6744 Monterra
Ctop 80%Carmel Valley, CA 92130
Pass at asking: -$11,340/mo full cashflow at 20% down, 7.49% rate.
Works at $624,857 (70% under asking), or at 98% down.
Rent $6,546/mo from 9 leases of 4-bed houses within 0.5 mi ($6,329–$6,814).
Beds
4
Baths
3
Sqft
2,487
Year Built
2015
Days on Market
1
Property Type
Single Family
HOA/mo
$221
MLS ID
260026058SD
This property is in Carmel Valley (92130). View neighborhood stats →
About This Property
Bright, beautifully maintained, and move-in ready, this original-owner home sits in Carmel Valley's highly sought-after Pacific Highlands Ranch community. The open-concept main level flows from an eat-in kitchen to an inviting living area, while a separate dining room sets the stage for gatherings. The primary bath offers dual vanities, and an expansive covered patio extends the living space outdoors for effortless entertaining. Stroll about 10 minutes to the market, restaurants, and shops at The Village at Pacific Highlands Ranch, and enjoy proximity to one of California's top-rated public high schools and stellar elementary and middle schools.
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Est. Monthly Payment
$14,634
Location
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Comparable Properties
5 comps foundThis Property
$6,546
Comp Average
$6,473
12742 Chandon
5bd / 4ba · 2,658 sqft · Single Family
$2.30M
Est. $6,836/mo
5815 Gablewood Way
4bd / 3ba · 2,353 sqft · Single Family
$2.18M
Est. $6,479/mo
6095 Blue Dawn Trail
4bd / 2.5ba · 2,408 sqft · Single Family
$2.10M
Est. $6,086/mo
5140 Via Avante
4bd / 3ba · 2,517 sqft · Single Family
$2.50M
Est. $6,562/mo
5360 Vista Del Dios
4bd / 2.5ba · 2,302 sqft · Single Family
$2.60M
Est. $6,400/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 4-bed houses within 0.5 mi · $6,329–$6,814
Blended 50/50 with the zip's market median ($6,485)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,340/mo short at 20% down; 98% down or +$14,727/mo rent closes it.
- Break-even price
- $624,857
- Break-even rent
- $21,273/mo
- Cashflow at 35% down
- −$9,145/mo
- Down payment to break even
- 98%
- Rate to break even
- Not reachable
70% under asking
$14,727/mo above the estimate
$2,053,100 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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