$1,980,000
Investment Summary
We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.
- Monthly Cash Flow
- -$6,265
- Cap Rate
- 1.9%
- Cash-on-Cash Return
- -16.5%
- Debt Coverage Ratio
- 0.33
- Internal Rate of Return (5 years)
- -12.0%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Exquisite Sunset Orientation, set amidst the rolling vineyards and breathtaking landscapes of Temecula’s Wine Country, this extraordinary well built with attention to detail, single-story 4.7-acre estate is on the market for the first time. It is a masterpiece of refined luxury and resort-style tranquility, offering a true retreat experience. A winding illuminated driveway lined with cypress trees and drought-tolerant landscaping leads to an elegant circular motor court, where stately olive trees evoke the charm of a private vineyard retreat. Enjoy expansive open spaces, sophisticated craftsmanship, and panoramic sunset views. The main residence is approximately 3,000 square feet, accompanied by an 800-square-foot one-bedroom casita over the garage. An additional pad is available for a larger ADU, casita, guest house, RV storage, car collection, workshop, stables, sport court, or ideal for equestrian facilities. 2x6 construction, R19 insulation make this home very energy efficient. Every element of the estate has been meticulously designed to deliver a seamless blend of luxury, durability, and convenience. The East Wing welcomes you with a bright, inviting great room. Floor-to-ceiling Milgard double-pane windows showcase rolling vineyard vistas. A striking fireplace connects the great room to a casual dining area. The gourmet kitchen features luxurious countertops and an open-concept flow into a formal dining room—perfect for elegant gatherings. Thoughtful attention to construction details, 2x6 construction and R19 insulation provide cost effective heating and air conditioning. Every element of the estate has been meticulously designed to deliver a seamless blend of luxury, durability, and convenience. The East Wing welcomes you with a bright, inviting great room. Floor-to-ceiling Milgard double-pane windows showcase rolling vineyard vistas. A striking fireplace connects the great room to a casual dining area. The gourmet kitchen features luxurious countertops and an open-concept flow into a formal dining room—perfect for elegant gatherings. This wing also includes two spacious bedrooms, two full bathrooms, and a dedicated laundry room. In contrast, the West Wing serves as a private sanctuary with a sumptuous primary suite featuring sunset views, its own fireplace, direct outdoor access, and a spa-like en-suite bath with an InstaHOT water heater. An additional versatile bedroom offers an ideal space for a study, home office, library, or craft room. Superior craftsmanship is evident throughout, with energy-efficient 2x6 exterior stud framing, R-19 insulation, 5/8” drywall, a three-zone HVAC system with independent thermostats, and a galvanized duct system for sound insulation. An oversized foundation with engineered footings allows for future expansion, while an expandable leach field ensures long-term sustainability. A 24-inch roof overhang optimizes shade and energy conservation, and an EV/RV 30-amp plug in the garage meets modern needs. Beyond the interior, the estate transforms into an outdoor resort-inspired oasis. A saltwater pool and spa, heated by a dedicated 240-gallon propane tank, set the stage for ultimate relaxation. The innovative PentAIR system wirelessly controls the pool, jacuzzi, and all fire and water features for effortless resort-style living. Twin fire bowls atop wine barrels with a water feature cast a warm glow over the water, while a sunken lounge with a linear fire pit offers a cozy space for enjoying panoramic sunset views. Tall cypress trees frame the lush landscaping, enhanced by modern hardscape elements, neutral-toned stonework, and geometric grass inlays. A beautifully landscaped garden pathway, adorned with native plants and flowering accents, leads to a detached ADU with a private entry, full kitchen, living room, private laundry, and full bath ideal for multi-generational living, guests, or short-term rental potential. The ADU’s private balcony provides front-row sunset views over the vineyards. An expansive garage offers ample space for a workshop, storage, and a fenced area for equipment. Boasting unparalleled privacy, exclusivity, and sweeping vineyard panoramas, this estate transcends the ordinary home. It stands as a bold testament to custom design and embodies the pinnacle of wine country luxury. All just minutes from Temecula’s world-class wineries.
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Location
Property Details
Parking
- Description: Detached Garage
- Details: Garage Door Opener, Attached
- Garage Spaces: 3
- Spaces Total: 11
Bedroom Information
- # of Bedrooms: 5
Bathroom Information
- # of Baths (Full): 4
- # of Baths (Total): 5.0
Interior Features
- # of Stories: 1
- Fireplace: Yes
Exterior Features
- Roof Material: Spanish Tile
- Pool: Yes
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 924270016
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 2005
Tax Information
- Annual Tax: $0
Utilities
- Heating: Propane
- Cooling: Central Air, Gas
Location
- County: Riverside
Listing Details
Investment Summary
We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.
- Monthly Cash Flow
- -$6,265
- Cap Rate
- 1.9%
- Cash-on-Cash Return
- -16.5%
- Debt Coverage Ratio
- 0.33
- Internal Rate of Return (5 years)
- -12.0%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $1,980,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$1,584,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $396,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $59,400 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $455,400 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 3,722 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $532 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $1.21 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $1,584,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 5.875% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $9,370 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $0 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $315 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $9,685 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $4,500 | $54,000 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$270 | -$3,240 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $4,230 | $50,760 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
We noticed that property taxes are missing—these are standard expenses and should be considered in your estimate. | n/a | n/a | n/a |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$315 | -$3,780 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$360 | -$4,320 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$225 | -$2,700 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$225 | -$2,700 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | n/a | n/a | n/a |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 25% | -$1,125 | -$13,500 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $3,105 | $37,260 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$9,370 | -$112,440 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | -$6,265 | -$75,180 |