
12145 San Tomas Pl
Dbottom 20%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
2 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 14, 2026.
None of the 50 homes on this home's recorded tract 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: -$6,694/mo full cashflow at 20% down, 7.36% rate.
Works at $324,052 (73% under asking); even all cash loses money at asking.
Rent $4,048/mo from 10 leases of 1–3 bed houses within 1 mi, same school area ($3,990–$4,656).
Beds
2
Baths
2
Sqft
1,770
Year Built
1969
Days on Market
1
Property Type
Single Family
HOA/mo
$640
MLS ID
260027038SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
For those who think a new home isn't in their future, we say: Welcome Home! Stunning and elegant, this home has everything! From the Brazilian cherry wood floors to the crown moldings this home has been loving upgraded and makes you feel like you're walking into a new home! (see supplement) Enter through custom front doors into an open floor plan. The spacious Livingroom invites family and friends and is open to the kitchen and dining room and rear yard. There's also a huge bonus room/office connected as well that could easily be turned into a 3rd bedroom. Features include: Matching stainless kitchen appliances, Dual pane windows throughout, Tankless water heater, AC, Beautiful wood and travertine flooring, and SOLAR which is owned not leased. The remodeled bathrooms feature walk in showers and dual vanities in the primary bath. There are multipole siting patios which feature retractable rolling shades and even a large motorized shade at kitchen patio. Stamped colored concrete has underground drainage which drain to the street. There are 4 producing citrus trees and one avocado. There's a oversized finished "Dream Garage" that every one will love. Property is fully fenced with Vynal fencing. The entire sewer line was replaced in 2025 from the house to the street.
Mortgage Calculator
Est. Monthly Payment
$8,811
Location
Loading map...
Zoned Schools
Elementary
Highland Ranch 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
$4,048
Comp Average
$3,958
13025 Avenida Marbella
2bd / 2ba · 1,738 sqft · Single Family
$944K
Est. $3,646/mo
12515 Camino Vuelo
2bd / 2ba · 1,875 sqft · Single Family
$900K
Est. $3,963/mo
12576 Lomica Drive
3bd / 2ba · 1,770 sqft · Single Family
$1.08M
Est. $4,423/mo
12659 Senda Acantilada
2bd / 2ba · 1,786 sqft · Single Family
$1.02M
Est. $3,921/mo

17547 Plaza Karena
2bd / 2ba · 1,786 sqft · Single Family
$1.27M
Est. $3,838/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 1–3 bed houses within 1 mi, same school area · $3,990–$4,656
Blended 50/50 with the zip's market median ($3,513)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,694/mo short at 20% down; +$8,693/mo rent closes it.
- Break-even price
- $324,052
- Break-even rent
- $12,741/mo
- Cashflow at 35% down
- −$5,452/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
73% under asking
$8,693/mo above the estimate
Negative even all-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.
Open Full Calculator