5228 San Bernardo Terrace

5228 San Bernardo Terrace

Btop 30%

San Diego, CA 92114

$789,900

Pass at asking: -$3,074/mo full cashflow at 20% down, 7.49% rate.

Works at $391,346 (50% under asking), or at 76% down.

Rent $3,920/mo from 10 leases of 3–5 bed houses within 1 mi ($3,379–$3,841).

Beds

4

Baths

2

Sqft

1,325

Year Built

1960

Days on Market

—

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026280SD

This property is in San Diego (92114). Browse neighborhood analytics →

About This Property

Extensively renovated and move-in ready. Welcome to San Bernardo Terrace, a beautifully renovated Valencia Park residence, where modern design and effortless living come together. Thoughtfully updated throughout, the home offers a bright, open interior with new flooring, windows, doors, baseboards, lighting, and refined contemporary finishes. The fully remodeled kitchen showcases new cabinetry, countertops, backsplash, and appliances, seamlessly connecting the living and dining spaces. Both bathrooms have been elegantly reimagined with new tile, vanities, countertops, fixtures, and glass enclosures, including a reconfigured primary suite with a spacious walk-in shower. Additional upgrades include updated electrical fixtures and outlets, LED recessed lighting, fresh interior and exterior paint, new ceiling fans, and enhanced exterior lighting. Outdoor spaces have been equally elevated with refreshed landscaping, new fencing and gates, decomposed granite, paver steps, and a newly added turf area--creating a private, low-maintenance setting ideal for relaxing or entertaining year-round. Room for RV parking. Centrally located in Valencia Park with convenient access to Downtown San Diego, major freeways, shopping, dining, and neighborhood amenities, this turnkey home offers refined, move-in-ready living.

Mortgage Calculator

Est. Monthly Payment

$5,434

Principal & Interest$4,414
Property Tax$790
Insurance$230
%($157,980)
%
Loan Term

Location

Loading map...

Investment Score

44B
Est. Monthly Rent
$3,920

10 leases of 3–5 bed houses within 1 mi · $3,379–$3,841

Blended 50/50 with the zip's market median ($4,202)

Monthly Cashflow

Rent − PITIA

-$1,514
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,074

What would make this work?

$3,074/mo short at 20% down; 76% down or +$3,992/mo rent closes it.

Break-even price

50% under asking

$391,346
Break-even rent

$3,992/mo above the estimate

$7,912/mo
Cashflow at 35% down
−$2,246/mo
Down payment to break even

$600,324 cash

76%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,414
Cap Rate
2.33%
Cash-on-Cash
-23.35%
DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)
$18,435
Price-to-Rent

Lower = better for investors

16.8

* Modelled at 20% down, 7.49% 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.

Open Full Calculator
BCashflow−$3,074/mo