13025 Avenida Marbella
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 14, 2026.
None of the 76 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: -$4,495/mo full cashflow at 20% down, 7.36% rate.
Works at $355,268 (62% under asking), or at 90% down.
Rent $3,646/mo from 8 leases of 2-bed houses within 2 mi ($3,724–$3,884).
Beds
2
Baths
2
Sqft
1,738
Year Built
1985
Days on Market
0
Property Type
Single Family
HOA/mo
$92
MLS ID
PTP2608374
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
**Ask about the assumable VA loan at a 2.5% interest rate** This single-story home sits on a quiet street in Marbella, a 55+ neighborhood in Rancho Bernardo’s Oaks North community. The 1,738-square-foot floor plan offers two bedrooms, two bathrooms, and a flexible room for an optional third bedroom or home office. Two living areas with vaulted ceilings offer space to spread out, with a gas fireplace in one and a nearby dining room. The home also features a spacious primary bedroom, central air conditioning, an attached two-car garage, and a roof replaced in 2023. Enjoy westerly views from several rooms, then head out to the backyard patio for outdoor dining and sunset views. The large backyard offers additional space to relax and entertain. Residents have access to the Oaks North Community Center’s pool, pickleball and tennis courts, and clubs. Oaks North Golf Course, Rancho Bernardo Inn Golf Course, and Bernardo Winery are nearby, along with walking paths, parks, shopping, and dining.
Mortgage Calculator
Est. Monthly Payment
$6,516
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
$3,646
Comp Average
$4,024
12515 Camino Vuelo
2bd / 2ba · 1,875 sqft · Single Family
$900K
Est. $3,963/mo
15620 Via Calanova
3bd / 2ba · 1,708 sqft · Single Family
$999K
Est. $4,352/mo
12659 Senda Acantilada
2bd / 2ba · 1,786 sqft · Single Family
$1.02M
Est. $3,921/mo
17547 Plaza Karena
2bd / 2ba · 1,786 sqft · Single Family
$1.27M
Est. $3,838/mo
12145 San Tomas Pl
2bd / 2ba · 1,770 sqft · Single Family
$1.20M
Est. $4,048/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 2-bed houses within 2 mi · $3,724–$3,884
Blended 50/50 with the zip's market median ($3,513)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,495/mo short at 20% down; 90% down or +$5,837/mo rent closes it.
- Break-even price
- $355,268
- Break-even rent
- $9,483/mo
- Cashflow at 35% down
- −$3,519/mo
- Down payment to break even
- 90%
- Rate to break even
- Not reachable
62% under asking
$5,837/mo above the estimate
$849,150 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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