15878 Bella Siena
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15878 Bella Siena

Dbottom 20%

Rancho Santa Fe, CA 92067

$12,900,000

Pass at asking: -$79,479/mo full cashflow at 20% down, 7.43% rate.

Works at $2,551,721 (80% under asking); even all cash loses money at asking.

Rent $25,452/mo from 8 leases of 4–6 bed houses within 1 mi ($20,205–$30,348).

Beds

5

Baths

8

Sqft

12,959

Year Built

2006

Days on Market

190

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2603783

This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →

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About This Property

Timeless Resort Estate | Premier Rancho Santa Fe Location Originally built in 2006 by renowned Sylvester Homes, this single-level Tuscan-inspired estate spans nearly 13,000 sq ft on 2 flat, ultra-private acres at the end of a quiet cul-de-sac. Recently refreshed with custom interior upgrades and modern designer lighting, the home blends timeless craftsmanship with a clean, updated aesthetic—making it one of the premier entertainer’s properties on the Rancho Santa Fe market. The flexible floor plan offers 4 bedrooms in the main residence plus a detached guest villa with separate living room and bedroom. Grand-scale interiors include a stunning great room with 23-foot ceilings, exposed wood trusses, and wrought iron chandeliers, opening seamlessly to the outdoor loggia for true indoor-outdoor living. Designed for entertaining, the estate features a movie theater, walnut-paneled library, billiard room with bar and wine cellar, formal dining room with dome ceiling and butler’s pantry, exercise room, and 6-car garage. The private backyard offers a resort-style setting with expansive entertaining areas, fireplace, built-in cabinetry, bar with Sub-Zero refrigeration, and pool bath—enjoyed from nearly every room. Exceptional details throughout include hand-carved mahogany entry doors, stone finishes, custom cabinetry, stain-grade windows and doors, cedar-lined closets, and extensive wood beam work. Quiet, private, and fully usable, this is a rare opportunity to own a legacy estate in one of Rancho Santa Fe’s most desirable locations.

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Est. Monthly Payment

$88,327

Principal & Interest$71,665
Property Tax$12,900
Insurance$3,762
%($2,580,000)
%
Loan Term

Location

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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
$25,452

8 leases of 4–6 bed houses within 1 mi · $20,205–$30,348

Monthly Cashflow

Rent − PITIA

-$62,875
Full Cashflow

Incl. vacancy, PM, maint, capex

-$79,479

What would make this work?

$79,479/mo short at 20% down; +$103,219/mo rent closes it.

Break-even price

80% under asking

$2,551,721
Break-even rent

$103,219/mo above the estimate

$128,671/mo
Cashflow at 35% down
−$66,042/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)
$71,665
Cap Rate
-0.61%
Cash-on-Cash
-36.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.29

NOI (Annual)
-$78,496
Price-to-Rent

Lower = better for investors

42.2

* 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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DCashflow−$79,479/mo