12540 Montero Way

12540 Montero Way

D

Rancho Bernardo, CA 92128

$1,529,900
NEW — 3d on market

Beds

5

Baths

3

Sqft

2,241

Year Built

1970

Days on Market

3

Property Type

Single Family

HOA/mo

$625

MLS ID

260007180SD

View on MLS

Description

Tucked into the coveted hills of Gatewood, this completely remodeled, turn-key 5-bedroom, 3-bath residence blends elevated design with everyday functionality. The thoughtfully designed floorplan offers both a private dining room for intimate gatherings and a spacious family room that seamlessly connects to the heart of the home. Ideal for flexible living, the home includes both a downstairs bedroom and a highly desirable primary suite on the main level—each positioned to take in serene, expansive vistas. From the moment you enter, you’re greeted by an inviting living space enhanced by wood-style beam accents that add warmth and architectural character throughout the downstairs. Additional upgrades include a finished garage with epoxy flooring, a dedicated 125A sub panel, exterior electrical amp, and a full sprinkler system. Every detail has been carefully curated, offering a move-in-ready opportunity in one of Rancho Bernardo’s most sought-after neighborhoods. This is the kind of home that doesn’t just check boxes—it quietly exceeds them.

Mortgage Calculator

Est. Monthly Payment

$10,337

Principal & Interest$7,736
Property Tax$1,530
Insurance$446
HOA$625
%($305,980)
%

Investment Score

2D
Est. Monthly Rent
$6,309
Monthly Cashflow

Rent − PITI − HOA

$-4,028
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,754

Mortgage (P+I)
$7,736
Cap Rate
0.77%
Cash-on-Cash
-26.49%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$15,080

NOI (Annual)
$11,785
Price-to-Rent

Lower = better for investors

20.2

* 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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