
5228 San Bernardo Terrace
Btop 30%San Diego, CA 92114
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.
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Est. Monthly Payment
$5,434
Location
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Comparable Properties
5 comps foundThis Property
$3,920
Comp Average
$3,706
7450 Jamacha Road
3bd / 2ba · 1,310 sqft · Single Family
$749K
Est. $4,145/mo
7121 Skyline Dr
3bd / 2ba · 1,274 sqft · Single Family
$760K
Est. $3,622/mo
5606 Mchugh Street
3bd / 2.5ba · 1,351 sqft · Single Family
$765K
Est. $3,492/mo
6568 Radio Dr
3bd / 2ba · 1,310 sqft · Single Family
$799K
Est. $3,500/mo
1270 Valencia Pkwy
4bd / 2ba · 1,290 sqft · Single Family
$850K
Est. $3,771/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,074/mo short at 20% down; 76% down or +$3,992/mo rent closes it.
- Break-even price
- $391,346
- Break-even rent
- $7,912/mo
- Cashflow at 35% down
- −$2,246/mo
- Down payment to break even
- 76%
- Rate to break even
- Not reachable
50% under asking
$3,992/mo above the estimate
$600,324 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
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