9659 Lario Ln
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: -$18,305/mo full cashflow at 20% down, 7.36% rate.
Works at $703,747 (77% under asking); even all cash loses money at asking.
Rent $7,609/mo from 12 leases of 3–5 bed houses within 1 mi ($6,975–$9,042).
Beds
4
Baths
4.5
Sqft
4,466
Year Built
2002
Days on Market
0
Property Type
Single Family
HOA/mo
$481
MLS ID
260027012SD
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Elegant single-level residence tucked away on a quiet cul-de-sac in the prestigious gated Salviati community. This beautifully upgraded home showcases true pride of ownership with new engineered wood flooring, fresh designer paint, crown molding, plantation shutters, custom built-ins, and refined finishes throughout. The gourmet kitchen features antique white cabinetry, granite countertops, and upgraded appliances, complemented by a wine room and stylish library/study. The private primary suite offers an oversized Jacuzzi tub and generous closets, while all secondary bedrooms feature en suite baths. A spacious fourth bedroom provides flexibility as a den, media room, game room, or guest retreat. French doors open to a resort-inspired backyard featuring a private spa, tranquil water feature, covered patio, built-in BBQ, fire pit, meditation garden, lush landscaping, and exterior lighting. Convenient to shopping, beaches, and freeways, with access to the highly acclaimed Poway Unified School District. Exceptional privacy, luxury, and indoor-outdoor living.
Mortgage Calculator
Est. Monthly Payment
$21,582
Location
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Zoned Schools
Elementary
Monterey Ridge 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
$7,609
Comp Average
$8,988
17348 Via Del Campo
5bd / 3.5ba · 4,207 sqft · Single Family
$2.70M
Est. $8,589/mo
7946 Kathryn Crosby Ct
4bd / 4.5ba · 4,755 sqft · Single Family
$3.85M
Est. $12,536/mo
17812 Ralphs Ranch Rd
4bd / 3.5ba · 4,429 sqft · Single Family
$3.30M
Est. $7,966/mo
7794 Doug Hill
4bd / 4ba · 4,042 sqft · Single Family
$3.79M
Est. $8,369/mo
8628 Herrington Way
4bd / 4.5ba · 3,838 sqft · Single Family
$3.27M
Est. $7,481/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 · $6,975–$9,042
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$18,305/mo short at 20% down; +$23,773/mo rent closes it.
- Break-even price
- $703,747
- Break-even rent
- $31,382/mo
- Cashflow at 35% down
- −$15,100/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
77% under asking
$23,773/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, 7.36% 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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