10417 Whitcomb Way #101
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10417 Whitcomb Way #101

Ctop 80%

4S Ranch, CA 92127Neighborhood: 4S Ranch

$998,888
NEW — 0d
STR: check · HOA rules unknown · TOT 8%

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: -$4,804/mo full cashflow at 20% down, 7.36% rate.

Works at $370,194 (63% under asking), or at 90% down.

Rent $4,169/mo from 12 leases of 2–4 bed condos & townhomes within 0.5 mi ($3,808–$4,221).

Beds

3

Baths

2.5

Sqft

1,642

Year Built

2006

Days on Market

0

Property Type

Townhouse

HOA/mo

$381

MLS ID

260026563SD

This property is in 4S Ranch (92127). View neighborhood stats →

About This Property

Gorgeous corner-unit townhome offering 3 bdrms, 2.5 baths, plus a loft & 1,642 sq. ft. of living space! Corner lot allows the added appeal of a spacious, gated front porch. The interior has been freshly painted and thoughtfully updated w/new bathroom vanities, faucets & shower heads, modern light fixtures, new screens & blinds and stunning hardwood floors throughout much of the home. An added bonus is the rarely found range hood with ductwork that vents directly to the exterior of the home. East Facing! PUSD Professional photos to be posted Nov 12th! Beautifully appointed home in the highly desirable Ravenna community! Pride of ownership shines throughout, with thoughtful updates that make a difference. The kitchen tile and spacious outdoor patio tile have recently been professionally sealed, while the seller has also taken care of key improvements, incl a new garage door motor & water heater. The kitchen is sure to impress with gorgeous granite countertops, SS appliances, custom backsplash and rarely found range hood with ductwork that vents directly to the exterior of the home. Other upgrades incl beautiful wood flooring throughout the second level and much of the first floor. New carpet installed on the stairs. Enjoy convenient proximity to award-winning Poway Unified schools, shopping, restaurants, parks, and freeway access. A wonderful opportunity to enjoy comfort, convenience, and a home that has been lovingly maintained!

Mortgage Calculator

Est. Monthly Payment

$7,182

Principal & Interest$5,511
Property Tax$999
Insurance$291
HOA$381
%($199,778)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Monterey Ridge Elementary · grades K-5 · Poway Unified

  • Middle

    Oak Valley Middle · grades 6-8 · Poway Unified

  • High

    Del Norte High · grades 9-12 · Poway 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

13C
Est. Monthly Rent
$4,169

12 leases of 2–4 bed condos & townhomes within 0.5 mi · $3,808–$4,221

Blended 50/50 with the zip's market median ($4,344)

Monthly Cashflow

Rent − PITIA

-$3,013
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,804

What would make this work?

$4,804/mo short at 20% down; 90% down or +$6,239/mo rent closes it.

Break-even price

63% under asking

$370,194
Break-even rent

$6,239/mo above the estimate

$10,408/mo
Cashflow at 35% down
−$3,771/mo
Down payment to break even

$898,999 cash

90%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,511
Cap Rate
1.10%
Cash-on-Cash
-28.86%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$10,983
Price-to-Rent

Lower = better for investors

20.0

* 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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CCashflow−$4,804/mo