13159 Scabard
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Sabre Springs
One license per person in San Diego: whether you can hold it depends on you, not only the home.
3 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 6, 2026.
2 of the 152 homes on this home's recorded tract hold a short-term rental license, so its HOA has allowed them. Confirm in the CC&Rs: an HOA can ban stays under 30 days (Civ. Code §4741).
Pass at asking: -$7,131/mo full cashflow at 20% down, 7.43% rate.
Works at $466,514 (67% under asking), or at 94% down.
Rent $4,848/mo from 14 leases of 4-bed houses within 2 mi ($4,410–$4,739).
Beds
4
Baths
3
Sqft
1,893
Year Built
1986
Days on Market
0
Property Type
Single Family
HOA/mo
$150
MLS ID
260026427SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Honey, I found "the one!" This home has everything you want. Move-in ready. Four bedrooms (one downstairs), with three full baths. Poway USD. Walk to elementary school. Gorgeous pool with spa and waterfall. Family room open to the kitchen. Separate living room. Impeccably maintained. Cul-de-sac location. Large lot. You name it! This has it! Come see!
Mortgage Calculator
Est. Monthly Payment
$9,702
Location
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Zoned Schools
Elementary
Morning Creek Elementary · grades K-5 · Poway Unified
Middle
Meadowbrook Middle · grades 6-8 · Poway Unified
High
Mt. Carmel 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
$4,848
Comp Average
$4,684
11726 Springside Rd
4bd / 3ba · 2,101 sqft · Single Family
$1.30M
Est. $4,956/mo
12645 Calma Ct
4bd / 2.5ba · 2,061 sqft · Single Family
$1.38M
Est. $5,132/mo
12615 Senda Acantilada
3bd / 2ba · 1,909 sqft · Single Family
$1.20M
Est. $4,686/mo
13820 Etude Road
3bd / 2ba · 1,671 sqft · Single Family
$1.40M
Est. $4,272/mo
12396 Grandee Court
3bd / 2ba · 1,824 sqft · Single Family
$1.52M
Est. $4,373/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 4-bed houses within 2 mi · $4,410–$4,739
Blended 50/50 with the zip's market median ($5,163)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,131/mo short at 20% down; 94% down or +$9,261/mo rent closes it.
- Break-even price
- $466,514
- Break-even rent
- $14,109/mo
- Cashflow at 35% down
- −$5,678/mo
- Down payment to break even
- 94%
- Rate to break even
- Not reachable
67% under asking
$9,261/mo above the estimate
$1,311,300 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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