$4,270,000
Investment Summary
We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.
- Monthly Cash Flow
- -$14,001
- Cap Rate
- 2.1%
- Cash-on-Cash Return
- -17.1%
- Debt Coverage Ratio
- 0.35
- Internal Rate of Return (5 years)
- -12.5%
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
PRIVATE STREET TO GATED DREAM HOME ON TOP OF A 4+ACRE CORNERLOT - 180+DEGREE BREATHTAKING PANORAMIC VIEWS - YOUR CHOICE OF BUILDING ADDITIONAL HOMES - GUEST HOUSE - SPORTS COURT - VINEYARD - AGRICULTURE - HORSE BOARDING COMMERCIAL+PRIVATE - NO HOA - NO MELLO ROOS - NO CC&RS - NO CLUB FEES OR OTHER DUES - YOU LIVE FREE ON YOUR LAND - NO IMMEDIATE NEIGHBORS - MAY SELL FULLY FURNISHED - FIRE AND EARTHQUAKE INSURANCE A RARE OPPORTUNITY TO OWN A 4+ACRE LUXURIOUS EUROPEAN FLAIR ESTATE IN THE PRESTIGIOUS AND ELEGANT ENCLAVE OF RANCHO SANTA FE. THE 180+DEGREE PANORAMIC SWEEPING VIEWS WILL LEAVE YOU BREATHLESS. THE HOME IS TECHNICALLY A 2 STORY, LOOKS LIKE A SPLIT LEVEL AND LIVES LIKE A SINGLE LEVEL. YOU MAY EVEN CALL IT A TRIPLEX MULTI UNIT. THE PRECISE ATTENTION TO EVERY DETAIL IS OBVIOUS THROUGHOUT THIS HOME. IT HAS BEEN METICULOUSLY FULLY RENOVATED AND HIGHLY UPGRADED IN 2019. RECESSED AND DESIGNER LOW ENERGY LIGHTING. INSTALLED CHAMPION TRI FUEL GENERATOR FOR POWER OUTAGES AS WELL AS A FULL SOLAR SYSTEM WITH TESLA POWERWALL 3 AUTO POWER BACKUP SWITCH PERFORMING AS ENORMOUS ENERGY SAVING DEVICE. IN ADDITION YOU HAVE YOUR OWN ELECTRIC CAR CHARGER. HAND SCRAPED BEVELED EDGE WIDE PLANK HARDWOOD FLOORS. CULCUTTA MARBLE COUNTERTOPS ON ALL COUNTER SURFACES ON BOTH KITCHENS, KITCHEN BAR, WET BAR AND ALL 4 BATHROOMS. PREMIUM TANKLESS WATER HEATER WITH MOTION DETECTED RECIRCULATING HOT WATER PUMP SAVING GALLONS. RAYNE WATER PURIFIER SYSTEM. LOW MAINTANANCE LANDSCAPING WAS PERFORMED IN 2022. MANY FURTHER UPGRADES INCLUDING A NEW ROOF AND AN EXTRAORDINARY POOL SYSTEM OASIS HAVE BEEN ADDED IN 2023.THE POOL AREA FEATURES A FULL OUTDOOR KITCHEN WITH BUILT IN BARBEQUE, A DINING AREA AND INVITES TO ENTERTAIN ANY SIZE PARTY. ALMOST UNLIMITED PARKING AVAILABLE.THE GREAT ENTRANCE FEATURES SOLID BRAZILIAN ROSEWOOD ARCHED DOUBLE DOORS, HAND CARVED BY A LOCAL MASTER CARPENTER.ROSEWOOD IS NO LONGER AVAILABLE DUE TO INTERNATIONAL ENVIRONMENTAL REGULATIONS WHICH MAKES THOSE DOORS PRICELESS WORKS OF ART.THE MOSTLY FACING SOUTH AND WEST ARCHED WINDOWS AND SKYLIGHTS BRING WARM, NATURAL LIGHT INTO THE UPPER LEVEL AND LET YOU WATCH SUNRISE AND AIR BALLOONS DIVING INTO A ROMANTIC SUNSET.A CONGENIAL FLOORPLAN OFFERS ON THE MAIN LEVEL A STUNNING LIVING ROOM WITH A FIREPLACE, DINING ROOM, BREAKFAST AREA, FAMILY ROOM WITH A FIREPLACE AND A BEAUTIFULLY DESIGNED WET BAR WITH WINE FRIDGE, ALL FEATURING 180+ DEGREE PANORAMIC VIEWS. DUAL AC AND HEAT. GOURMET CHEF'S SEMI OPEN KITCHEN WITH ALL HIGH GRADE APPLIANCES. AS WELL 2 BEDROOMS WITH VERY SPACIOUS WALK IN CLOSETS. THE MASTER WITH A FIREPLACE. 2 EN-SUITE BATHROOMS WITH ITALIAN CARRERA SHOWERS AND PORCELAIN FLOORS.ON THE LOWER LEVEL 2 BEDROOMS AND 2 BATHROOMS FEATURE SEPERATE PRIVATE ENTRANCES. 