6884 Poco Lago
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6884 Poco Lago

Dbottom 20%

Rancho Santa Fe, CA 92067

$13,980,000
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: -$93,248/mo full cashflow at 20% down, 7.43% rate.

Works at $1,838,933 (87% under asking); even all cash loses money at asking.

Rent $18,446/mo from 10 leases of houses within 1 mi, size-adjusted ($15,219–$21,796).

Beds

7

Baths

8.5

Sqft

11,121

Year Built

2023

Days on Market

152

Property Type

Single Family

HOA/mo

$80

MLS ID

OC26123314

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

Virtual Tour

About This Property

Completed in 2023, this gated estate offers approximately 11,100 square feet of refined living space on a private, elevated 2.23-acre homesite exceptional privacy and refreshing coastal breezes. The property combines a single-level main residence with a fully appointed second-floor guest residence, ideal for multigenerational living, extended stays, or staff accommodations. Beyond two private gates, a long, tree-lined private driveway leads to an impressive motor court and grand entrance. Hand-forged iron doors open to interiors featuring Italian Carrara marble floors, marble columns, custom cherry wood cabinetry, decorative ironwork, stained-glass skylights, and Czech crystal chandeliers. Oversized arched windows fill the home with natural light while showcasing the privacy and openness of the grounds. The main residence offers a formal living room with marble fireplace, chandelier-lit dining room, and expansive family room. Additional spaces include a walnut bar with an Italian natural jade stone countertop, wine room, executive office with en-suite bath, and private cinema with massage seating. The chef’s kitchen features Italian marble flooring, custom cherry cabinetry, premium Miele appliances, abundant storage, and generous gathering space. The primary suite is a private retreat with a marble fireplace, wool carpeting, sauna, two walk-in closets, and separate bathrooms. Secondary bedroom suites provide comfort and privacy for family and guests. With its own entrance and assigned address, the attached second-floor guest residence includes two bedrooms, two bathrooms, a full kitchen, spacious living room, laundry room, and two private balconies. Outdoor amenities include a kitchen and barbecue area, covered entertaining spaces, expansive grounds, a fountain-centered motor court, and Belgard Eco Dublin permeable pavers. Garages accommodate up to six vehicles, with additional parking within the gated grounds. Additional features include a commercial-grade fire alarm system, security-camera monitoring and Nest climate controls. The property benefits from two addresses, with the second address assigned to the second-floor residence. Potential exists for an ADU, subject to required approvals. Some photographs include virtual staging in the balcony, garages, and pool areas. Renderings of the pool, hardscape, and fire pit area are conceptual only, differ from plans available for review, intended solely to illustrate potential improvements.

Mortgage Calculator

Est. Monthly Payment

$95,802

Principal & Interest$77,665
Property Tax$13,980
Insurance$4,077
HOA$80
%($2,796,000)
%
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
$18,446

10 leases of houses within 1 mi, size-adjusted · $15,219–$21,796

Monthly Cashflow

Rent − PITIA

-$77,356
Full Cashflow

Incl. vacancy, PM, maint, capex

-$93,248

What would make this work?

$93,248/mo short at 20% down; +$121,102/mo rent closes it.

Break-even price

87% under asking

$1,838,933
Break-even rent

$121,102/mo above the estimate

$139,548/mo
Cashflow at 35% down
−$78,686/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)
$77,665
Cap Rate
-1.26%
Cash-on-Cash
-40.02%
DSCR

Need ≥ 1.25 for DSCR loan

0.19

NOI (Annual)
-$175,935
Price-to-Rent

Lower = better for investors

63.2

* 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−$93,248/mo