
6884 Poco Lago
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: -$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 →
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
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.
Comparable Properties
5 comps foundThis Property
$18,446
Comp Average
$25,611
6565 Calle Reina
7bd / 9ba · 11,893 sqft · Single Family
$11.88M
Est. $25,358/mo
7150 Via Del Charro
7bd / 8ba · 9,670 sqft · Single Family
$12.15M
Est. $23,076/mo
6102 Avenida Alteras
7bd / 7.5ba · 9,250 sqft · Single Family
$10.00M
Est. $23,743/mo
5293 La Glorieta
6bd / 7ba · 9,341 sqft · Single Family
$13.99M
Est. $29,998/mo
6002 Via Posada Del Norte
6bd / 5.5ba · 12,745 sqft · Single Family
$10.90M
Est. $25,881/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of houses within 1 mi, size-adjusted · $15,219–$21,796
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$93,248/mo short at 20% down; +$121,102/mo rent closes it.
- Break-even price
- $1,838,933
- Break-even rent
- $139,548/mo
- Cashflow at 35% down
- −$78,686/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
87% under asking
$121,102/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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