17539 Fairlie Rd
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17539 Fairlie Rd

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$820,000
STR: check · no permits in this complex · TOT 11.75%

6 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 48-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: -$3,833/mo full cashflow at 20% down, 7.43% rate.

Works at $320,886 (61% under asking), or at 88% down.

Rent $3,935/mo from 10 leases of 3-bed condos & townhomes within 2 mi ($3,838–$4,197).

Beds

3

Baths

2.5

Sqft

1,651

Year Built

1984

Days on Market

95

Property Type

Townhouse

HOA/mo

$565

MLS ID

260019317SD

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

Virtual Tour

About This Property

Welcome to this immaculate, spacious townhome in a highly desirable community within the award-winning Poway Unified School District. Filled with natural light, the open floor plan creates a bright and inviting living space, highlighted by a handsome brick fireplace. The freshly painted interior and new flooring give the home a fresh, modern feel. The oversized primary bedroom offers a private balcony and two closets, providing plenty of storage and a relaxing retreat. Step outside to enjoy the private patio, perfect for morning coffee, outdoor dining, or unwinding after a long day. Residents enjoy resort-style amenities including a community pool, jacuzzi, tennis and pickleball courts, and a playground. Complete with a one-car garage and an assigned parking space, this home is ideally located just minutes from freeway access, shopping, and dining. This move-in-ready townhome offers the perfect combination of comfort, convenience, and an exceptional lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,180

Principal & Interest$4,555
Property Tax$820
Insurance$239
HOA$565
%($164,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Chaparral 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.

Investment Score

25C
Est. Monthly Rent
$3,935

10 leases of 3-bed condos & townhomes within 2 mi · $3,838–$4,197

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,244
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,833

What would make this work?

$3,833/mo short at 20% down; 88% down or +$4,978/mo rent closes it.

Break-even price

61% under asking

$320,886
Break-even rent

$4,978/mo above the estimate

$8,913/mo
Cashflow at 35% down
−$2,979/mo
Down payment to break even

$721,600 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,555
Cap Rate
1.35%
Cash-on-Cash
-28.05%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$11,032
Price-to-Rent

Lower = better for investors

17.4

* 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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CCashflow−$3,833/mo