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16667 Diaz
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16667 Diaz

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$680,000
NEW — 1d
STR: check · no permits in this complex · TOT 11.75%

4 licensed short-term rentals within ½ mile (3 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: -$3,277/mo full cashflow at 20% down, 7.36% rate.

Works at $251,208 (63% under asking), or at 90% down.

Rent $3,376/mo from 8 leases of 2-bed condos & townhomes within 1 mi ($3,349–$4,156).

Beds

2

Baths

2

Sqft

1,358

Year Built

1970

Days on Market

1

Property Type

Condo

HOA/mo

$680

MLS ID

260026842SD

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

About This Property

Nestled on a quiet cul-de-sac in the highly desirable Seven Oaks community of Rancho Bernardo, this beautifully updated home offers comfort, style, and stunning views. Remodeled in late 2023, to include new flooring throughout. Enjoy the bright and inviting sunroom — the perfect space to relax and enjoy the peaceful surroundings. The indoor laundry room adds everyday convenience and includes newly installed cabinets for extra storage. The living area is warm and welcoming, highlighted by a beautifully remodeled fireplace that serves as a stylish focal point. With its prime location, thoughtful upgrades, and serene setting, this home truly has it all. Don’t miss the opportunity to enjoy the best of Seven Oaks living!

Mortgage Calculator

Est. Monthly Payment

$5,310

Principal & Interest$3,752
Property Tax$680
Insurance$198
HOA$680
%($136,000)
%
Loan Term

Location

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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 found

This Property

$3,376

vs

Comp Average

$3,455

17940 Avenida Alozdra

17940 Avenida Alozdra

2bd / 2ba · 1,328 sqft · Condo

$695K

Est. $3,663/mo

12491 Rios

12491 Rios

2bd / 2ba · 1,358 sqft · Condo

$639K

Est. $3,376/mo

16641 Roca Drive

16641 Roca Drive

2bd / 2ba · 1,358 sqft · Condo

$639K

Est. $3,376/mo

16657 Roca Dr

16657 Roca Dr

2bd / 2ba · 1,358 sqft · Condo

$699K

Est. $3,482/mo

12461 Rios

12461 Rios

2bd / 2ba · 1,358 sqft · Condo

$699K

Est. $3,376/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

29C
Est. Monthly Rent
$3,376

8 leases of 2-bed condos & townhomes within 1 mi · $3,349–$4,156

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

Monthly Cashflow

Rent − PITIA

-$1,934
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,277

What would make this work?

$3,277/mo short at 20% down; 90% down or +$4,256/mo rent closes it.

Break-even price

63% under asking

$251,208
Break-even rent

$4,256/mo above the estimate

$7,632/mo
Cashflow at 35% down
−$2,573/mo
Down payment to break even

$612,000 cash

90%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,752
Cap Rate
1.14%
Cash-on-Cash
-28.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.64
NOI (Annual)
$7,724
Price-to-Rent

Lower = better for investors

16.8

* 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−$3,277/mo