16025 Via Dicha

16025 Via Dicha

Ctop 80%

Rancho Santa Fe, CA 92091

$2,695,000
NEW — 0d

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.

Mortgage Calculator

Est. Monthly Payment

$18,553

Principal & Interest$14,972
Property Tax$2,695
Insurance$786
HOA$100
%($539,000)
%
Loan Term

Location

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Investment Score

17C
Est. Monthly Rent
$11,634

10 leases of 4-bed houses within 2 mi · $9,931–$13,223

Monthly Cashflow

Rent − PITIA

-$6,919
Full Cashflow

Incl. vacancy, PM, maint, capex

-$11,841

What would make this work?

$11,841/mo short at 20% down; 84% down or +$15,377/mo rent closes it.

Break-even price

57% under asking

$1,153,399
Break-even rent

$15,377/mo above the estimate

$27,011/mo
Cashflow at 35% down
−$9,033/mo
Down payment to break even

$2,263,800 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$14,972
Cap Rate
1.65%
Cash-on-Cash
-26.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$44,557
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−$11,841/mo