12389 Santiago Road

12389 Santiago Road

D

San Diego, CA 92128

$460,000
NEW — 6d on market

Beds

2

Baths

1

Sqft

962

Year Built

1964

Days on Market

6

Property Type

Condo

HOA/mo

$440

MLS ID

NDP2601793

Description

Welcome to this beautifully maintained end-unit home offering comfort, style, and convenience. Featuring double-paned windows for energy efficiency and year-round comfort, this residence is filled with natural light and enhanced by neutral flooring throughout for a clean, modern feel. The galley-style kitchen boasts newer cabinets, updated fixtures, and ample storage, making it both functional and inviting. Enjoy the benefit of two private outdoor areas, which is perfect for morning coffee, entertaining, or simply relaxing. Ideally situated close to restaurants, grocery stores, and everyday conveniences, this property combines low-maintenance living with unbeatable accessibility. Seven Oaks is a vibrant 55+ community, boasting a wonderful swim center, gym, library, clubhouse, events, and so much more. A wonderful opportunity you won’t want to miss!

Mortgage Calculator

Est. Monthly Payment

$3,360

Principal & Interest$2,326
Property Tax$460
Insurance$134
HOA$440
%($92,000)
%

Investment Score

19D
Est. Monthly Rent

Market Rent Estimate

$2,688
Monthly Cashflow

Rent − PITI − HOA

$-672
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,674

Mortgage (P+I)
$2,326
Cap Rate
1.70%
Cash-on-Cash
-8.77%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

1.16
Break-even Rent
$3,360

NOI (Annual)
$7,829
Price-to-Rent

Lower = better for investors

14.3

* Defaults: 20% down, 6.5% rate, 30yr.

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