7442 Rancho Cabrillo Trail
1 / 20

7442 Rancho Cabrillo Trail

Ctop 80%

4S Ranch, CA 92127Neighborhood: Santaluz

$3,848,888
STR: check · no permits on this tract · TOT 11.75%

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 5, 2026.

None of the 35 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$20,302/mo full cashflow at 20% down, 7.43% rate.

Works at $1,205,555 (69% under asking), or at 96% down.

Rent $12,415/mo from 14 leases of 5–7 bed houses within 2 mi ($9,279–$14,840).

Beds

6

Baths

5.5

Sqft

5,148

Year Built

2005

Days on Market

181

Property Type

Single Family

HOA/mo

$300

MLS ID

NDP2509376

This property is in 4S Ranch (92127). View neighborhood stats →

Virtual Tour

About This Property

An exceptional residence in the prestigious gated community of Mirasol, just moments from the charm and amenities of Santaluz. Set on over half an acre, this over 5,000 sq ft estate blends timeless design with thoughtful modern upgrades, creating a private retreat designed for elevated everyday living and seamless entertaining. Recently updated with beautiful new white oak hardwood flooring throughout and all-new custom kitchen cabinetry, the home feels fresh, refined, and move-in ready. At the heart of the home is a stunning open-concept kitchen and family room, where bi-folding glass doors open to a spectacular covered outdoor living area—complete with fireplace, built-in BBQ, media, ceiling-mounted heaters, and multiple seating and dining spaces for year-round enjoyment. The chef’s kitchen features a massive center island, high-end appliances, and double ovens, now complemented by its brand-new cabinetry for a clean, modern aesthetic. Upstairs, the primary suite is a tranquil escape with a spa-style steam shower, soaking tub, and a spacious walk-in closet. Outdoor amenities include a solar-heated saltwater pool and spa, lush mature landscaping, multiple entertaining zones, and a custom putting green by Back Nine Greens. The attached guest casita with a private entrance offers flexibility for long-term guests or multigenerational living. Additional features include an owned solar system, whole-home water filtration and softening, a two-car garage plus separate single-car garage, and location within the award-winning Poway Unified School District.

Mortgage Calculator

Est. Monthly Payment

$26,654

Principal & Interest$21,382
Property Tax$3,849
Insurance$1,123
HOA$300
%($769,778)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Willow Grove Elementary · grades K-5 · Poway Unified

  • Middle

    Black Mountain Middle · grades 6-8 · Poway Unified

  • High

    Del Norte High · grades 9-12 · Poway Unified

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

5C
Est. Monthly Rent
$12,415

14 leases of 5–7 bed houses within 2 mi · $9,279–$14,840

Monthly Cashflow

Rent − PITIA

-$14,239
Full Cashflow

Incl. vacancy, PM, maint, capex

-$20,302

What would make this work?

$20,302/mo short at 20% down; 96% down or +$26,366/mo rent closes it.

Break-even price

69% under asking

$1,205,555
Break-even rent

$26,366/mo above the estimate

$38,781/mo
Cashflow at 35% down
−$16,293/mo
Down payment to break even

$3,694,932 cash

96%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$21,382
Cap Rate
0.53%
Cash-on-Cash
-31.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.47

NOI (Annual)
$20,412
Price-to-Rent

Lower = better for investors

25.8

* 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.

Open Full Calculator
CCashflow−$20,302/mo