
4773 El Mirlo
Dbottom 20%Rancho Santa Fe, CA 92067
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$47,455/mo full cashflow at 20% down, 7.43% rate.
Works at $1,816,274 (77% under asking); even all cash loses money at asking.
Rent $35,000/mo from 9 leases of 4–6 bed houses within 1 mi ($17,472–$24,688). Previously leased for $35,000.
Beds
5
Baths
6.5
Sqft
5,400
Year Built
2022
Days on Market
190
Property Type
Single Family
HOA/mo
$13,000
MLS ID
260010727SD
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
SEE VIDEO LINKS FOR AN INCREDIBLE TOUR OF THIS ESTATE - Welcome to New Ranch Lux, a reimagined Spanish modern estate in the heart of the Rancho Santa Fe Covenant, offering exceptional privacy, scale, and lifestyle on approximately 5 all-usable acres. Ideally situated on the prestigious west side of the Covenant, approximately one mile from the coast as the crow flies, offering effortless access to an array of nearby retail and dining. Recently transformed through an extensive $2M+ renovation by Matrix Design Studio, this 5-bedroom, ~5,400 sq. ft. residence blends clean architectural lines with warm, livable design. The thoughtfully designed floor plan lives primarily as a single-level home featuring a luxurious primary suite that opens to a private spa garden creating an intimate and tranquil retreat with lush surroundings, perfect for unwinding in total privacy. In addition, this estate also comes with three en-suite bedrooms on the main floor and two additional en-suite bedrooms upstairs—ideal for guests or extended stays. Seamless indoor-outdoor living is achieved through vanishing pocket doors that open to resort-style grounds complete with pool, spa, sauna, and expansive entertaining areas. The home is move-in ready with curated designer finishes throughout. The property’s west-facing orientation captures stunning sunsets, while the long, gated drive ensures privacy and presence. The all-usable acreage offers incredible potential for equestrian use, vineyard, tennis or padel court, additional guest house, or recreation amenities. Building plans available.
Mortgage Calculator
Est. Monthly Payment
$67,742
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.
Comparable Properties
5 comps foundThis Property
$35,000
Comp Average
$16,592
7775 Camino De Arriba
5bd / 6ba · 6,000 sqft · Single Family
$5.50M
Est. $21,028/mo
5758 Las Palomas
5bd / 6ba · 6,109 sqft · Single Family
$7.79M
Est. $16,736/mo
7102 Via De Maya
5bd / 5.5ba · 5,687 sqft · Single Family
$5.50M
Est. $14,373/mo
17161 Camino Acampo
4bd / 5.5ba · 5,911 sqft · Single Family
$7.90M
Est. $13,897/mo
16039 Via Del Alba
5bd / 3.5ba · 6,247 sqft · Single Family
$8.99M
Est. $16,924/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Previously leased for $35,000
9 leases of 4–6 bed houses within 1 mi · $17,472–$24,688
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$47,455/mo short at 20% down; +$61,630/mo rent closes it.
- Break-even price
- $1,816,274
- Break-even rent
- $96,630/mo
- Cashflow at 35% down
- −$39,127/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
77% under asking
$61,630/mo above the estimate
Negative even all-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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