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17195 W Bernardo Dr #101
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17195 W Bernardo Dr #101

Atop 10%

4S Ranch, CA 92127Neighborhood: Rancho Bernardo

$539,995
STR: check · no permits in this complex · TOT 11.75%

7 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 32-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: -$1,708/mo full cashflow at 20% down, 7.43% rate.

Works at $317,519 (41% under asking), or at 66% down.

Rent $3,791/mo from 14 leases of 3-bed condos & townhomes within 2 mi ($3,179–$3,387).

Beds

3

Baths

2

Sqft

1,040

Year Built

1994

Days on Market

108

Property Type

Condo

HOA/mo

$480

MLS ID

260018243SD

This property is in 4S Ranch (92127). View neighborhood stats →

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About This Property

Welcome to this desirable ground-level corner unit in the popular Waterbridge community of Rancho Bernardo. This spacious 3-bedroom, 2-bath home offers a bright and functional floor plan with abundant natural light and a peaceful, park-like setting. The updated kitchen features granite countertops and stainless steel appliances, while the generous primary suite includes a private bathroom. Additional highlights include central air conditioning, an in-unit stacked washer and dryer, a covered private patio, and two assigned parking spaces. Enjoy resort-style community amenities, including a swimming pool, fitness center, clubhouse, ponds, and beautifully maintained grounds. Conveniently located near shopping, dining, parks, schools, and easy freeway access.

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Est. Monthly Payment

$4,177

Principal & Interest$3,000
Property Tax$540
Insurance$157
HOA$480
%($107,999)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Westwood 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

$3,791

vs

Comp Average

$2,824

17161 Alva Rd

17161 Alva Rd

2bd / 2ba · 968 sqft · Condo

$499K

Est. $2,950/mo

17155 West Bernardo Drive 107

17155 West Bernardo Drive 107

2bd / 2ba · 944 sqft · Condo

$500K

Est. $2,845/mo

17081 Bernardo Dr

17081 Bernardo Dr

2bd / 2ba · 955 sqft · Condo

$515K

Est. $2,873/mo

17141 Bernardo

17141 Bernardo

2bd / 2ba · 944 sqft · Condo

$525K

Est. $2,702/mo

11215 Avenida De Los Lobos

11215 Avenida De Los Lobos

2bd / 2ba · 894 sqft · Condo

$521K

Est. $2,750/mo

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

Investment Score

66A
Est. Monthly Rent
$3,791

14 leases of 3-bed condos & townhomes within 2 mi · $3,179–$3,387

Blended 50/50 with the zip's market median ($4,299)

Monthly Cashflow

Rent − PITIA

-$386
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,708

What would make this work?

$1,708/mo short at 20% down; 66% down or +$2,218/mo rent closes it.

Break-even price

41% under asking

$317,519
Break-even rent

$2,218/mo above the estimate

$6,009/mo
Cashflow at 35% down
−$1,145/mo
Down payment to break even

$356,397 cash

66%
Rate to break even

at 20% down

0.50%
Mortgage (P+I)
$3,000
Cap Rate
3.29%
Cash-on-Cash
-18.98%
DSCR

Need ≥ 1.25 for DSCR loan

0.91
NOI (Annual)
$17,780
Price-to-Rent

Lower = better for investors

11.9

* 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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ACashflow−$1,708/mo