6590 Calle Reina
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6590 Calle Reina

Dbottom 20%

Rancho Santa Fe, CA 92067

$16,500,000
STR: check · HOA rules unknown · TOT 8%

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: -$107,049/mo full cashflow at 20% down, 7.43% rate.

Works at $2,562,118 (84% under asking); even all cash loses money at asking.

Rent $26,718/mo from 15 leases of houses within 2 mi, size-adjusted ($20,293–$27,985).

Beds

6

Baths

9.5

Sqft

13,446

Year Built

1995

Days on Market

106

Property Type

Single Family

HOA/mo

$895

MLS ID

NDP2607081

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

Virtual Tour

About This Property

A European-inspired legacy estate set on four manicured acres within the guard-gated Rancho Del Lago community of Rancho Santa Fe. Four years in the making, the six-bedroom, ten-bath residence was built by renowned builder Steve Sharratt using authentic architectural artifacts collected throughout Europe and craftsmanship that would be nearly impossible to recreate today. Highlights include a reclaimed 100-year-old Vermont slate roof, handcrafted copper gutters and sculptural downspouts, reclaimed beams, custom beveled windows, P.E. Guerin and Cheryl Wagner hardware, and five distinctive fireplaces—including antique French and Belgian mantels. Every hardwood cabinet, molding, panel, and built-in was handcrafted on-site by master artisans. Exceptional interiors include an executive office with Ribbon Cherry millwork, a formal dining room with a hand-laid geometric cherry floor and custom crystal chandelier, and a dramatic skylit kitchen with a limestone island and French-polished cabinetry. The primary retreat offers separate dressing rooms, dual spa bathrooms clad in rare Rose Aurora marble, and a private exercise room with laundry. Additional amenities include a tiered home theater with updated audiovisual technology, Lutron lighting, integrated security, extensive storage, and nine garage spaces. The resort-like grounds feature a private stocked lake with dock and private well, oversized koi ponds, numerous fountains, a resort pool and spa, lighted championship tennis court with covered pavilion and bathroom, mature citrus orchard, expansive lawns, a detached guest house, hidden ground-mounted solar array, and a miniature playhouse crafted to match the main residence. More than a home, 6590 Calle Reina is an irreplaceable architectural estate defined by authenticity, artistry, and enduring craftsmanship.

Mortgage Calculator

Est. Monthly Payment

$113,872

Principal & Interest$91,664
Property Tax$16,500
Insurance$4,812
HOA$895
%($3,300,000)
%
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
$26,718

15 leases of houses within 2 mi, size-adjusted · $20,293–$27,985

Monthly Cashflow

Rent − PITIA

-$87,153
Full Cashflow

Incl. vacancy, PM, maint, capex

-$107,049

What would make this work?

$107,049/mo short at 20% down; +$139,024/mo rent closes it.

Break-even price

84% under asking

$2,562,118
Break-even rent

$139,024/mo above the estimate

$165,742/mo
Cashflow at 35% down
−$89,861/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)
$91,664
Cap Rate
-1.02%
Cash-on-Cash
-38.93%
DSCR

Need ≥ 1.25 for DSCR loan

0.23

NOI (Annual)
-$168,579
Price-to-Rent

Lower = better for investors

51.5

* 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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DCashflow−$107,049/mo