18006 Calle Estepona
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 10, 2026.
None of the 105 homes on this home's recorded tract 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: -$5,151/mo full cashflow at 20% down, 7.43% rate.
Works at $364,402 (65% under asking), or at 92% down.
Rent $3,724/mo from 12 leases of 1–3 bed houses within 2 mi, same school area ($3,793–$4,238).
Beds
2
Baths
2
Sqft
1,738
Year Built
1989
Days on Market
99
Property Type
Single Family
HOA/mo
$69
MLS ID
260018862SD
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Welcome to Marbella of Oaks North! This Madrid floorplan is popular because many homeowners have made into a 2BR + office. The soaring ceilings and natural light may draw you into this stunning single story, but the recent improvements and upgrades will make you want to stay! Some of these improvements include dual-paned windows/doors, custom Basswood shutters, newer carpet, and new range. Master bath with jetted tub was redone in 2019 with new shower, cabinets, storage and fixtures. Guest bathroom was beautifully remodeled in 2021. A/C and furnace have been replaced. Updated kitchen includes slab counters, pendant and under cabinet lighting. Washer, dryer, and refrigerator (two, including one in garage) convey. Copper plumbing throughout. HOA fee includes membership to Oaks North Community Center.
Mortgage Calculator
Est. Monthly Payment
$7,156
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
$3,724
Comp Average
$4,000
16447 Gabarda Rd
2bd / 2ba · 1,618 sqft · Single Family
$799K
Est. $4,049/mo
12515 Camino Vuelo
2bd / 2ba · 1,875 sqft · Single Family
$900K
Est. $3,963/mo
15620 Via Calanova
3bd / 2ba · 1,708 sqft · Single Family
$1.04M
Est. $4,332/mo
12659 Senda Acantilada
2bd / 2ba · 1,786 sqft · Single Family
$1.02M
Est. $3,865/mo
17547 Plaza Karena
2bd / 2ba · 1,786 sqft · Single Family
$1.27M
Est. $3,791/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
12 leases of 1–3 bed houses within 2 mi, same school area · $3,793–$4,238
Blended 50/50 with the zip's market median ($3,483)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,151/mo short at 20% down; 92% down or +$6,689/mo rent closes it.
- Break-even price
- $364,402
- Break-even rent
- $10,413/mo
- Cashflow at 35% down
- −$4,073/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$6,689/mo above the estimate
$952,200 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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