6773 Poco Lago
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6773 Poco Lago

Dbottom 20%

Rancho Santa Fe, CA 92067

$5,950,000
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: -$36,641/mo full cashflow at 20% down, 7.43% rate.

Works at $1,179,181 (80% under asking); even all cash loses money at asking.

Rent $12,584/mo from 18 leases of houses within 1 mi, size-adjusted ($11,775–$17,632).

Beds

7

Baths

7.5

Sqft

8,342

Year Built

2000

Days on Market

241

Property Type

Single Family

HOA/mo

$633

MLS ID

NDP2602440

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

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About This Property

Now offered at $5,950,000, this exceptional Rancho Santa Fe estate presents a compelling opportunity to experience luxury living on a flat, usable one-acre corner lot. Spanning approximately 9,100 square feet, the residence offers grand-scale living, seven en-suite bedrooms, and an exceptional setting with views of the surrounding reserves, mature trees, and a serene lake. Designed for entertaining and comfortable family living, the home features expansive gathering spaces, a chef’s kitchen with premium Viking appliances, richly detailed wood interiors, and flexible living areas for every generation. The spectacular backyard is a true highlight, featuring a resort-style pool and spa, expansive lawn, and cabana with built-in BBQ and seating area—ideal for hosting gatherings or enjoying peaceful afternoons overlooking the natural surroundings. A private gate provides direct access to the adjacent parkland and scenic trails. Set on an exceptional parcel with potential for an ADU or SB 9 development, subject to buyer verification and applicable approvals, this remarkable estate offers space, privacy, and versatility in one of Southern California’s most coveted communities.

Mortgage Calculator

Est. Monthly Payment

$41,373

Principal & Interest$33,055
Property Tax$5,950
Insurance$1,735
HOA$633
%($1,190,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Earl Warren Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

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
$12,584

18 leases of houses within 1 mi, size-adjusted · $11,775–$17,632

Monthly Cashflow

Rent − PITIA

-$28,789
Full Cashflow

Incl. vacancy, PM, maint, capex

-$36,641

What would make this work?

$36,641/mo short at 20% down; +$47,586/mo rent closes it.

Break-even price

80% under asking

$1,179,181
Break-even rent

$47,586/mo above the estimate

$60,170/mo
Cashflow at 35% down
−$30,444/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)
$33,055
Cap Rate
-0.60%
Cash-on-Cash
-36.95%
DSCR

Need ≥ 1.25 for DSCR loan

0.30

NOI (Annual)
-$35,489
Price-to-Rent

Lower = better for investors

39.4

* 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−$36,641/mo