17158 Matinal Road

17158 Matinal Road

Ctop 80%

4S Ranch, CA 92127Neighborhood: Rancho Bernardo

$1,475,000
NEW — 0d
STR: check · no permits on this tract · TOT 11.75%

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 7, 2026.

None of the 39 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$7,000/mo full cashflow at 20% down, 7.43% rate.

Works at $563,642 (62% under asking), or at 89% down.

Rent $5,693/mo from 11 leases of 3–5 bed houses within 1 mi ($4,800–$6,714).

Beds

4

Baths

2

Sqft

2,172

Year Built

1978

Days on Market

0

Property Type

Single Family

HOA/mo

$55

MLS ID

NDP2610120

This property is in 4S Ranch (92127). View neighborhood stats →

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About This Property

Welcome to this fantastic, spacious SINGLE-STORY gem, nestled in the highly sought after Westwood Community of Rancho Bernardo. Set on a generous corner lot of nearly 1/4 acre, this home offers endless possibilities for any type of buyer. Featuring soaring ceilings and an open floorplan! Renovated kitchen and living area, new flooring and carpets in bedrooms, new paint throughout the house and turf landscaping. Fitted with a Nest thermostat and Ring Doorbell, this unit is TURNKEY! Very spacious covered backyard with a large green area in the back and front. Garage has been refinished with epoxy flooring and a new garage system. Located in the award-winning Poway Unified School District! The Westwood Community offers miniature golf, tennis, pickleball, fitness center, ball fields, basketball, pools, playground, preschool, pool tables, lounge w/fireplace & multi-purpose room!

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Est. Monthly Payment

$10,154

Principal & Interest$8,194
Property Tax$1,475
Insurance$430
HOA$55
%($295,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Westwood Elementary · grades K-5 · Poway Unified

  • Middle

    Bernardo Heights Middle · grades 6-8 · Poway Unified

  • High

    Rancho Bernardo 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.

Investment Score

12C
Est. Monthly Rent
$5,693

11 leases of 3–5 bed houses within 1 mi · $4,800–$6,714

Blended 50/50 with the zip's market median ($6,367)

Monthly Cashflow

Rent − PITIA

-$4,461
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,000

What would make this work?

$7,000/mo short at 20% down; 89% down or +$9,091/mo rent closes it.

Break-even price

62% under asking

$563,642
Break-even rent

$9,091/mo above the estimate

$14,784/mo
Cashflow at 35% down
−$5,463/mo
Down payment to break even

$1,312,750 cash

89%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,194
Cap Rate
1.20%
Cash-on-Cash
-28.47%
DSCR

Need ≥ 1.25 for DSCR loan

0.56

NOI (Annual)
$17,749
Price-to-Rent

Lower = better for investors

21.6

* 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−$7,000/mo