$3,999,999
Investment Summary
We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.
- Monthly Cash Flow
- -$15,258
- Cap Rate
- 1.5%
- Cash-on-Cash Return
- -19.9%
- Debt Coverage Ratio
- 0.25
- Internal Rate of Return (5 years)
- -15.2%
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
The Alfred H. Beach House – A Queen Anne Victorian Masterpiece Step into a living piece of history with the Alfred H. Beach House, Escondido’s most iconic Queen Anne Victorian estate. Built in 1896 and meticulously restored, this 4-bedroom, 3-bathroom residence offers 3,067 sq ft of elegant living on a beautifully landscaped corner lot in the Old Escondido Historic District. Designated on the National Register of Historic Places and under the Mills Act, this landmark property offers significant property tax savings. Rich in original detail, the home features hand-carved woodwork, stained-glass windows, period appropriate chandeliers, and an extensive collection of Bradbury & Bradbury hand-printed wallpaper—the largest known in a private residence nationwide. Enjoy a formal double parlor, grand dining room, and chef’s kitchen with Carrara marble counters. Outside, manicured gardens, a custom Victorian gazebo, and imported Italian fountain complete this one-of-a-kind retreat. Just blocks from Historic Grand Avenue, dining, shopping, and Escondido's thriving arts scene. A rare opportunity to own and preserve a crown jewel of Southern California history. The Alfred H. Beach House is more than a home—it’s a meticulously preserved architectural treasure that transports you to another era. This Queen Anne Victorian estate has stood proudly for over a century, lovingly cared for and thoughtfully enhanced by stewards who honored its past while preparing it for the future. Nestled in the heart of the Old Escondido Historic District, this residence is a textbook example of Victorian craftsmanship at its finest, featuring asymmetrical facades, elaborate gables, and ornamental spindles. The property has been featured in magazines, walking tours, and historic registers, solidifying its reputation as one of Escondido’s most iconic homes. Inside, every corner tells a story. From the restored vintage chandeliers to the inlaid hardwood floors and intricate crown molding, the home strikes the perfect balance between period authenticity and modern-day comfort. The thoughtful preservation includes: • Over 100 hand-printed wallpaper panels from Bradbury & Bradbury, an artisan studio known for museum-quality historical reproductions. • Stained and leaded glass windows, many original, offering soft natural light and color throughout the day. • A formal double parlor with pocket doors—ideal for entertaining or simply basking in the quiet charm of the era. The chef’s kitchen is a rare find in a historic home. Centered around a stunning custom cabinetry, Carrara marble countertops, a farmhouse sink, and high-end appliances that honor the home's style while serving modern functionality. Upstairs, you’ll find four generous bedrooms—including a turret room that feels like a page out of a storybook—and a charming blend of antique and updated bathrooms with classic clawfoot tubs and pedestal sinks. The landscaped half-acre lot is a true sanctuary. Wander the stone pathways through manicured gardens, enjoy tea beneath the award-winning Swiss Victorian gazebo, or listen to the tranquil sounds of the Italian-imported fountain. The detached garage, styled to match the home, offers bonus space for a workshop, art studio, or additional storage. Key property benefits: • Mills Act designation = substantial tax savings • National Register of Historic Places listing = long-term value and prestige • Impeccably maintained with recent upgrades, including roofing, paint, and HVAC • Period-style details including Eastlake hardware, push-button light switches, and vintage light fixtures Location is equally ideal—just a few blocks from the vibrant Grand Avenue District where you’ll find coffee shops, restaurants, weekly farmers markets, and live music events. For art lovers, the California Center for the Arts and local galleries are a short stroll away. Wine country, hiking trails, and coastal escapes are all within easy reach. Whether you’re a preservationist, a luxury buyer looking for character, or simply someone who appreciates the artistry of a bygone era, this home is unlike anything else on the market. This is not just a place to live—it’s a once-in-a-lifetime opportunity to own a legacy.
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Location
Property Details
Parking
- Description: Garage
- Details: Detached
- Garage Spaces: 2
- Spaces Total: 5
Bedroom Information
- # of Bedrooms: 4
Bathroom Information
- # of Baths (Full): 2
- # of Baths (Total): 3.0
Interior Features
- # of Stories: 3
- Fireplace: Yes
Land Information
- Land Use: Residential
- Land Use Subtype: Rural/Agricultural
Lot Information
- Parcel ID: 2334100100
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 1896
Tax Information
- Annual Tax: $0
Utilities
- Heating: Fireplace(s), Forced Air, Natural Gas, Wood
- Cooling: Central Air
Location
- County: San Diego
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
- -$15,258
- Cap Rate
- 1.5%
- Cash-on-Cash Return
- -19.9%
- Debt Coverage Ratio
- 0.25
- Internal Rate of Return (5 years)
- -15.2%
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:
| $3,999,999 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$3,199,999 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $800,000 |
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:
| $120,000 |
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:
| $920,000 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 3,067 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $1,304 |
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:
| $2.35 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $3,199,999 |
|---|---|
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:
| 6.500% |
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:
| $20,226 |
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:
| $504 |
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:
| $20,730 |
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:
| $7,200 | $86,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$432 | -$5,184 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $6,768 | $81,216 |
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% | -$504 | -$6,048 |
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% | -$576 | -$6,912 |
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% | -$360 | -$4,320 |
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% | -$360 | -$4,320 |
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% | -$1,800 | -$21,600 |
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:
| $4,968 | $59,616 |
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. | -$20,226 | -$242,712 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $15,258 | $183,096 |