13771 shoal summit dr.
Dbottom 20%Rancho Bernardo, CA 92128Neighborhood: Carmel Mountain Ranch
One license per person in San Diego: whether you can hold it depends on you, not only the home.
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 14, 2026.
Pass at asking: -$13,832/mo full cashflow at 20% down, 7.36% rate.
Works at $580,077 (76% under asking); even all cash loses money at asking.
Rent $5,757/mo from 20 leases of 4–6 bed houses within 2 mi ($5,391–$5,906).
Beds
5
Baths
3
Sqft
2,910
Year Built
2000
Days on Market
—
Property Type
Single Family
HOA/mo
N/A
MLS ID
260027106SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
"The Wait Is Over! The Crown Jewel of Carmel Mountain Ranch." ONCE-IN-A-LIFETIME OPPORTUNITY" The most extraordinary views from a rare property and lot. Unmatched privacy from your own private resort! Perched at the very top of the mountain in Carmel Mountain Ranch, this exceptional property offers breathtaking 180-degree panoramic views of Poway and Carmel Mountain Ranch. With no neighbors in front or behind and situated on a quiet cul-de-sac, this is truly one of the rarest and most desirable properties in the entire community. Your resort-inspired backyard is ready for you to enjoy from day one.
Mortgage Calculator
Est. Monthly Payment
$16,273
Location
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Zoned Schools
Elementary
Shoal Creek Elementary · grades K-5 · Poway Unified
Middle
Meadowbrook Middle · grades 6-8 · Poway Unified
High
Rancho Bernardo 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.
Comparable Properties
5 comps foundThis Property
$5,757
Comp Average
$5,842
12556 Chetenham Ln
5bd / 3ba · 2,978 sqft · Single Family
$1.50M
Est. $6,157/mo
12550 Shropshire Ln
5bd / 3ba · 2,761 sqft · Single Family
$1.48M
Est. $6,034/mo
13989 Royal Melbourne Square
4bd / 3ba · 2,504 sqft · Single Family
$1.54M
Est. $5,169/mo
18343 Saint Etienne Lane
4bd / 3.5ba · 3,435 sqft · Single Family
$2.19M
Est. $6,770/mo
14025 Chestnut Hill Lane
4bd / 3ba · 2,320 sqft · Single Family
$2.03M
Est. $5,082/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
20 leases of 4–6 bed houses within 2 mi · $5,391–$5,906
Blended 50/50 with the zip's market median ($5,981)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$13,832/mo short at 20% down; +$17,964/mo rent closes it.
- Break-even price
- $580,077
- Break-even rent
- $23,721/mo
- Cashflow at 35% down
- −$11,360/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
76% under asking
$17,964/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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