12126 Caminito Campana
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
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.
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Est. Monthly Payment
$5,314
Location
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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.
Comparable Properties
5 comps foundThis Property
$3,654
Comp Average
$3,770
17465 Plaza Animado
2bd / 2ba · 1,455 sqft · Condo
$645K
Est. $3,535/mo
16424 Avenida Venusto
3bd / 2ba · 1,506 sqft · Condo
$654K
Est. $3,816/mo
17862 Avenida Cordillera
3bd / 2ba · 1,350 sqft · Condo
$736K
Est. $3,721/mo
12884 Camino De La Breccia
3bd / 2ba · 1,350 sqft · Condo
$769K
Est. $3,706/mo
12122 Royal Birkdale
3bd / 2.5ba · 1,464 sqft · Condo
$749K
Est. $4,074/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,092/mo short at 20% down; 84% down or +$4,016/mo rent closes it.
- Break-even price
- $305,362
- Break-even rent
- $7,670/mo
- Cashflow at 35% down
- −$2,358/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$4,016/mo above the estimate
$596,400 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
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