14786 Rancho Santa Fe Farms Rd
1 / 20

14786 Rancho Santa Fe Farms Rd

Dbottom 20%

Rancho Santa Fe, CA 92067

$5,295,000

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 →

Virtual Tour

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

Mortgage Calculator

Est. Monthly Payment

$36,255

Principal & Interest$29,416
Property Tax$5,295
Insurance$1,544
%($1,059,000)
%
Loan Term

Location

Loading map...

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.

Investment Score

0D
Est. Monthly Rent
$13,879

8 leases of 4–6 bed houses within 1 mi · $11,702–$17,173

Monthly Cashflow

Rent − PITIA

-$22,376
Full Cashflow

Incl. vacancy, PM, maint, capex

-$29,981

What would make this work?

$29,981/mo short at 20% down; +$38,936/mo rent closes it.

Break-even price

74% under asking

$1,391,416
Break-even rent

$38,936/mo above the estimate

$52,815/mo
Cashflow at 35% down
−$24,465/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$29,416
Cap Rate
0.03%
Cash-on-Cash
-33.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.38

NOI (Annual)
$1,551
Price-to-Rent

Lower = better for investors

31.8

* 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.

Open Full Calculator
DCashflow−$29,981/mo