14412 Church Square
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Carmel Mountain Ranch
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 33-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: -$5,522/mo full cashflow at 20% down, 7.36% rate.
Works at $372,380 (66% under asking), or at 94% down.
Rent $4,060/mo from 12 leases of 2–4 bed houses within 1 mi ($3,725–$4,022).
Beds
3
Baths
2
Sqft
1,312
Year Built
1990
Days on Market
0
Property Type
Single Family
HOA/mo
$280
MLS ID
260026798SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Rare single-level 3 bed, 2 bath home on a corner huge lot in a gated community! Remodeled in 2020: quartz kitchen with metallic subway tile backsplash, stainless appliances and island with bar seating. Vaulted family room with redesigned fireplace and tons of windows. Updates include refreshed plumbing, new A/C, furnace and water heater, newer windows and doors, and LVP flooring throughout. The backyard has a large grassy area plus two covered patios with aluminum covers. Garage with epoxy floors and loads of storage. Community center with pool! Professional Photos coming Thursday afternoon! Nestled in a private gated community just moments from shopping, dining, and 56 freeway access. Community amenities include pool and spa, and the home is within walking distance to top rated PUSD schools and parks.
Mortgage Calculator
Est. Monthly Payment
$7,736
Location
Loading map...
Zoned Schools
Elementary
Highland Ranch 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
$4,060
Comp Average
$3,756
18880 Caminito Cantilena
3bd / 2.5ba · 1,362 sqft · Single Family
$920K
Est. $4,160/mo
11251 Woodrush Ct
2bd / 3ba · 1,289 sqft · Single Family
$950K
Est. $3,768/mo
16915 Acena Drive
3bd / 2ba · 1,395 sqft · Single Family
$895K
Est. $3,907/mo
12884 Circulo Dardo
2bd / 2ba · 1,286 sqft · Single Family
$848K
Est. $3,392/mo
17539 Cumana Terrace
2bd / 2ba · 1,350 sqft · Single Family
$925K
Est. $3,555/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of 2–4 bed houses within 1 mi · $3,725–$4,022
Blended 50/50 with the zip's market median ($4,302)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,522/mo short at 20% down; 94% down or +$7,171/mo rent closes it.
- Break-even price
- $372,380
- Break-even rent
- $11,231/mo
- Cashflow at 35% down
- −$4,389/mo
- Down payment to break even
- 94%
- Rate to break even
- Not reachable
66% under asking
$7,171/mo above the estimate
$1,029,300 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.
Open Full Calculator