12160 Rancho Bernardo Road
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12160 Rancho Bernardo Road #A

C

Rancho Bernardo, CA 92128

$590,000

Soft Appraisal Value: $576,500 · 2.3% above estimate

Beds

2

Baths

2

Sqft

1,091

Year Built

1968

Days on Market

9

Property Type

Condo

HOA/mo

$475

MLS ID

NDP2605161

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

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About This Property

$75K on upgrades! Downstairs condo with golf course views. Luxury vinyl plank flooring throughout, recessed lighting, new ceiling fans, and abundant natural light. The remodeled kitchen includes- new countertops, upgraded sink, and stainless steel appliances including stove, microwave, dishwasher, and refrigerator. Washer and dryer hooks ups in closet on patio. Enjoy energy efficiency and year-round comfort with premium insulating glass windows, tankless water heater, and a new furnace. Both bathrooms have been tastefully updated with modern vanities and walk-in showers. Relax outdoors on the private patio with new tile while taking in peaceful golf course views. HOA includes water, trash, cable TV with Disney+, Hulu, Paramount+, multiple streaming channels, internet, exterior maintenance, and landscaping—providing exceptional value and convenience. Residents also enjoy membership to the highly sought-after Rancho Bernardo Swim & Tennis Club featuring pool, spa, tennis courts, fitness center, and recreation amenities. Conveniently located near shopping, restaurants, golf, parks, hiking trails, and easy freeway access. A rare opportunity to own a beautifully updated golf course view condo in Rancho Bernardo within Poway Unified School District!

Mortgage Calculator

Est. Monthly Payment

$4,220

Principal & Interest$2,983
Property Tax$590
Insurance$172
HOA$475
%($118,000)
%

Location

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Investment Score

36C
Est. Monthly Rent
$2,925
Monthly Cashflow

Rent − PITIA

$-1,295
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,460

Mortgage (P+I)
$2,983
Cap Rate
1.06%
Cash-on-Cash
-25.01%
DSCR

Need ≥ 1.25 for DSCR loan

0.69
Break-even Rent
$6,120

NOI (Annual)
$6,283
Price-to-Rent

Lower = better for investors

16.8

* 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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