540
%($111,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Breeze Hill Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena Vista High · grades 9-12 · Vista 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

43B
Est. Monthly Rent
$3,077

4 leases of 2-bed condos & townhomes in 92081 · $2,852–$3,317

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,269
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,443

What would make this work?

$2,443/mo short at 20% down; 84% down or +$3,172/mo rent closes it.

Break-even price

57% under asking

$239,341
Break-even rent

$3,172/mo above the estimate

$6,249/mo
Cashflow at 35% down
−$1,864/mo
Down payment to break even

$469,560 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,084
Cap Rate
1.71%
Cash-on-Cash
-26.22%
DSCR

Need ≥ 1.25 for DSCR loan

0.71

NOI (Annual)
$9,544
Price-to-Rent

Lower = better for investors

15.1

* Modelled at 20% down, 7.36% 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−$2,443/mo