
12487 Lomica
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
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 →
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.
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Est. Monthly Payment
$6,777
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.
Comparable Properties
5 comps foundThis Property
$3,887
Comp Average
$3,735

16731 Acena Drive
2bd / 2ba · 1,384 sqft · Single Family
$900K
Est. $3,595/mo
12559 Palero Rd
2bd / 2ba · 1,450 sqft · Single Family
$830K
Est. $3,865/mo

16719 Diego Drive
2bd / 2ba · 1,402 sqft · Single Family
$835K
Est. $3,712/mo
16749 Obispo Ln
2bd / 2ba · 1,386 sqft · Single Family
$865K
Est. $3,722/mo
11942 Lomica
2bd / 2ba · 1,402 sqft · Single Family
$885K
Est. $3,781/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,534/mo short at 20% down; 93% down or +$5,888/mo rent closes it.
- Break-even price
- $309,658
- Break-even rent
- $9,775/mo
- Cashflow at 35% down
- −$3,596/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
66% under asking
$5,888/mo above the estimate
$836,999 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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