12059 Alta Carmel  Ct

12059 Alta Carmel Ct #167

D

Rancho Bernardo, CA 92128

$609,000

Soft Appraisal Value: $680,800 · 10.5% below estimate

Beds

2

Baths

2

Sqft

1,036

Year Built

2006

Days on Market

221

Property Type

Condo

HOA/mo

$428

MLS ID

PTP2506547

Description

Well-maintained condo featuring granite countertops and clean, upgraded finishes. Owners have never used this kitchen for cooking, giving it a fresh, like-new feel. The floor plan offers comfortable living spaces, a spacious primary bedroom with private bath and ample closet space, plus a versatile second bedroom for guests or an office. Additional features include in-unit laundry, central A/C, and a private balcony. Residents enjoy access to community amenities such as pools, fitness centers, and walking trails. Conveniently located near shopping, dining, this condo offers easy living in the heart of Rancho???????????????????????????????? Bernardo.

Mortgage Calculator

Est. Monthly Payment

$4,294

Principal & Interest$3,079
Property Tax$609
Insurance$178
HOA$428
%($121,800)
%

Investment Score

3D
Est. Monthly Rent
$2,912
Monthly Cashflow

Rent − PITIA

$-1,382
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,560

Mortgage (P+I)
$3,079
Cap Rate
1.02%
Cash-on-Cash
-25.22%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.68
Break-even Rent
$6,236

NOI (Annual)
$6,237
Price-to-Rent

Lower = better for investors

17.4

* 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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