12097 Pastoral Rd.
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12097 Pastoral Rd.

D

Rancho Bernardo, CA 92128

$939,000
NEW — 0d on market

Beds

3

Baths

2

Sqft

1,510

Year Built

1964

Days on Market

0

Property Type

Single Family

HOA/mo

$564

MLS ID

260008285SD

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

View on MLS

About This Property

Fully remodeled and truly MOVE-IN READY INSIDE AND OUT. This stunning 3 bedroom/2 bath home is located in the desirable 55+ Seven Oaks Community of Rancho Bernardo. Thoughtfully redesigned with modern living in mind, the home showcases high-end finishes throughout, including a beautifully updated kitchen, upgraded flooring, and spa-inspired bathrooms. The spacious layout includes a SEPARATE FAMILY ROOM and an OPEN LIVING ROOM/ DINING AREA, offering multiple options for relaxing or entertaining. Enjoy year round comfort with NEW HVAC SYSYTEM and NEW ROOF. Some upgrades include dual-pane windows, recessed lighting, matching appliances, a cozy fireplace and much more. Enjoy INDOOR-OUTDOOR LIVING with a spacious covered patio and low-maintenance yard. Residents of Seven Oaks enjoy resort-style amenities including a clubhouse, heated pool, fitness center, and a vibrant calendar of social activities. Low monthly HOA of $47 The spacious layout includes a SEPARATE FAMILY ROOM and an OPEN LIVING ROOM/ DINING AREA, offering multiple options for relaxing or entertaining. Enjoy year round comfort with NEW HVAC SYSYTEM and NEW ROOF. Some upgrades include dual-pane windows, recessed lighting, Matching appliances, a cozy fireplace and much more. Enjoy INDOOR-OUTDOOR LIVING with a spacious covered patio and low-maintenance yard. Residents of Seven Oaks enjoy resort-style amenities including a clubhouse, heated pool, fitness center, and a vibrant calendar of social activities. Low monthly HOA of $47

Mortgage Calculator

Est. Monthly Payment

$6,525

Principal & Interest$4,748
Property Tax$939
Insurance$274
HOA$564
%($187,800)
%

Location

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Investment Score

3D
Est. Monthly Rent
$4,334
Monthly Cashflow

Rent − PITIA

$-2,191
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,970

Mortgage (P+I)
$4,748
Cap Rate
0.99%
Cash-on-Cash
-25.37%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$9,490

NOI (Annual)
$9,332
Price-to-Rent

Lower = better for investors

18.1

* 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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