11452 Matinal Circle
Atop 10%4S Ranch, CA 92127Neighborhood: Rancho Bernardo
7 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 9, 2026.
No unit in this 32-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: -$2,480/mo full cashflow at 20% down, 7.43% rate.
Works at $426,035 (43% under asking), or at 68% down.
Rent $4,931/mo from 17 leases of 3–5 bed condos & townhomes within 2 mi ($3,921–$4,383).
Beds
4
Baths
2.5
Sqft
1,578
Year Built
1973
Days on Market
47
Property Type
Townhouse
HOA/mo
$525
MLS ID
260023397SD
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
A private patio right off the living area and and award-winning Westwood Elementary just a short walk from your front door is where this Rancho Bernardo townhome really shines. Step outside and morning coffee, dinner al fresco, or a quiet evening under the California sun takes no planning. The main living areas flow toward the patio, so indoor and outdoor space feel like one easy setup, whether you are hosting friends or just unwinding after work. The multi-level layout is built around natural light and effortless daily living, with room for everyone to spread out. A gourmet kitchen anchors the main level with everything you need to cook, entertain, and gather without feeling cramped. Out front, Mediterranean-inspired architecture, bright exterior finishes, and mature coastal greenery give it real curb appeal in a quiet, manicured neighborhood. A private garage plus an additional parking space keep daily life simple. Westwood Club comes along with the address: a resort-style pool and spa, fitness facilities, tennis and pickleball courts, playground areas, and clubhouse spaces. It is an amenity package that makes weekends easy to fill. Westwood is the original family neighborhood of Rancho Bernardo, close to RB Community Park, the recreation center, and the dog park. Quick access to the 15 keeps commutes simple, and Poway Unified schools round out a location that fits a lot of different stages of life.
Mortgage Calculator
Est. Monthly Payment
$5,653
Location
Loading map...
Zoned Schools
Elementary
Westwood Elementary · grades K-5 · Poway Unified
Middle
Bernardo Heights Middle · grades 6-8 · Poway Unified
High
Rancho Bernardo 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
$4,931
Comp Average
$4,279
17261 Caminito Canasto
4bd / 2.5ba · 1,578 sqft · Townhouse
$769K
Est. $4,171/mo

16750 Coyote Bush Drive
3bd / 3ba · 1,688 sqft · Townhouse
$915K
Est. $4,380/mo
16750 Coyote Bush Drive
3bd / 3ba · 1,688 sqft · Townhouse
$929K
Est. $4,489/mo
16750 Coyote Bush Dr.
3bd / 3ba · 1,688 sqft · Townhouse
$925K
Est. $4,380/mo
16918 Vasquez Way
3bd / 3.5ba · 1,498 sqft · Townhouse
$880K
Est. $3,977/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
17 leases of 3–5 bed condos & townhomes within 2 mi · $3,921–$4,383
Blended 50/50 with the zip's market median ($5,748)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,480/mo short at 20% down; 68% down or +$3,221/mo rent closes it.
- Break-even price
- $426,035
- Break-even rent
- $8,152/mo
- Cashflow at 35% down
- −$1,700/mo
- Down payment to break even
- 68%
- Rate to break even
- 0.06%
43% under asking
$3,221/mo above the estimate
$509,320 cash
at 20% down
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