
15625 Paymogo
Ctop 80%Rancho Peñasquitos, CA 92129
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 →
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
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.
Comparable Properties
3 comps foundThis Property
$4,748
Comp Average
$5,045
11394 Almazon St
4bd / 3ba · 1,840 sqft · Single Family
$1.35M
Est. $5,385/mo
15159 Leia Way
4bd / 3ba · 1,990 sqft · Single Family
$1.27M
Est. $5,120/mo
8978 Allenbrook Way
4bd / 2.5ba · 1,764 sqft · Single Family
$1.53M
Est. $4,631/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
19 leases of 4–6 bed houses within 2 mi · $4,105–$4,647
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,793/mo short at 20% down; 83% down or +$6,224/mo rent closes it.
- Break-even price
- $475,988
- Break-even rent
- $10,972/mo
- Cashflow at 35% down
- −$3,647/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
57% under asking
$6,224/mo above the estimate
$913,000 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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