17895 Caminito Pinero #159
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 6, 2026.
No unit in this 72-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: -$3,039/mo full cashflow at 20% down, 7.43% rate.
Works at $254,373 (61% under asking), or at 88% down.
Rent $3,550/mo from 17 leases of 2–4 bed condos & townhomes within 1 mi ($3,069–$3,532).
Beds
3
Baths
2
Sqft
1,218
Year Built
1985
Days on Market
0
Property Type
Condo
HOA/mo
$780
MLS ID
260026350SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Recently upgraded and move-in ready! Improvements include fresh interior paint, new baseboards, flooring, lighting, ceiling fans, vanities, faucets, plumbing valves, and a new refrigerator water line. The modern kitchen features new countertops, custom cabinetry, and new fixtures and accessories. The home offers an open, spacious floor plan in a quiet community. Centrally located near freeways, grocery stores, restaurants, wineries, parks, and hiking trails. Located within the highly regarded Poway Unified School District, with Westwood Elementary, Bernardo Heights Middle School, and Rancho Bernardo High School nearby. A great opportunity in a convenient Rancho Bernardo location!
Mortgage Calculator
Est. Monthly Payment
$5,231
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.
Comparable Properties
5 comps foundThis Property
$3,550
Comp Average
$3,383
16238 Avenida Venusto
3bd / 2ba · 1,311 sqft · Condo
$599K
Est. $3,713/mo
11906 Paseo Lucido
2bd / 2ba · 1,217 sqft · Condo
$599K
Est. $3,194/mo
11235 Avenida De Los Lobos
3bd / 2ba · 1,230 sqft · Condo
$650K
Est. $3,433/mo
12680 Springbrook Drive
2bd / 2ba · 1,200 sqft · Condo
$699K
Est. $3,341/mo
12122 Royal Birkdale Row
2bd / 2ba · 1,172 sqft · Condo
$599K
Est. $3,234/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
17 leases of 2–4 bed condos & townhomes within 1 mi · $3,069–$3,532
Blended 50/50 with the zip's market median ($3,851)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,039/mo short at 20% down; 88% down or +$3,947/mo rent closes it.
- Break-even price
- $254,373
- Break-even rent
- $7,497/mo
- Cashflow at 35% down
- −$2,362/mo
- Down payment to break even
- 88%
- Rate to break even
- Not reachable
61% under asking
$3,947/mo above the estimate
$572,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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