12515 Camino Vuelo
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12515 Camino Vuelo

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$899,989
NEW — 0d
STR: check · no permits on this tract · TOT 11.75%

4 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 6, 2026.

None of the 50 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: -$4,649/mo full cashflow at 20% down, 7.43% rate.

Works at $294,669 (67% under asking), or at 95% down.

Rent $3,712/mo from 9 leases of 2-bed houses within 2 mi ($3,868–$4,125).

Beds

2

Baths

2

Sqft

1,875

Year Built

1977

Days on Market

0

Property Type

Single Family

HOA/mo

$595

MLS ID

NDP2610041

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

Virtual Tour

About This Property

Welcome to this beautifully updated, single-level 2-bedroom, 2-bath home offering 1,875 sq. ft. of spacious, comfortable living in the premier 55+ resort-style community of Oaks North in Rancho Bernardo. Thoughtfully upgraded for both comfort and energy efficiency, this wonderful home features owned solar, an LG backup battery, dual-pane windows, an EV charger, and solar tubes throughout that fill the interior with beautiful natural light. The expansive floor plan offers distinct living, dining, living, and family rooms, providing plenty of space for relaxing, entertaining, and everyday living. Plantation shutters add timeless style, while the updated kitchen features custom cabinetry, granite countertops, 2 ovens, a cozy breakfast nook, and a walk-in pantry. Step outside to the large, covered patio, an inviting extension of the home's living space with beautiful mountain views as your backdrop. It’s the perfect place to enjoy morning coffee, dine al fresco, entertain friends, or simply unwind and enjoy the peaceful surroundings. The spacious attached two-car garage provides excellent flexibility for vehicles, hobbies, projects, and storage. Overhead rafter storage, accessed by an easy pull-down ladder, adds even more valuable storage space. Oaks North offers an exceptional resort-style lifestyle with an impressive array of amenities, including a pool, spa, sauna, tennis and pickleball courts, fitness center, library, woodworking room, sewing room, billiards, ceramics room, and more. The large community center features meeting rooms and a kitchen and hosts a full calendar of social activities, creating countless opportunities to stay active, connect with neighbors, pursue hobbies, and make new friends. Comfortable, spacious, and thoughtfully upgraded, this exceptional home offers the ideal blend of modern conveniences, versatile living spaces, energy-efficient features, and the relaxed resort-style lifestyle that makes Oaks North so special.

Mortgage Calculator

Est. Monthly Payment

$6,757

Principal & Interest$5,000
Property Tax$900
Insurance$262
HOA$595
%($179,998)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Chaparral 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

11C
Est. Monthly Rent
$3,712

9 leases of 2-bed houses within 2 mi · $3,868–$4,125

Blended 50/50 with the zip's market median ($3,468)

Monthly Cashflow

Rent − PITIA

-$3,045
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,649

What would make this work?

$4,649/mo short at 20% down; 95% down or +$6,037/mo rent closes it.

Break-even price

67% under asking

$294,669
Break-even rent

$6,037/mo above the estimate

$9,749/mo
Cashflow at 35% down
−$3,711/mo
Down payment to break even

$854,990 cash

95%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,000
Cap Rate
0.72%
Cash-on-Cash
-30.99%
DSCR

Need ≥ 1.25 for DSCR loan

0.55

NOI (Annual)
$6,442
Price-to-Rent

Lower = better for investors

20.2

* 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−$4,649/mo