12092 Riley Ln

12092 Riley Ln

D

Rancho Bernardo, CA 92128

$939,000
NEW — 2d on market

Beds

2

Baths

2.5

Sqft

1,513

Year Built

2025

Days on Market

2

Property Type

Townhouse

HOA/mo

$464

MLS ID

260007851SD

View on MLS

Description

2025 Lennar build in Laurel at The Trails without the waitlist! Turn-key Residence 2 builder upgrade model in highly sought-after Carmel Mountain Ranch, featuring a light, open-concept layout with upgraded finishes throughout. Expansive windows showcase unobstructed south-facing views and fill the home with natural light. Ideally positioned just steps from a newly constructed park, this home blends lifestyle and convenience. Owner improvements include LVP flooring and upgraded island lighting. Residents enjoy resort-style amenities including pools, parks, and walking trails. Additional features include a spacious two-car garage and solar. Don't miss your opportunity to own this immaculate property in one of San Diego's premier neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$6,425

Principal & Interest$4,748
Property Tax$939
Insurance$274
HOA$464
%($187,800)
%

Investment Score

0D
Est. Monthly Rent
$3,182
Monthly Cashflow

Rent − PITIA

$-3,243
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,757

Mortgage (P+I)
$4,748
Cap Rate
-0.01%
Cash-on-Cash
-30.40%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$9,361

NOI (Annual)
$-112
Price-to-Rent

Lower = better for investors

24.6

* 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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