14475 Pebble Canyon Dr

14475 Pebble Canyon Dr

Ctop 80%

Poway, CA 92064

$1,625,000
NEW — 0d

Pass at asking: -$7,601/mo full cashflow at 20% down, 7.49% rate.

Works at $639,540 (61% under asking), or at 87% down.

Rent $6,407/mo from 9 leases of 4–6 bed houses within 2 mi ($4,721–$5,474).

Beds

5

Baths

3

Sqft

2,464

Year Built

1974

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026251SD

This property is in Poway (92064). View neighborhood stats →

About This Property

THIS is what you've been waiting for! Fully remodeled with five bedrooms, three baths, a half-acre lot, and sweeping mountain views, this Poway home has been thoughtfully reimagined from top to bottom. A new roof, new appliances, beautifully updated kitchen and bathrooms, and fresh finishes throughout complete the transformation. Upstairs, the primary suite feels like a retreat of its own, opening to a private deck where you can take in the views. It includes an en suite bathroom and walk in closet. Outside, an inviting entertaining space extends the living outdoors, complete with a fire pit hookup. From there, the property continues beyond with mature fruit trees, established landscaping, and additional grounds offering plenty of opportunity to make them your own. A main-level laundry room and two-car garage with utility sink and ample storage add everyday functionality. Tucked away on a quiet cul-de-sac in the Twin Peaks neighborhood, this is the Poway lifestyle people love--mountain views, horses along the way, and the feeling of being tucked away while still close to everything. No HOA and no Mello-Roos.....

Mortgage Calculator

Est. Monthly Payment

$11,180

Principal & Interest$9,081
Property Tax$1,625
Insurance$474
%($325,000)
%
Loan Term

Location

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Investment Score

13C
Est. Monthly Rent
$6,407

9 leases of 4–6 bed houses within 2 mi · $4,721–$5,474

Blended 50/50 with the zip's market median ($7,795)

Monthly Cashflow

Rent − PITIA

-$4,773
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,601

What would make this work?

$7,601/mo short at 20% down; 87% down or +$9,871/mo rent closes it.

Break-even price

61% under asking

$639,540
Break-even rent

$9,871/mo above the estimate

$16,278/mo
Cashflow at 35% down
−$5,898/mo
Down payment to break even

$1,413,750 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,081
Cap Rate
1.33%
Cash-on-Cash
-28.06%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$21,607
Price-to-Rent

Lower = better for investors

21.1

* Modelled at 20% down, 7.49% 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−$7,601/mo