12126 Caminito Campana

12126 Caminito Campana

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$710,000
NEW — 0d
STR: check · no permits in this complex · TOT 11.75%

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 60-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$3,092/mo full cashflow at 20% down, 7.36% rate.

Works at $305,362 (57% under asking), or at 84% down.

Rent $3,654/mo from 17 leases of 2–4 bed condos & townhomes within 1 mi ($3,205–$3,832).

Beds

3

Baths

2

Sqft

1,434

Year Built

1974

Days on Market

0

Property Type

Condo

HOA/mo

$480

MLS ID

260026944SD

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

About This Property

Welcome to Campana Villas in Rancho Bernardo! Experience resort-style living in this highly desirable community, ideally situated along the prestigious Rancho Bernardo Inn Golf Course. This stunning upper-level corner residence offers a private, peaceful setting with a thoughtfully designed open floor plan, enhanced by beautiful cathedral ceilings and an abundance of natural light streaming through large windows. The spacious living and dining areas create an inviting atmosphere, complete with a cozy fireplace and direct access to an expansive private patio--also accessible from the primary bedroom, creating the perfect setting for relaxing or entertaining. The chef-inspired galley kitchen offers abundant cabinetry and storage, while the full-size indoor laundry adds everyday convenience. Enjoy a refreshed, contemporary interior with updated finishes throughout and newer dual-pane windows. The home also includes a refrigerator, washer, dryer, convection oven, dishwasher and a brand-new Lennox Mini Split Heat/AC system for added value and convenience. The beautifully maintained Campana Villas community features lush tropical landscaping, tranquil koi ponds, and scenic walking paths. Residents also enjoy membership to the exclusive Rancho Bernardo Swim & Tennis Club, conveniently located just down the road. Ample guest parking and an assigned carport located directly in front of the unit provide additional convenience. A rare opportunity to enjoy comfort, privacy, and resort-inspired living in one of Rancho Bernardo's most sought-after communities.

Mortgage Calculator

Est. Monthly Payment

$5,314

Principal & Interest$3,917
Property Tax$710
Insurance$207
HOA$480
%($142,000)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Chaparral Elementary · grades K-5 · Poway Unified

  • Middle

    Bernardo Heights Middle · grades 6-8 · Poway Unified

  • High

    Rancho Bernardo High · grades 9-12 · Poway Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

36C
Est. Monthly Rent
$3,654

17 leases of 2–4 bed condos & townhomes within 1 mi · $3,205–$3,832

Blended 50/50 with the zip's market median ($3,851)

Monthly Cashflow

Rent − PITIA

-$1,660
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,092

What would make this work?

$3,092/mo short at 20% down; 84% down or +$4,016/mo rent closes it.

Break-even price

57% under asking

$305,362
Break-even rent

$4,016/mo above the estimate

$7,670/mo
Cashflow at 35% down
−$2,358/mo
Down payment to break even

$596,400 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,917
Cap Rate
1.70%
Cash-on-Cash
-26.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$12,091
Price-to-Rent

Lower = better for investors

16.2

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Open Full Calculator
CCashflow−$3,092/mo