15260 Palomino Mesa Rd.
Ctop 80%4S Ranch, CA 92127Neighborhood: 4S Ranch
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$11,996/mo full cashflow at 20% down, 7.43% rate.
Works at $637,059 (71% under asking), or at 99% down.
Rent $6,491/mo from 8 leases of 3–5 bed houses within 1 mi, same school area ($6,540–$7,344).
Beds
4
Baths
3
Sqft
3,440
Year Built
2004
Days on Market
96
Property Type
Single Family
HOA/mo
$105
MLS ID
260019303SD
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Welcome home! This exceptional property offers a rare combination of expansive outdoor space and ultimate privacy, situated perfectly with no neighbors directly in front or behind. Step outside into a sprawling, entertainer’s dream backyard. Whether you are hosting weekend gatherings around the custom built-in BBQ or enjoying quiet evenings under the stars by the fire pit, this large lot provides the perfect backdrop for the Southern California lifestyle. Enjoy the convenience of having premier shopping and dining just minutes away, along with access to highly sought-after, top-rated schools. If you are looking for a secluded retreat that doesn't sacrifice community convenience, this is the one.
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Est. Monthly Payment
$15,162
Location
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Zoned Schools
Elementary
Stone Ranch Elementary · grades K-5 · Poway Unified
Middle
Oak Valley 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 foundThis Property
$6,491
Comp Average
$6,924
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $8,277/mo
16533 4s Ranch Parkway
5bd / 3ba · 3,112 sqft · Single Family
$1.95M
Est. $6,360/mo
17052 Silver Pine
4bd / 3.5ba · 2,968 sqft · Single Family
$2.08M
Est. $6,110/mo
8490 Warden Lane
5bd / 4ba · 3,482 sqft · Single Family
$2.75M
Est. $7,355/mo
8745 Tillage Lane
4bd / 4.5ba · 3,058 sqft · Single Family
$2.80M
Est. $6,516/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3–5 bed houses within 1 mi, same school area · $6,540–$7,344
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,996/mo short at 20% down; 99% down or +$15,579/mo rent closes it.
- Break-even price
- $637,059
- Break-even rent
- $22,070/mo
- Cashflow at 35% down
- −$9,705/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$15,579/mo above the estimate
$2,177,010 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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