8745 Tillage Lane
Dbottom 20%4S Ranch, CA 92127Neighborhood: Santa Fe Valley
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: -$16,910/mo full cashflow at 20% down, 7.43% rate.
Works at $598,340 (79% under asking); even all cash loses money at asking.
Rent $6,787/mo from 12 leases of 3–5 bed houses within 1 mi ($6,640–$8,206).
Beds
4
Baths
4.5
Sqft
3,058
Year Built
2014
Days on Market
2
Property Type
Single Family
HOA/mo
$630
MLS ID
PTP2608141
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Welcome to The Lakes Above Rancho Santa Fe, an exclusive guard-gated community offering privacy, tranquility, and beautiful surroundings. This single-story residence offers approximately 3,058 square feet of living space with a thoughtfully designed layout ideal for both everyday living and entertaining. The backyard provides a relaxing outdoor retreat featuring a private spa, perfect for unwinding or enjoying Southern California's year-round sunshine. Residents of The Lakes enjoy beautifully maintained grounds, scenic walking and biking trails, parks, and peaceful lake surroundings. Conveniently located near shopping, dining, golf courses, and major commuter routes, with access to the highly regarded Poway Unified School District. Experience the comfort of single-level living in one of North County San Diego's desirable gated communities.
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Est. Monthly Payment
$19,802
Location
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Zoned Schools
Elementary
Del Sur Elementary · grades K-5 · Poway Unified
Middle
Oak Valley 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
$6,787
Comp Average
$6,788
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $6,948/mo
7714 Concerto
3bd / 3.5ba · 3,038 sqft · Single Family
$2.40M
Est. $8,022/mo
16533 4s Ranch Parkway
5bd / 3ba · 3,112 sqft · Single Family
$1.95M
Est. $6,360/mo
17052 Silver Pine
4bd / 3.5ba · 2,968 sqft · Single Family
$2.08M
Est. $6,117/mo
15260 Palomino Mesa Rd.
4bd / 3ba · 3,440 sqft · Single Family
$2.20M
Est. $6,491/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of 3–5 bed houses within 1 mi · $6,640–$8,206
Blended 50/50 with the zip's market median ($6,367)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$16,910/mo short at 20% down; +$21,960/mo rent closes it.
- Break-even price
- $598,340
- Break-even rent
- $28,747/mo
- Cashflow at 35% down
- −$13,993/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
79% under asking
$21,960/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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