
7442 Rancho Cabrillo Trail
Ctop 80%4S Ranch, CA 92127Neighborhood: Santaluz
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 →
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.
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Est. Monthly Payment
$26,654
Location
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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.
Comparable Properties
5 comps foundThis Property
$12,415
Comp Average
$11,163
15566 Rising River Pl
5bd / 4ba · 5,129 sqft · Single Family
$3.49M
Est. $10,184/mo
8245 The Landing Way
5bd / 4.5ba · 5,491 sqft · Single Family
$3.90M
Est. $11,454/mo
16907 Going My Way
5bd / 5.5ba · 5,458 sqft · Single Family
$4.25M
Est. $12,332/mo
17253 Reflections Circle
5bd / 6ba · 4,960 sqft · Single Family
$3.85M
Est. $10,015/mo
8285 Top O The Morning Way
5bd / 6ba · 5,020 sqft · Single Family
$4.47M
Est. $11,830/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 5–7 bed houses within 2 mi · $9,279–$14,840
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$20,302/mo short at 20% down; 96% down or +$26,366/mo rent closes it.
- Break-even price
- $1,205,555
- Break-even rent
- $38,781/mo
- Cashflow at 35% down
- −$16,293/mo
- Down payment to break even
- 96%
- Rate to break even
- Not reachable
69% under asking
$26,366/mo above the estimate
$3,694,932 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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