12640 Calma Ct
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12640 Calma Ct

D

Rancho Bernardo, CA 92128

$1,349,000
NEW — 1d on market

Soft Appraisal Value: $1,321,400 · 2.1% above estimate

Beds

4

Baths

2

Sqft

1,849

Year Built

1970

Days on Market

1

Property Type

Single Family

HOA/mo

$34

MLS ID

260008618SD

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

About This Property

Beautiful single-level ranch-style home on a large lot, ideally situated on a peaceful cul-de-sac. Featuring a private pool and in excellent condition, this property offers the perfect blend of comfort, space, and functionality with ideal indoor-outdoor living. Great open floorplan, large master bedroom, beautiful views of surrounding areas. Solar power, garden area, and a large grassy play area.

Mortgage Calculator

Est. Monthly Payment

$8,598

Principal & Interest$6,821
Property Tax$1,349
Insurance$393
HOA$34
%($269,800)
%

Location

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Investment Score

3D
Est. Monthly Rent
$5,398
Monthly Cashflow

Rent − PITIA

$-3,199
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,565

Mortgage (P+I)
$6,821
Cap Rate
1.12%
Cash-on-Cash
-24.75%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.63
Break-even Rent
$12,625

NOI (Annual)
$15,076
Price-to-Rent

Lower = better for investors

20.8

* 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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