15364 Palomino Mesa
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: -$13,403/mo full cashflow at 20% down, 7.43% rate.
Works at $803,868 (68% under asking), or at 96% down.
Rent $8,154/mo from 11 leases of 5–7 bed houses within 2 mi ($7,602–$8,946).
Beds
6
Baths
4.5
Sqft
4,570
Year Built
2003
Days on Market
90
Property Type
Single Family
HOA/mo
$105
MLS ID
260019645SD
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
This extraordinary residence in the coveted 4S Ranch community features 5 bedrooms & 4.5-baths, masterfully combining sophistication and functionality. A striking curved staircase greets you, leading to a grand great room with soaring ceilings and an elegant open-concept design, ideal for guests or multi-generational living. The gourmet kitchen features high-end gas cooking, double ovens, and a butler's pantry. Enjoy a main-level guest suite, a spacious backyard, and a 4-car tandem garage, all just steps from world class hiking, shopping and dining and award-winning schools! Major price adjustment 8/25
Mortgage Calculator
Est. Monthly Payment
$17,557
Location
Loading map...
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
$8,154
Comp Average
$10,559
14760 Via Mantova
5bd / 4.5ba · 3,802 sqft · Single Family
$2.38M
Est. $9,743/mo
17348 Via Del Campo
5bd / 3.5ba · 4,207 sqft · Single Family
$2.70M
Est. $8,682/mo
7442 Rancho Cabrillo Trail
6bd / 5.5ba · 5,148 sqft · Single Family
$3.85M
Est. $12,415/mo
15566 Rising River Pl
5bd / 4ba · 5,129 sqft · Single Family
$3.49M
Est. $11,070/mo
17253 Reflections Circle
5bd / 6ba · 4,960 sqft · Single Family
$3.85M
Est. $10,886/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 5–7 bed houses within 2 mi · $7,602–$8,946
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$13,403/mo short at 20% down; 96% down or +$17,406/mo rent closes it.
- Break-even price
- $803,868
- Break-even rent
- $25,560/mo
- Cashflow at 35% down
- −$10,747/mo
- Down payment to break even
- 96%
- Rate to break even
- Not reachable
68% under asking
$17,406/mo above the estimate
$2,446,932 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.
Open Full Calculator