
14786 Rancho Santa Fe Farms Rd
Dbottom 20%Rancho Santa Fe, CA 92067
Pass at asking: -$29,981/mo full cashflow at 20% down, 7.43% rate.
Works at $1,391,416 (74% under asking); even all cash loses money at asking.
Rent $13,879/mo from 8 leases of 4–6 bed houses within 1 mi ($11,702–$17,173).
Beds
5
Baths
6
Sqft
7,938
Year Built
1999
Days on Market
91
Property Type
Single Family
HOA/mo
N/A
MLS ID
250034047SD
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
Welcome to this extraordinary custom estate offering ultimate privacy and luxury behind its own private gate complete with resort size pool and backyard, waterslide, entertainment spaces and ponds completing the serene aesthetic. The main residence spans approximately 7,938 sqft on 2 acres featuring 4 spacious ensuite bedrooms and optional bedroom spaces, 4.5 bathrooms, formal and informal living areas, a gourmet kitchen with high-end appliances, and a large family room designed for entertaining and everyday comfort. Upgraded lighting throughout completes this expansive living and floor plan. The primary suite is a true sanctuary, featuring a cozy fireplace, dual walk-in closets, a private sitting room with its own balcony, and an attached private gym—creating the perfect space for relaxation and wellness. A standout feature of the property is the detached large guest house, offering a full bedroom and bathroom, kitchen, and living room—ideal for long-term guests or multi-generational living. Set on beautifully landscaped grounds with expansive patios, this residence offers peace, space, and elegance in one of Rancho Santa Fe’s most desirable locations. A circular driveway and oversized garage complete this exceptional offering. Conveniently located close to shops, grocery stores, farmers market, beaches & easy access to the freeway. Other: *Top Tier School District San Dieguito Unified. *Solar Panels Owned *Preventative Leak system
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Est. Monthly Payment
$36,255
Location
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Zoned Schools
Elementary
Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary
Middle
Earl Warren Middle · grades 7-8 · San Dieguito Union High
High
Torrey Pines High · grades 9-12 · San Dieguito Union High
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
$13,879
Comp Average
$20,317
17185 Via Barranca Del Zorro
5bd / 5.5ba · 7,726 sqft · Single Family
$7.65M
Est. $25,000/mo
6479 Calle Del Alcazar
6bd / 6.5ba · 7,992 sqft · Single Family
$7.50M
Est. $22,125/mo
18245 Paseo Victoria
5bd / 6ba · 8,161 sqft · Single Family
$8.00M
Est. $21,480/mo

17949 Circa Oriente
5bd / 6.5ba · 8,444 sqft · Single Family
$7.99M
Est. $18,072/mo
16610 El Zorro
6bd / 6.5ba · 6,802 sqft · Single Family
$6.25M
Est. $14,908/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 4–6 bed houses within 1 mi · $11,702–$17,173
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$29,981/mo short at 20% down; +$38,936/mo rent closes it.
- Break-even price
- $1,391,416
- Break-even rent
- $52,815/mo
- Cashflow at 35% down
- −$24,465/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
74% under asking
$38,936/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, 7.43% 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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