11911 Callado Road
Ctop 80%Rancho Bernardo, CA 92128
Pass at asking: -$4,145/mo full cashflow at 20% down, 7.43% rate.
Works at $280,245 (66% under asking), or at 93% down.
Rent $3,658/mo from 8 leases of 2-bed houses in 92128 ($3,568–$4,048).
Beds
2
Baths
2
Sqft
1,510
Year Built
1965
Days on Market
1
Property Type
Single Family
HOA/mo
$664
MLS ID
NDP2610177
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Experience the perfect blend of mid-century architectural charm and modern comfort in the heart of Seven Oaks. a highly desirable 55+ community. Located a very short distance from shopping, this beautiful single-story home features an ample living space with living room, dining room, family room, breakfast nook and a large, covered outdoor patio. The spacious kitchen boasts timeless granite counter tops and white cabinets. Upgraded with energy-efficient windows and sliding doors, gorgeous wood flooring, two fully updated bathrooms with walk-in shower. Savor fresh fruits from the lovely trees in the front and back yards. Enjoy the amenities offered at the Community Center: pool, spa, pickle-ball courts, social clubs and more.
Mortgage Calculator
Est. Monthly Payment
$6,279
Comparable Properties
5 comps foundThis Property
$3,658
Comp Average
$3,922
16447 Gabarda Rd
2bd / 2ba · 1,618 sqft · Single Family
$799K
Est. $4,049/mo
12535 Horado
2bd / 2ba · 1,510 sqft · Single Family
$850K
Est. $4,027/mo
12559 Palero Rd
2bd / 2ba · 1,450 sqft · Single Family
$830K
Est. $3,865/mo
12487 Lomica
2bd / 2ba · 1,439 sqft · Single Family
$900K
Est. $3,887/mo
11942 Lomica
2bd / 2ba · 1,402 sqft · Single Family
$885K
Est. $3,781/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 2-bed houses in 92128 · $3,568–$4,048
Blended 50/50 with the zip's market median ($3,483)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,145/mo short at 20% down; 93% down or +$5,383/mo rent closes it.
- Break-even price
- $280,245
- Break-even rent
- $9,041/mo
- Cashflow at 35% down
- −$3,291/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
66% under asking
$5,383/mo above the estimate
$762,600 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.
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