10865 Caminito Arcada
Ctop 80%Scripps Ranch, CA 92131
3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 10, 2026.
No unit in this 6-unit complex 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: -$3,626/mo full cashflow at 20% down, 7.43% rate.
Works at $326,998 (59% under asking), or at 86% down.
Rent $3,443/mo from 27 leases of 2–4 bed condos & townhomes within 2 mi ($3,069–$3,543).
Beds
3
Baths
2.5
Sqft
1,172
Year Built
1998
Days on Market
45
Property Type
Townhouse
HOA/mo
$140
MLS ID
ML82062699
This property is in Scripps Ranch (92131). View neighborhood stats →
About This Property
Welcome to 10865 Caminito Arcada; East facing, this bright and inviting 3-bedroom, 2.5-bath townhome in the desirable Aspire/Encore community of Scripps Ranch. Offering approximately 1,172 square feet, this move-in-ready home features an open and functional floor plan with comfortable living spaces, laminate wood flooring through the main areas, and an easy indoor-outdoor flow ideal for everyday living or entertaining. The kitchen provides ample cabinet storage and generous counter space, while the upstairs layout includes a spacious primary suite plus two additional bedrooms suited for family, guests, or a home office. Enjoy private outdoor space for relaxing or gathering, along with the convenience of an attached garage. Located in a peaceful, well-maintained neighborhood near Dingeman Elementary, parks, shopping, dining, and quick access to I-15, this home offers comfort, convenience, and a wonderful opportunity to enjoy one of San Diegos most sought-after communities. Lower your initial monthly payment! Lender credit towards closing costs or a 1-year temporary rate buydown available for qualified buyers. Contact agent for full details.
Mortgage Calculator
Est. Monthly Payment
$5,611
Location
Loading map...
Zoned Schools
Elementary
Dingeman Elementary · grades K-5 · San Diego Unified
Middle
Marshall Middle · grades 6-8 · San Diego Unified
High
Scripps Ranch High · grades 9-12 · San Diego 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
$3,443
Comp Average
$3,465
10060 Scripps Vista Way
2bd / 2.5ba · 1,216 sqft · Townhouse
$649K
Est. $3,456/mo
10070 Scripps Vista Way
2bd / 2.5ba · 1,216 sqft · Townhouse
$645K
Est. $3,283/mo
10950 Ivy Hill Dr
2bd / 2.5ba · 1,288 sqft · Townhouse
$750K
Est. $3,621/mo
10010 Scripps
2bd / 2.5ba · 1,216 sqft · Townhouse
$728K
Est. $3,285/mo
11896 Scripps Creek Dr
3bd / 2.5ba · 1,335 sqft · Townhouse
$849K
Est. $3,680/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
27 leases of 2–4 bed condos & townhomes within 2 mi · $3,069–$3,543
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,626/mo short at 20% down; 86% down or +$4,708/mo rent closes it.
- Break-even price
- $326,998
- Break-even rent
- $8,151/mo
- Cashflow at 35% down
- −$2,793/mo
- Down payment to break even
- 86%
- Rate to break even
- Not reachable
59% under asking
$4,708/mo above the estimate
$687,140 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.
Open Full Calculator