12822 Encantadora
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12822 Encantadora #35

B

Rancho Peñasquitos, CA 92129

$431,033
NEW — 0d

Beds

3

Baths

2.5

Sqft

1,654

Year Built

2026

Days on Market

0

Property Type

Townhouse

HOA/mo

$493

MLS ID

260012419SD

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

About This Property

DEED RESTRICTED AFFORDABLE HOME PROGRAM! Requires a minimum household size of 4. Income restrictions and other guidelines apply. Please review attached document details with program criteria. This home is currently under construction and estimated to be completed by the end of September 2026. Pictures of the model has the same footprint. BUT, this home will have only a 1/2 bath on 1st floor, no bath on 2nd floor, no island and no microwave in the kitchen. MUST MAKE APPOINTMENT WITH LA TO SHOW. Gorgeous townhome with open floor plan, attached 2 car garage, 3 bedrooms, 2.5 bathrooms, patio. DEED RESTRICTED AFFORDABLE HOME PROGRAM! Requires a minimum household size of 4. Income restrictions and other guidelines apply. Please review attached document details with program criteria. This home is currently under construction and estimated to be completed by the end of September 2026. Pictures of the model has the same footprint. BUT, this home will have only a 1/2 bath on 1st floor, no bath on 2nd floor, no island and no microwave in the kitchen. MUST MAKE APPOINTMENT WITH LA TO SHOW. Gorgeous townhome with open floor plan, attached 2 car garage, 3 bedrooms, 2.5 bathrooms, patio.

Mortgage Calculator

Est. Monthly Payment

$3,229

Principal & Interest$2,180
Property Tax$431
Insurance$126
HOA$493
%($86,207)
%

Location

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Investment Score

59B
Est. Monthly Rent
$2,802
Monthly Cashflow

Rent − PITIA

$-428
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,431

Mortgage (P+I)
$2,180
Cap Rate
2.08%
Cash-on-Cash
-19.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.87
Break-even Rent
$4,661

NOI (Annual)
$8,980
Price-to-Rent

Lower = better for investors

12.8

* 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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