12491 Rios

12491 Rios

D

Rancho Bernardo, CA 92128

$674,000

Beds

2

Baths

2

Sqft

1,358

Year Built

1970

Days on Market

42

Property Type

Condo

HOA/mo

$600

MLS ID

250043302SD

Description

Nestled in the heart of this sought-after 55+ community, this lovingly maintained second home offers effortless living in a serene, beautifully landscaped setting. Lightly lived in and meticulously cared for, it presents a rare opportunity for those seeking comfort, tranquility, and true pride of ownership. Enjoy sweeping views of the distant hills from the expansive patio—an ideal space for morning coffee, quiet afternoons, or relaxed entertaining—surrounded by lush gardens and manicured lawns. The home sparkles with readiness—clean, inviting, and truly move-in ready. Whether you're downsizing, relocating, or simply seeking a peaceful retreat, this property is ready when you are. The well-maintained community center offers fantastic recreation and socializing opportunities.

Mortgage Calculator

Est. Monthly Payment

$4,879

Principal & Interest$3,408
Property Tax$674
Insurance$197
HOA$600
%($134,800)
%

Investment Score

3D
Est. Monthly Rent
$3,309
Monthly Cashflow

Rent − PITI − HOA

$-1,570
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,893

Mortgage (P+I)
$3,408
Cap Rate
0.92%
Cash-on-Cash
-25.75%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.68
Break-even Rent
$7,066

NOI (Annual)
$6,183
Price-to-Rent

Lower = better for investors

17.0

* 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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