12510 Pacato Cir
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12510 Pacato Cir

D

Rancho Bernardo, CA 92128

$1,599,000
NEW — 7d

Soft Appraisal Value: $1,554,000 · 2.9% above estimate

Beds

5

Baths

2.5

Sqft

2,241

Year Built

1969

Days on Market

7

Property Type

Single Family

HOA/mo

$63

MLS ID

NDP2604630

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

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About This Property

Welcome to one of Rancho Bernardo’s most desirable settings, where modern design, vaulted ceilings, scenic views, and true indoor outdoor living come together beautifully. This renovated 5 bedroom, 3 bathroom home offers 2,241 square feet of inviting living space, a brand new HVAC system, a generous 7,840 square foot lot, and access to the highly desirable Rancho Bernardo Swim & Tennis Club. Inside, the open floor plan is filled with natural light and warm design details, including exposed beams, vaulted ceilings, a cozy fireplace, and seamless flow between the living room, dining area, kitchen, and family room. The expanded staircase adds a modern architectural touch while improving the feel and function of the home, and the additional 6th flex room is ideal for a game room, den, office, or creative space. Step outside to an incredible backyard setting with a vaulted covered patio just off the kitchen and dining area, creating the perfect extension of the home for entertaining, relaxing, or enjoying the views. With a 2 car garage, flexible layout, and community amenities nearby, this Rancho Bernardo home offers the space, style, and lifestyle buyers are looking for.

Mortgage Calculator

Est. Monthly Payment

$10,214

Principal & Interest$8,085
Property Tax$1,599
Insurance$466
HOA$63
%($319,800)
%

Location

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Investment Score

5D
Est. Monthly Rent
$5,433
Monthly Cashflow

Rent − PITIA

$-4,780
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,363

Mortgage (P+I)
$8,085
Cap Rate
0.54%
Cash-on-Cash
-27.63%
DSCR

Need ≥ 1.25 for DSCR loan

0.53
Break-even Rent
$14,995

NOI (Annual)
$8,675
Price-to-Rent

Lower = better for investors

24.5

* 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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