15625 Paymogo
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15625 Paymogo

Ctop 80%

Rancho Peñasquitos, CA 92129

$1,100,000
STR-eligible · San Diego Tier 3 · TOT 11.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

6 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 11, 2026.

Pass at asking: -$4,793/mo full cashflow at 20% down, 7.43% rate.

Works at $475,988 (57% under asking), or at 83% down.

Rent $4,748/mo from 19 leases of 4–6 bed houses within 2 mi ($4,105–$4,647).

Beds

5

Baths

2

Sqft

1,640

Year Built

1972

Days on Market

138

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015570SD

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

Virtual Tour

About This Property

Tucked away on a quiet cul-de-sac, this beautifully upgraded 5-bedroom, 2-bathroom home offers the perfect blend of comfort, style, and opportunity. From the moment you step inside, rich hardwood flooring sets the tone for a space that feels both warm and move-in ready. The updated kitchen is a true highlight, featuring custom oak cabinetry, sleek quartz countertops, and stainless steel appliances, ideal for everything from quiet weeknight dinners to entertaining guests. With five spacious bedrooms, there's room for a growing family, a home office, or both, and convenient first-floor bedrooms paired with a full bath make this layout ideal for multigenerational living or guests who prefer to skip the stairs. Step outside and enjoy your own private orchard, with mature avocado, mandarin, and lemon trees offering fresh fruit right in your backyard, a rare touch of California living. Set on a generous 8,200 sq. ft. lot, the property offers excellent outdoor space and exciting potential to build or expand, making it a smart choice for buyers looking to add long-term value. The end-of-cul-de-sac location means added privacy and minimal through-traffic, a rare find in this sought-after Rancho Peñasquitos neighborhood. This is a home that combines move-in-ready upgrades with future potential. Don't miss your chance to make it yours.

Mortgage Calculator

Est. Monthly Payment

$7,532

Principal & Interest$6,111
Property Tax$1,100
Insurance$321
%($220,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Rolling Hills Elementary · grades K-5 · Poway Unified

  • Middle

    Black Mountain Middle · grades 6-8 · Poway Unified

  • High

    Mt. Carmel 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.

Investment Score

19C
Est. Monthly Rent
$4,748

19 leases of 4–6 bed houses within 2 mi · $4,105–$4,647

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,784
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,793

What would make this work?

$4,793/mo short at 20% down; 83% down or +$6,224/mo rent closes it.

Break-even price

57% under asking

$475,988
Break-even rent

$6,224/mo above the estimate

$10,972/mo
Cashflow at 35% down
−$3,647/mo
Down payment to break even

$913,000 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,111
Cap Rate
1.70%
Cash-on-Cash
-26.14%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$18,668
Price-to-Rent

Lower = better for investors

19.3

* 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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CCashflow−$4,793/mo