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11945 Wilmington Road

Rancho Bernardo, CA 92128

$1,099,900

NEW — 2d

Soft Appraisal Value: $1,080,200 · 1.8% above estimate

Beds

Baths

2.5

Sqft

1,472

Year Built

1992

Days on Market

Property Type

Single Family

HOA/mo

$62

MLS ID

260015546SD

This property is in Rancho Bernardo (92128). View neighborhood stats →

About This Property

Welcome to Carmel Mountain Ranch! This 3-bedroom, 2.5-bath home is ideally located in one of North County San Diego's most desirable communities. This well-maintained home offers an open, functional layout ideal for everyday living and entertaining. Located in the acclaimed PUSD and surrounded by shopping centers, restaurants, and everyday conveniences.

Mortgage Calculator

Est. Monthly Payment

$7,044

Principal & Interest$5,562

Property Tax$1,100

Insurance$321

HOA$62

Down Payment

%($219,980)

Interest Rate

Loan Term

Location

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Comparable Properties

5 comps found

This Property

$4,187

Comp Average

$3,609

16677 Diaz Dr

2bd / 2ba · 1,358 sqft · Condo

$675K

Est. $3,848/mo

12627 Paseo Del Verano

2bd / 2ba · 1,455 sqft · Condo

$675K

Est. $3,818/mo

18557 Caminito Pasadero

3bd / 2ba · 1,222 sqft · Condo

$669K

Est. $3,648/mo

16238 Avenida Venusto

3bd / 2ba · 1,311 sqft · Condo

$668K

Est. $3,679/mo

12615 Elisa Lane

2bd / 2ba · 956 sqft · Condo

$675K

Est. $3,051/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

12D

Est. Monthly Rent

$4,187

Monthly Cashflow

Rent − PITIA

$-2,858

Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,737

Mortgage (P+I)

$5,562

Cap Rate

0.90%

Cash-on-Cash

-25.84%

DSCR

Need ≥ 1.25 for DSCR loan

0.59

Break-even Rent

$10,339

NOI (Annual)

$9,894

Price-to-Rent

Lower = better for investors

21.9

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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