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18736 Caminito Cantilena #194

Btop 30%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$429,000

STR: check · no permits in this complex · TOT 11.75%

1 licensed short-term rental within ½ mile (0 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 54-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: -$1,934/mo full cashflow at 20% down, 7.43% rate.

Works at $177,103 (59% under asking), or at 85% down.

Rent $2,541/mo from 8 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area ($2,625–$2,746).

Beds

Baths

Sqft

814

Year Built

1993

Days on Market

Property Type

Condo

HOA/mo

$596

MLS ID

260019584SD

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

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About This Property

Newly upgraded, beautiful ground floor unit PLUS one car GARAGE in the gated community of Bernardo Vista Del Lago, where amenities abound! New flooring throughout, a spacious bedroom with walk in closet and patio access, newly upgraded bathroom with stunning modern finishes, and a spacious living room with cozy fireplace. The refreshed bathroom offers nice storage and the unit includes a stackable laundry area. Residents enjoy resort style amenities including two pools, two spas, tennis and basketball courts, a fitness center, clubhouse, billiard room, BBQs, and picnic areas. All of this within the award winning Poway Unified School District and in an excellent commuter friendly location.

Mortgage Calculator

Est. Monthly Payment

$3,533

Principal & Interest$2,383

Property Tax$429

Insurance$125

HOA$596

Down Payment

%($85,800)

Interest Rate

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.

Comparable Properties

5 comps found

This Property

$2,541

Comp Average

$2,551

12555 Oaks North Drive

1bd / 1ba · 822 sqft · Condo

$449K

Est. $2,803/mo

17905 Caminito Pinero

1bd / 1ba · 817 sqft · Condo

$400K

Est. $2,536/mo

11865 Caminito Ronaldo

1bd / 1ba · 817 sqft · Condo

$415K

Est. $2,591/mo

18543 Caminito Pasadero

1bd / 1ba · 814 sqft · Condo

$399K

Est. $2,384/mo

18812 Caminito Cantilena

1bd / 1ba · 814 sqft · Condo

$480K

Est. $2,443/mo

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

Investment Score

47B

Est. Monthly Rent

$2,541

8 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area · $2,625–$2,746

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$992

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,934

What would make this work?

$1,934/mo short at 20% down; 85% down or +$2,512/mo rent closes it.

Break-even price: $177,103
Break-even rent: $5,053/mo
Cashflow at 35% down: −$1,487/mo
Down payment to break even: 85%
Rate to break even: Not reachable

Mortgage (P+I)

$2,383

Cap Rate

1.61%

Cash-on-Cash

-27.05%

DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)

$6,913

Price-to-Rent

Lower = better for investors

14.1

* 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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BCashflow−$1,934/mo