15906 Via Pato
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15906 Via Pato

Dbottom 20%

Rancho Santa Fe, CA 92067

$9,500,000
NEW — 1d

Pass at asking: -$58,023/mo full cashflow at 20% down, 7.36% rate.

Works at $1,907,666 (80% under asking); even all cash loses money at asking.

Rent $18,933/mo from 10 leases of 4-bed houses within 2 mi ($15,452–$20,828).

Beds

4

Baths

6

Sqft

8,098

Year Built

1989

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026080SD

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

About This Property

Exceptional Rancho Santa Fe Covenant Estate with Panoramic Park Views. Located on the coveted west side of the prestigious Rancho Santa Fe Covenant, this exceptional custom estate offers a rare combination of privacy, elegance, and breathtaking panoramic views of the 125-acre San Dieguito Park. Set behind gates on 3.17 beautifully landscaped acres, the south-facing residence is designed to embrace natural light, serene surroundings, and seamless indoor-outdoor living. The main residence features 4 bedrooms and 5 full baths, showcasing refined craftsmanship and the finest quality finishes, including exquisite furniture-grade built-in cabinetry. Thoughtfully designed, the light-filled entry-level floor plan offers a spacious living room, inviting family room, private office, library, and gourmet kitchen. The impressive primary suite is conveniently located on the main level and opens to private outdoor terraces. Upstairs, three spacious bedrooms and an additional optional room provide flexibility for a variety of needs. Additional features include central vacuum. Lush gardens, mature fruit trees, and colorful ornamental and vegetable gardens enhance the estate’s tranquil ambiance, creating a private retreat just minutes from Rancho Santa Fe Village and the coastal lifestyle of Solana Beach. A separate detached guest house offers 2 bedrooms, 2 baths, a full kitchen, and its own living area—ideal for extended family, guests, or private accommodations. The backyard is an inviting destination for relaxation and entertaining, complete with a pool and spa. With its exceptional privacy, expansive grounds, captivating views, and no HOA fees, this remarkable Covenant estate offers a distinctive Southern California lifestyle.

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Est. Monthly Payment

$64,684

Principal & Interest$52,414
Property Tax$9,500
Insurance$2,771
%($1,900,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    R. Roger Rowe Elementary · grades PK-5 · Rancho Santa Fe Elementary

  • Middle

    R. Roger Rowe Middle · grades 6-8 · Rancho Santa Fe Elementary

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
$18,933

10 leases of 4-bed houses within 2 mi · $15,452–$20,828

Monthly Cashflow

Rent − PITIA

-$45,752
Full Cashflow

Incl. vacancy, PM, maint, capex

-$58,023

What would make this work?

$58,023/mo short at 20% down; +$75,354/mo rent closes it.

Break-even price

80% under asking

$1,907,666
Break-even rent

$75,354/mo above the estimate

$94,287/mo
Cashflow at 35% down
−$48,195/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)
$52,414
Cap Rate
-0.59%
Cash-on-Cash
-36.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.29

NOI (Annual)
-$55,951
Price-to-Rent

Lower = better for investors

41.8

* Modelled at 20% down, 7.36% 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−$58,023/mo