12487 Lomica
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12487 Lomica

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$899,999
STR: check · no permits on this tract · TOT 11.75%

1 licensed short-term rental within ½ mile (0 whole home), from the cities' license and permit lists of Nov 11, 2026.

None of the 39 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: -$4,534/mo full cashflow at 20% down, 7.43% rate.

Works at $309,658 (66% under asking), or at 93% down.

Rent $3,887/mo from 9 leases of 1–3 bed houses within 1 mi, same school area ($3,507–$4,181).

Beds

2

Baths

2

Sqft

1,439

Year Built

1969

Days on Market

135

Property Type

Single Family

HOA/mo

$615

MLS ID

SW26140690

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

Virtual Tour

About This Property

BEST PRICED HOME IN THE SEVEN OAKS NEIGHBORHOOD. YOU WON'T FIND ANOTHER HOME AS TURNKEY AS THIS ONE. Welcome to effortless living in the highly sought-after Seven Oaks 55+ community of Rancho Bernardo. Thoughtfully reimagined from top to bottom, this beautifully renovated single story residence offers the perfect blend of modern design, everyday comfort, and energy efficiency. Featuring 2 bedrooms, 2 full bathrooms, and 1,439 square feet of meticulously updated living space, this home welcomes you with an open, light-filled floor plan, luxury woodgrain flooring throughout, and a warm, contemporary aesthetic that feels both inviting and timeless. Every inch of the home has been thoughtfully renovated with high-end finishes, creating a truly move-in-ready experience. At the heart of the home is the stunning designer kitchen, featuring new quartz countertops with a dramatic waterfall-edge, stainless steel appliances, and ample workspace for cooking and entertaining. The open-concept layout flows seamlessly into the spacious living and dining areas, making it ideal for both everyday living and hosting family and friends. The generous primary suite offers a peaceful retreat with a beautifully renovated ensuite bathroom, while the secondary bedroom and full bath provide comfortable accommodations for guests or the perfect home office. Step outside to enjoy the 0.17-acre lot, offering plenty of room to relax, garden, or create your own private outdoor oasis. Adding tremendous value are 16 fully paid-off solar panels, providing exceptional energy efficiency and long-term savings. Residents of Seven Hills enjoy an active and welcoming 55+ lifestyle with nearby golf, parks, shopping, restaurants, medical facilities, and convenient freeway access. Combining designer finishes, paid solar, a spacious homesite, and one of Rancho Bernardo's most desirable active-adult communities, this exceptional home is ready for its next chapter.

Mortgage Calculator

Est. Monthly Payment

$6,777

Principal & Interest$5,000
Property Tax$900
Insurance$262
HOA$615
%($180,000)
%
Loan Term

Location

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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.

Investment Score

13C
Est. Monthly Rent
$3,887

9 leases of 1–3 bed houses within 1 mi, same school area · $3,507–$4,181

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,890
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,534

What would make this work?

$4,534/mo short at 20% down; 93% down or +$5,888/mo rent closes it.

Break-even price

66% under asking

$309,658
Break-even rent

$5,888/mo above the estimate

$9,775/mo
Cashflow at 35% down
−$3,596/mo
Down payment to break even

$836,999 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,000
Cap Rate
0.88%
Cash-on-Cash
-30.23%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$7,924
Price-to-Rent

Lower = better for investors

19.3

* Modelled at 20% down, 7.43% 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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CCashflow−$4,534/mo