12118 Obispo
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12118 Obispo

D

Rancho Bernardo, CA 92128

$895,000

Soft Appraisal Value: $877,600 · 2.0% above estimate

Beds

2

Baths

2

Sqft

1,510

Year Built

1964

Days on Market

9

Property Type

Single Family

HOA/mo

$47

MLS ID

260013098SD

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

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About This Property

Prime location in Rancho Bernardo’s desirable 55+ Seven Oaks community with a wide driveway, spacious backyard, and beautiful mountain and hillside views. This 2-bedroom, 2-bath home features remodeled bathrooms, updated windows with shutters, two separate living areas, a bright sunroom, and a cozy fireplace. Enjoy a low-maintenance backyard with turf and a putting green, plus access to Seven Oaks’ community center, pool, fitness center, clubs, and activities.

Mortgage Calculator

Est. Monthly Payment

$5,729

Principal & Interest$4,526
Property Tax$895
Insurance$261
HOA$47
%($179,000)
%

Location

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Investment Score

14D
Est. Monthly Rent
$3,038
Monthly Cashflow

Rent − PITIA

$-2,691
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,135

Mortgage (P+I)
$4,526
Cap Rate
0.52%
Cash-on-Cash
-27.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.53
Break-even Rent
$8,408

NOI (Annual)
$4,685
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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