14015 Lilah Lane

14015 Lilah Lane

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Carmel Mountain Ranch

$895,950
NEW — 0d
STR: check · no permits in this complex · TOT 11.75%

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 43-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: -$4,789/mo full cashflow at 20% down, 7.36% rate.

Works at $269,200 (70% under asking), or at 98% down.

Rent $3,301/mo from 18 leases of 2-bed condos & townhomes within 2 mi ($3,194–$3,435).

Beds

2

Baths

2.5

Sqft

1,272

Year Built

2025

Days on Market

0

Property Type

Condo

HOA/mo

$484

MLS ID

NDP2610249

This property is in Rancho Bernardo (92128). View neighborhood stats →

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About This Property

Seller will look at all reasonable offers! Former Model Home. READY FOR MOVE-IN. Can be purchased fully furnished. This home has a wonderful mountain view, and has never been lived in. Offering approximately 1,272 square feet of living space in a low-maintenance setting the second floor of this new three-story townhome is an open layout that combines the Kitchen and Great Room, with an outdoor deck offering convenient outdoor access. Two bedrooms can be found upstairs, including the luxe owner’s suite with an en-suite bathroom and walk-in closet. A two-bay tandem garage with plenty of storage space completes the home. The community is conveniently close to shopping at Carmel Mountain Ranch and UTC, 4S Ranch, Del Sur and more. Students will attend schools within the Poway School District. This home is located in the Lavender collection of brand-new townhomes for sale within The Trails masterplan in San Diego, CA. Residents enjoy a great central location and easy access to I-15 and 56 freeways for simplified commutes and getting around

Mortgage Calculator

Est. Monthly Payment

$6,584

Principal & Interest$4,943
Property Tax$896
Insurance$261
HOA$484
%($179,190)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Shoal Creek Elementary · grades K-5 · Poway Unified

  • Middle

    Meadowbrook 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.

Investment Score

6C
Est. Monthly Rent
$3,301

18 leases of 2-bed condos & townhomes within 2 mi · $3,194–$3,435

Blended 50/50 with the zip's market median ($3,273)

Monthly Cashflow

Rent − PITIA

-$3,283
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,789

What would make this work?

$4,789/mo short at 20% down; 98% down or +$6,219/mo rent closes it.

Break-even price

70% under asking

$269,200
Break-even rent

$6,219/mo above the estimate

$9,520/mo
Cashflow at 35% down
−$3,862/mo
Down payment to break even

$878,031 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,943
Cap Rate
0.43%
Cash-on-Cash
-32.07%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$3,831
Price-to-Rent

Lower = better for investors

22.6

* 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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CCashflow−$4,789/mo