16025 Via Dicha
Ctop 80%Rancho Santa Fe, CA 92091
Pass at asking: -$11,841/mo full cashflow at 20% down, 7.43% rate.
Works at $1,153,399 (57% under asking), or at 84% down.
Rent $11,634/mo from 10 leases of 4-bed houses within 2 mi ($9,931–$13,223).
Beds
4
Baths
3.5
Sqft
3,264
Year Built
1979
Days on Market
0
Property Type
Single Family
HOA/mo
$100
MLS ID
260026605SD
This property is in Rancho Santa Fe (92091). Browse neighborhood analytics →
About This Property
Ideally situated at the end of a quiet cul-de-sac in the heart of Whispering Palms, this newly refreshed, move-in-ready residence offers 3,264 square feet of gracious living on an expansive, level 11,849-square-foot lot. The thoughtfully designed floor plan features a generous main-level primary suite with two walk-in closets, a second ensuite bedroom, office, powder room, and spacious living, dining, kitchen, and family rooms. French doors throughout the main living areas create a seamless connection to the outdoors. Upstairs, two additional bedrooms, a full bath, and a versatile loft retreat provide added flexibility. A fully fenced, level yard with artificial turf and three inviting patios offers exceptional space for outdoor living, recreation, and entertaining. Additional features include a three-car garage with epoxy floors, EV charger, solar, and tankless water heater. Ideally located in Rancho Santa Fe's Whispering Palms, the home enjoys proximity to La Valle Coastal Club, offering members a 27-hole golf course, tennis, pickleball and padel courts, pool, fitness center, spa, dining, and social amenities. Situated within the highly regarded San Dieguito Union High School District, the property is minutes from Del Mar, Solana Beach, the Del Mar Horse Park, and premier shopping and dining at Del Mar Highlands, One Paseo, and Flower Hill. Convenient freeway access and proximity to both San Diego International and McClellan-Palomar airports complete this exceptional coastal lifestyle.
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Est. Monthly Payment
$18,553
Location
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Comparable Properties
4 comps foundThis Property
$11,634
Comp Average
$9,423
3868 Avenida Feliz
4bd / 3ba · 2,327 sqft · Single Family
$2.50M
Est. $8,344/mo
15912 Avenida Calma
4bd / 4.5ba · 4,706 sqft · Single Family
$4.00M
Est. $12,830/mo
3805 Avenida Feliz
3bd / 2.5ba · 2,056 sqft · Single Family
$3.00M
Est. $8,141/mo
15954 Via Broma
3bd / 3ba · 2,177 sqft · Single Family
$3.46M
Est. $8,377/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 4-bed houses within 2 mi · $9,931–$13,223
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,841/mo short at 20% down; 84% down or +$15,377/mo rent closes it.
- Break-even price
- $1,153,399
- Break-even rent
- $27,011/mo
- Cashflow at 35% down
- −$9,033/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$15,377/mo above the estimate
$2,263,800 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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