12097 Pastoral

12097 Pastoral

D

Rancho Bernardo, CA 92128

$899,000
NEW — 6d on market

Beds

3

Baths

2

Sqft

1,510

Year Built

1964

Days on Market

6

Property Type

Single Family

HOA/mo

$52

MLS ID

SW26048775

View on MLS

Description

PRICE IMPROVEMENT! Welcome to this tastefully updated residence, perfectly situated in Seven Oaks, one of Rancho Bernardo's most sought-after 55+ communities. Every detail of this 3 bedroom/2 bath home has been thoughtfully remodeled to blend modern comfort with timeless style. Step inside to discover a comfortable layout featuring luxury finishes, fresh flooring, custom cabinetry and state-of-the-art appliances. This spacious home offers plenty of room to relax or entertain while large windows fill the home with natural light. With a new roof, new HVAC system and plenty of upgrades, you'll live carefree for years to come. And you can enjoy your mornings on the large private back patio, surrounded by peaceful landscaping and community greenbelts. With access to a host of amenities—including a clubhouse, pool, fitness center and many engaging clubs and social activities—you’ll love every aspect of retirement living here. This is a beautifully updated home in an outstanding Rancho Bernardo neighborhood. Schedule your private showing today and experience the best of San Diego's 55+ living!

Mortgage Calculator

Est. Monthly Payment

$5,759

Principal & Interest$4,546
Property Tax$899
Insurance$262
HOA$52
%($179,800)
%

Investment Score

9D
Est. Monthly Rent
$4,106
Monthly Cashflow

Rent − PITI − HOA

$-1,653
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,346

Mortgage (P+I)
$4,546
Cap Rate
1.60%
Cash-on-Cash
-11.03%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.71
Break-even Rent
$5,759

NOI (Annual)
$14,393
Price-to-Rent

Lower = better for investors

18.2

* 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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