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14676 Via Fiesta #5

Atop 10%

4S Ranch, CA 92127Neighborhood: Santaluz

$361,357

STR: check · no permits in this complex · TOT 11.75%

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 1, 2026.

No unit in this 30-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$920/mo full cashflow at 20% down, 7.49% rate.

Works at $241,960 (33% under asking), or at 57% down.

Rent $2,836/mo from 20 leases of 2-bed condos & townhomes in 92127 ($2,616–$2,820).

Beds

Baths

Sqft

882

Year Built

2004

Days on Market

394

Property Type

Condo

HOA/mo

$317

MLS ID

PTP2506998

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

Virtual Tour

About This Property

*Deed Restricted Unit* Buyer must meet income limits and qualification guidelines.** Welcome to this wonderful 2-bedroom, 1-bath ground-floor condo, situated on a corner lot in the beautiful Sycamore Walk complex. This well-laid-out home offers the ultimate convenience with an attached 1-car garage with direct access from the house. The garage also features laundry hookups, adding to the ease of living. The open kitchen creates a spacious and inviting atmosphere. Enjoy the community's pool and a clubhouse, which is available to rent, all with low HOAs. Located within minutes of parks, trails, shopping, restaurants, and excellent schools, this gorgeous, upscale complex is just a short drive to Highway 56.

Mortgage Calculator

Est. Monthly Payment

$2,803

Principal & Interest$2,019

Property Tax$361

Insurance$105

HOA$317

Down Payment

%($72,271)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Willow Grove Elementary · grades K-5 · Poway Unified
Middle
Black Mountain 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.

Comparable Properties

5 comps found

This Property

$2,836

Comp Average

$2,887

14688 Via Fiesta

2bd / 1ba · 822 sqft · Condo

$379K

Est. $3,575/mo

14676 Via Fiesta

2bd / 1ba · 882 sqft · Condo

$379K

Est. $2,836/mo

17093 W Bernardo Dr.

2bd / 1.5ba · 855 sqft · Condo

$458K

Est. $2,623/mo

11231 Avenida De Los Lobos

2bd / 2ba · 894 sqft · Condo

$492K

Est. $2,806/mo

17155 Bernardo Drive

2bd / 1ba · 874 sqft · Condo

$510K

Est. $2,594/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

76A

Est. Monthly Rent

$2,836

20 leases of 2-bed condos & townhomes in 92127 · $2,616–$2,820

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

+$33

Full Cashflow

Incl. vacancy, PM, maint, capex

-$920

What would make this work?

$920/mo short at 20% down; 57% down or +$1,195/mo rent closes it.

Break-even price: $241,960
Break-even rent: $4,031/mo
Cashflow at 35% down: −$541/mo
Down payment to break even: 57%
Rate to break even: 2.21%

Mortgage (P+I)

$2,019

Cap Rate

4.12%

Cash-on-Cash

-15.28%

DSCR

Need ≥ 1.25 for DSCR loan

1.01

NOI (Annual)

$14,892

Price-to-Rent

Lower = better for investors

10.6

* 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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ACashflow−$920/mo