7756 St Andrews
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7756 St Andrews

Dbottom 20%

Rancho Santa Fe, CA 92067

$8,250,000
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: -$49,724/mo full cashflow at 20% down, 7.43% rate.

Works at $1,775,867 (78% under asking); even all cash loses money at asking.

Rent $18,872/mo from 8 leases of 5-bed houses within 2 mi ($16,574–$22,212).

Beds

5

Baths

8

Sqft

10,153

Year Built

2000

Days on Market

218

Property Type

Single Family

HOA/mo

$892

MLS ID

260007973SD

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

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About This Property

Experience elevated luxury living from one of the finest view lots within the exclusive guard-gated community of The Farms in Rancho Santa Fe. This extraordinary custom estate spans over 10,000 square feet and showcases sweeping 270+ degree views of the newly renovated Farms Golf Club, surrounding mountains, and the Pacific Ocean. Designed for seamless indoor-outdoor living, the residence is filled with natural light through soaring ceilings, expansive windows, and French doors that open to multiple outdoor entertaining spaces and view terraces. A grand courtyard entry leads to elegant formal living and dining rooms, private office/library, and an exceptional chef’s kitchen featuring top-tier appliances, oversized island, butler’s pantry, and casual dining area opening to the inviting family room and expansive veranda. The luxurious primary suite offers dual spa-inspired baths, spacious dressing rooms, and a private balcony with breathtaking golf course and ocean views. Four additional ensuite bedrooms provide comfort and privacy for family and guests. Resort-style amenities include a private theater, gym, wine cellar, sauna, elevator, pool, spa, and oversized four-car garage. A rare opportunity to own a premier estate within one of Rancho Santa Fe’s most sought-after communities.

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Est. Monthly Payment

$57,380

Principal & Interest$45,832
Property Tax$8,250
Insurance$2,406
HOA$892
%($1,650,000)
%
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
$18,872

8 leases of 5-bed houses within 2 mi · $16,574–$22,212

Monthly Cashflow

Rent − PITIA

-$38,508
Full Cashflow

Incl. vacancy, PM, maint, capex

-$49,724

What would make this work?

$49,724/mo short at 20% down; +$64,576/mo rent closes it.

Break-even price

78% under asking

$1,775,867
Break-even rent

$64,576/mo above the estimate

$83,448/mo
Cashflow at 35% down
−$41,130/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)
$45,832
Cap Rate
-0.43%
Cash-on-Cash
-36.16%
DSCR

Need ≥ 1.25 for DSCR loan

0.33

NOI (Annual)
-$35,376
Price-to-Rent

Lower = better for investors

36.4

* 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−$49,724/mo