12097 Pastoral San Diego

12097 Pastoral San Diego

D

, CA 92128

$909,000

Beds

3

Baths

2

Sqft

1,510

Year Built

1964

Days on Market

88

Property Type

Single Family

HOA/mo

$52

MLS ID

SW25271109

View on MLS

Description

ANOTHER PRICE IMPROVEMENT! SELLER MOTIVATED! 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

$5,823

Principal & Interest$4,596
Property Tax$909
Insurance$265
HOA$52
%($181,800)
%

Investment Score

9D
Est. Monthly Rent

Market Rent Estimate

$4,106
Monthly Cashflow

Rent − PITI − HOA

$-1,716
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,418

Mortgage (P+I)
$4,596
Cap Rate
1.56%
Cash-on-Cash
-11.33%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.89
Break-even Rent
$5,822

NOI (Annual)
$14,137
Price-to-Rent

Lower = better for investors

18.4

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

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