$1,549,900
Investment Summary
We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.
- Monthly Cash Flow
- -$3,659
- Cap Rate
- 3.2%
- Cash-on-Cash Return
- -12.3%
- Debt Coverage Ratio
- 0.53
- Internal Rate of Return (5 years)
- -7.9%
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
Views & Ultimate Privacy in Shadowridge – Located in the exclusive Shadowridge community of Highlands West, this stunning home offers 180-degree panoramic views and unmatched privacy. Nestled at the end of a quiet cul-de-sac neighborhood featuring just 23 semi-custom homes on expansive lots, this property epitomizes luxury living. Set on over 1.25 acres, the elevated hillside lot with mature trees provides space and seclusion. Step inside to soaring vaulted ceilings and natural light. The open-concept floor plan flows seamlessly, perfect for everyday living and entertaining. The chef’s kitchen boasts top-of-the-line Wolf and Sub-Zero appliances and sleek granite countertops. French and sliding doors connect the living space to the tranquil backyard, ideal for al fresco dining. The main level offers a spacious bedroom and full bathroom, perfect for guests or multi-generational living. Upstairs, the primary suite features breathtaking sunset views, vaulted ceilings, a soaking tub, and a walk-in closet. Two additional bedrooms and another full bath complete the upper floor. The 3-car garage has epoxy-coated floors and built-in cabinetry. Outside, low-maintenance landscaping enhances the serene environment, with a fully fenced backyard perfect for relaxation or entertaining. With fresh paint, modern light fixtures, and proximity to Buena Vista Park, Shadowridge Golf Club, Bressi Ranch shopping. Both privacy and convenience! Spectacular Views & Ultimate Privacy in Shadowridge – A Dream Home Awaits! Located in the highly coveted Shadowridge community, this gorgeous home offers breathtaking 180-degree panoramic views and unparalleled privacy. Situated at the end of a quiet cul-de-sac in the exclusive Highlands West neighborhood—comprising just 23 semi-custom homes on expansive lots—this home is the epitome of luxury living. Set on over 1.25 acres, this elevated hillside property features mature trees and a pie-shaped lot that enhances the sense of space and seclusion. As you enter, you’ll be captivated by the soaring vaulted ceilings and abundant natural light that fills the home. The open-concept floor plan offers an ideal flow for both everyday living and entertaining. The chef’s kitchen, equipped with top-of-the-line Wolf and Sub-Zero appliances, sleek granite countertops, perfect for preparing gourmet meals. French doors in the living room and sliding doors in the kitchen seamlessly connect the indoor space to the serene backyard, where you can dine al fresco and enjoy the tranquility of your private retreat. The main level features a spacious bedroom and full bathroom, ideal for guests or multi-generational living. Upstairs, the primary suite is an oasis, offering stunning sunset views, vaulted ceilings, a soaking tub, and a large walk-in closet. Two additional bedrooms and another full bathroom provide ample space for family or guests. The home boasts a spacious 3-car garage with epoxy-coated floors and built-in cabinetry for additional storage. Outside, the mature, low-maintenance landscaping creates a serene environment, and the fully fenced backyard offers a peaceful sanctuary, perfect for relaxation or entertaining. This home is move-in ready fresh paint, and modern light fixtures. Located near Buena Vista Park, Shadowridge Golf Club, and Bressi Ranch shopping, with easy access to the ocean just a few miles away, this property offers the best of both worlds: a private hillside retreat with convenient access to nearby amenities. Whether you’re enjoying the sunset views, relaxing in your private backyard, or exploring the nearby parks and trails, this home is the perfect blend of luxury, comfort, and location. Don’t miss your chance to own this stunning property in the heart of Shadowridge!
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Location
Property Details
Parking
- Description: Concrete
- Details: Garage Door Opener, Attached
- Garage Spaces: 3
- Spaces Total: 8
Bedroom Information
- # of Bedrooms: 4
Bathroom Information
- # of Baths (Full): 3
- # of Baths (Total): 3.0
Interior Features
- # of Stories: 2
- Fireplace: Yes
Exterior Features
- Roof Material: Flat Tile
HOA
- Has HOA: Yes
- Association: Shadowridge HOA
- HOA Fee: $100/monthly
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 2175401100
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 1990
Tax Information
- Annual Tax: $0
Utilities
- Water & Sewer: Public
- Heating: Fireplace(s), Forced Air, Electric
- 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
- -$3,659
- Cap Rate
- 3.2%
- Cash-on-Cash Return
- -12.3%
- Debt Coverage Ratio
- 0.53
- Internal Rate of Return (5 years)
- -7.9%
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:
| $1,549,900 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$1,239,920 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $309,980 |
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:
| $46,497 |
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:
| $356,477 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 3,072 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $505 |
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:
| $2.02 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $1,239,920 |
|---|---|
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:
| $7,837 |
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:
| $434 |
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:
| $8,271 |
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:
| $6,200 | $74,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$372 | -$4,464 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $5,828 | $69,936 |
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% | -$434 | -$5,208 |
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% | -$496 | -$5,952 |
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% | -$310 | -$3,720 |
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% | -$310 | -$3,720 |
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. | 2% | -$100 | -$1,200 |
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 | 27% | -$1,650 | -$19,800 |
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:
| $4,178 | $50,136 |
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. | -$7,837 | -$94,044 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $3,659 | $43,908 |