1 BEDROOM WITH EN-SUITE BATHROOM AND LAUNDRY IS DESIGNED AS A STUDIO, LIVING AREA, FULL KITCHEN AND MURPHY BED. DUAL AC AND HEAT.YOU WILL ENJOY A BIG STORAGE ROOM AND A 700 BOTTLE NATURAL COOLED WINE CELLAR. AN OVERSIZED 2 CAR GARAGE OFFERS DIRECT WALK IN TO YOUR HOUSE.THE ONE CAR GARAGE MAY BE SEPARATED FOR THE LOWER LEVEL APPARTMENTS.A PERFECT LAYOUT AS AN INCOME PRODUCING RENTAL UNIT, FOR AGING PARENTS, A MAID OR A GROWING FAMILY.ONE CAN LIVE A RELAXED COUNTRY OR UPSCALE CITY LIFE. CLOSE TO I-5 AND I-15. EASY ACCESS TO BEACHES, SHOPPING, FINE RESTAURANTS. CLOSE TO HORSE RIDING TRAILS, SANTA FE VALLEY TRAIL, SAN DIEGITO RIVER PARK, LAKE HODGES, WORLD FAMOUS DEL MAR RACETRAC AND FAIRGROUNDS, THE LEGENDARY RANCHO SANTA FE GOLF AND COUNTRY CLUB. YOU OVERLOOK THE WHOLE CROSBY GOLF COURSE AND THE BRIDGES GOLF AND COUNTRY CLUB IS IN THE NEIGHBORHOOD AS WELL.
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Location
Property Details
Parking
- Description: Attached, Gated, Driveway
- Details: Attached
- Garage Spaces: 3
- Spaces Total: 7
Bedroom Information
- # of Bedrooms: 4
Bathroom Information
- # of Baths (Full): 4
- # of Baths (Total): 4.0
Interior Features
- # of Stories: 2
- Fireplace: Yes
Exterior Features
- Pool: Yes
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 2653802500
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 1989
Tax Information
- Annual Tax: $0
Utilities
- Heating: Fireplace(s), Forced Air, Propane
- 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
- -$14,001
- Cap Rate
- 2.1%
- Cash-on-Cash Return
- -17.1%
- Debt Coverage Ratio
- 0.35
- Internal Rate of Return (5 years)
- -12.5%
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:
| $4,270,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$3,416,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $854,000 |
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:
| $128,100 |
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:
| $982,100 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 4,636 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $921 |
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:
| $2.37 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $3,416,000 |
|---|---|
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:
| 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:
| $21,591 |
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:
| $770 |
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:
| $22,361 |
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:
| $11,000 | $132,000 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$660 | -$7,920 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $10,340 | $124,080 |
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% | -$770 | -$9,240 |
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% | -$880 | -$10,560 |
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% | -$550 | -$6,600 |
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% | -$550 | -$6,600 |
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% | -$2,750 | -$33,000 |
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:
| $7,590 | $91,080 |
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. | -$21,591 | -$259,092 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $14,001 | $168,012 |