9220 Calle De Vista Oeste

9220 Calle De Vista Oeste

Ctop 80%

Rancho Peñasquitos, CA 92129

$1,738,000
NEW — 0d

Pass at asking: -$9,232/mo full cashflow at 20% down, 7.49% rate.

Works at $541,044 (69% under asking), or at 97% down.

Rent $5,420/mo from 11 leases of 3–5 bed houses within 1 mi ($5,269–$5,409).

Beds

4

Baths

3

Sqft

2,177

Year Built

1987

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026210SD

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

About This Property

The timing couldn't be better, move into this beautifully renovated 4-bedroom Rancho Penasquitos home before the holidays. Tucked away on a quiet cul-de-sac, this turnkey home offers a flexible floor plan with a full bedroom and bathroom on the ground floor, ideal for guests, a home office, or multigenerational living. Step inside to vaulted ceilings, abundant natural light, wide-plank flooring, recessed lighting, and fresh modern finishes throughout. The remodeled kitchen features warm wood cabinetry, quartz countertops, stainless steel appliances, generous prep space, and a large peninsula that opens directly to the living and dining areas. The living room is anchored by a fireplace and connects seamlessly to the backyard for easy indoor-outdoor living. Upstairs, the primary suite features a beautifully remodeled bathroom with dual sinks, an oversized walk-in shower, private water closet, and freestanding soaking tub. The private backyard offers a rare sense of openness with no neighbors directly behind, low-maintenance landscaping, and plenty of space to relax, entertain, or play. Additional highlights include an attached 2-car garage, updated bathrooms, refreshed exterior finishes, and no HOA. Located within the highly regarded Poway Unified School District and close to neighborhood parks, Black Mountain trails and open space, shopping, dining, and convenient access to Carmel Valley Road, Black Mountain Road, I-15, and SR-56.

Mortgage Calculator

Est. Monthly Payment

$11,957

Principal & Interest$9,712
Property Tax$1,738
Insurance$507
%($347,600)
%
Loan Term

Location

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Investment Score

5C
Est. Monthly Rent
$5,420

11 leases of 3–5 bed houses within 1 mi · $5,269–$5,409

Blended 50/50 with the zip's market median ($5,477)

Monthly Cashflow

Rent − PITIA

-$6,537
Full Cashflow

Incl. vacancy, PM, maint, capex

-$9,232

What would make this work?

$9,232/mo short at 20% down; 97% down or +$11,990/mo rent closes it.

Break-even price

69% under asking

$541,044
Break-even rent

$11,990/mo above the estimate

$17,410/mo
Cashflow at 35% down
−$7,411/mo
Down payment to break even

$1,685,860 cash

97%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,712
Cap Rate
0.52%
Cash-on-Cash
-31.87%
DSCR

Need ≥ 1.25 for DSCR loan

0.45

NOI (Annual)
$9,013
Price-to-Rent

Lower = better for investors

26.7

* Modelled at 20% down, 7.49% 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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CCashflow−$9,232/mo