12884 Circulo Dardo
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 4, 2026.
No unit in this 18-unit complex 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: -$4,569/mo full cashflow at 20% down, 7.49% rate.
Works at $282,687 (68% under asking), or at 95% down.
Rent $3,374/mo from 9 leases of 2-bed houses within 2 mi ($3,204–$3,416).
Beds
2
Baths
2
Sqft
1,286
Year Built
1978
Days on Market
46
Property Type
Single Family
HOA/mo
$418
MLS ID
260022883SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Come see for yourself! The vaulted ceilings make home feel larger than square footage reflects! Perfectly positioned to capture hilltop breezes & breathtaking, panoramic easterly mountain views! This meticulously maintained single story home is in the premier 55+ community of Oaks North, Mirador neighborhood. Featuring roof replacement in 2021, dual-pane Milgard windows, and a freshly painted interior. Quiet cul-de-sac along a peaceful circular drive with a grassy knoll at its center, the property boasts exceptional curb appeal. The setting is truly unmatched. The private backyard is a true retreat, whether entertaining guests or enjoying a quiet afternoon. Residents enjoy access to a wealth of community amenities, including tennis and pickleball, a pool and spa, an exercise room, and a vibrant calendar of community activities. Conveniently located near historic Bernardo Winery, local shopping, and with easy access to I-15.
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Est. Monthly Payment
$6,438
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
$3,374
Comp Average
$3,550
16846 Dominican
2bd / 2ba · 1,263 sqft · Single Family
$740K
Est. $3,427/mo
16731 Acena Drive
2bd / 2ba · 1,384 sqft · Single Family
$900K
Est. $3,595/mo
16749 Obispo Ln
2bd / 2ba · 1,386 sqft · Single Family
$865K
Est. $3,722/mo
15511 Walton Heath Row
2bd / 2ba · 1,207 sqft · Single Family
$875K
Est. $3,515/mo
17539 Cumana Terrace
2bd / 2ba · 1,350 sqft · Single Family
$925K
Est. $3,491/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 2-bed houses within 2 mi · $3,204–$3,416
Blended 50/50 with the zip's market median ($3,471)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,569/mo short at 20% down; 95% down or +$5,934/mo rent closes it.
- Break-even price
- $282,687
- Break-even rent
- $9,308/mo
- Cashflow at 35% down
- −$3,652/mo
- Down payment to break even
- 95%
- Rate to break even
- Not reachable
68% under asking
$5,934/mo above the estimate
$831,250 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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