12595 Camino Vuelo
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
4 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 7, 2026.
None of the 2 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: -$7,262/mo full cashflow at 20% down, 7.43% rate.
Works at $443,501 (68% under asking), or at 96% down.
Rent $5,196/mo from 9 leases of 2–4 bed houses within 1 mi, same school area ($4,844–$5,704).
Beds
3
Baths
2.5
Sqft
2,348
Year Built
1977
Days on Market
45
Property Type
Single Family
HOA/mo
$595
MLS ID
NDP2608824
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Welcome to this beautifully remodeled only custom built home in all of Oaks North, Rancho Bernardo's premier 55+ community. The renovation has just been completed, creating a fresh, sophisticated home that is truly move-in ready. The kitchen, bathrooms, bedrooms, living areas, flooring and lighting have all been thoughtfully upgraded with stylish finishes and a comfortable, contemporary feel. Beautiful golf course views provide a peaceful backdrop for everyday living and entertaining. Life at Oaks North is an active and welcoming lifestyle that residents can enjoy swimming pool, hot tub, sauna, tennis and pickleball courts, lawn bowling, fitness classes and numerous arts and crafts along with billards and card rooms and a full calendar of other activities. This beautifully updated golf course view home offers a rare opportunity to enjoy resort-style living.
Mortgage Calculator
Est. Monthly Payment
$10,106
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.
Comparable Properties
5 comps foundThis Property
$5,196
Comp Average
$5,288
12007 Bajada Rd
3bd / 2ba · 2,126 sqft · Single Family
$1.13M
Est. $4,953/mo
12782 Jardin Rd
4bd / 2ba · 2,296 sqft · Single Family
$1.62M
Est. $5,690/mo
18093 Colonnades Pl
3bd / 2.5ba · 2,673 sqft · Single Family
$1.40M
Est. $5,199/mo
17361 Regalo
4bd / 3ba · 2,337 sqft · Single Family
$2.00M
Est. $5,546/mo
12421 Greens East Rd
3bd / 3.5ba · 2,505 sqft · Single Family
$1.97M
Est. $5,051/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 2–4 bed houses within 1 mi, same school area · $4,844–$5,704
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,262/mo short at 20% down; 96% down or +$9,431/mo rent closes it.
- Break-even price
- $443,501
- Break-even rent
- $14,627/mo
- Cashflow at 35% down
- −$5,815/mo
- Down payment to break even
- 96%
- Rate to break even
- Not reachable
68% under asking
$9,431/mo above the estimate
$1,333,440 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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