11452 Matinal Circle
1 / 20

11452 Matinal Circle

Atop 10%

4S Ranch, CA 92127Neighborhood: Rancho Bernardo

$749,000
STR: check · no permits in this complex · TOT 11.75%

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 →

Virtual Tour

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

Principal & Interest$4,161
Property Tax$749
Insurance$218
HOA$525
%($149,800)
%
Loan Term

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.

Investment Score

58A
Est. Monthly Rent
$4,931

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)

Monthly Cashflow

Rent − PITIA

-$722
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,480

What would make this work?

$2,480/mo short at 20% down; 68% down or +$3,221/mo rent closes it.

Break-even price

43% under asking

$426,035
Break-even rent

$3,221/mo above the estimate

$8,152/mo
Cashflow at 35% down
−$1,700/mo
Down payment to break even

$509,320 cash

68%
Rate to break even

at 20% down

0.06%

Mortgage (P+I)
$4,161
Cap Rate
3.09%
Cash-on-Cash
-19.87%
DSCR

Need ≥ 1.25 for DSCR loan

0.87

NOI (Annual)
$23,127
Price-to-Rent

Lower = better for investors

12.7

* 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
ACashflow−$2,480/mo