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12738 Calle De Las Rosas

Ctop 80%

Rancho Peñasquitos, CA 92129

$1,329,000

STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

11 licensed short-term rentals within ½ mile (6 whole home), from the cities' license and permit lists of Nov 1, 2026.

Pass at asking: -$6,730/mo full cashflow at 20% down, 7.49% rate.

Works at $456,535 (66% under asking), or at 93% down.

Rent $4,573/mo from 8 leases of 3-bed houses within 1 mi ($4,398–$4,929).

Beds

Baths

2.5

Sqft

1,683

Year Built

1985

Days on Market

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2607031

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

Virtual Tour

About This Property

Vaulted ceilings, large windows and a stunning stone staircase greet you in this newly renovated 3-bedroom, 2.5-bath Rancho Peñasquitos home. The open floor plan gives the home an easy flow that feels both spacious and comfortable. The remodeled kitchen opens on to a convenient dining nook and a cozy family room with a charming brick fireplace. All bathrooms have been beautifully updated, including the primary ensuite with a double vanity, custom shower and walk-in closet. The exterior is enhanced by low-water landscaping in the front yard and a generous-sized backyard. The garage includes ample built-in storage. Located in one of San Diego's most desirable neighborhoods, within the highly regarded Poway Unified School District. No HOA/Mello-Roos.

Mortgage Calculator

Est. Monthly Payment

$9,143

Principal & Interest$7,427

Property Tax$1,329

Insurance$388

Down Payment

%($265,800)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Canyon View Elementary · grades K-5 · Poway Unified
Middle
Mesa Verde Middle · grades 6-8 · Poway Unified
High
Westview 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 found

This Property

$4,573

Comp Average

$4,718

12568 Rideabout Ct

3bd / 3ba · 1,585 sqft · Single Family

$1.17M

Est. $4,561/mo

8755 Park Run Road

3bd / 2.5ba · 1,655 sqft · Single Family

$1.18M

Est. $4,648/mo

10606 Mathieson Street

3bd / 2.5ba · 1,895 sqft · Single Family

$1.25M

Est. $4,595/mo

7962 Brooke Vista Lane

3bd / 2.5ba · 1,812 sqft · Single Family

$1.44M

Est. $4,953/mo

14438 Callejon Musica

3bd / 2.5ba · 1,843 sqft · Single Family

$1.50M

Est. $4,832/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$4,573

8 leases of 3-bed houses within 1 mi · $4,398–$4,929

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$4,571

Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,730

What would make this work?

$6,730/mo short at 20% down; 93% down or +$8,740/mo rent closes it.

Break-even price: $456,535
Break-even rent: $13,313/mo
Cashflow at 35% down: −$5,338/mo
Down payment to break even: 93%
Rate to break even: Not reachable

Mortgage (P+I)

$7,427

Cap Rate

0.84%

Cash-on-Cash

-30.38%

DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)

$11,104

Price-to-Rent

Lower = better for investors

24.2

* Modelled at 20% down, 7.49% 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−$6,730/mo