Likely sold or withdrawnWe last saw this listing 62 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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3 BED CONDOListed 155d ago
3-bed condo investor view
12366 Carmel Country Rd Unit 207, San Diego, CA 92130 · 1,145 sqft · $830/sqft
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−$2K/mo
You top up $2K/mo
Price
$950K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$346K
Deposit + fees + refurb
Return before costson price5.98%5-yr return on cash -25%Rent est. $4,734 ($4,263–$5,257)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,263–$5,257/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · $237,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $60,115–$112,605 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $712,500 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,642
after mortgage, operating costs & tax
Rent in$4,734/mo
$4,552Collected
$4,552/mo actually reaches you — the other $182 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,740Mortgage$1,636Costs
Outgoings exceed rent — you top up $1,642/mo
Mortgage$4,740
Costs$1,636
Management$473
Maintenance$67
Insurance$40
CapEx reserve$237
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$1,642
Returns
Return before costson price5.98%
Cash returnon cash-5.69%
Gross margin$2,916
Cash needed$346,280
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.60
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$56,808
$19,631
$56,883
$0
$0
-$19,707
-$19,707
Year 2
$58,512
$20,220
$56,883
$0
$0
-$18,591
-$38,298
Year 3
$60,268
$20,827
$56,883
$0
$0
-$17,442
-$55,740
Year 4
$62,076
$21,451
$56,883
$0
$0
-$16,259
-$71,999
Year 5
$63,938
$22,095
$56,883
$0
$0
-$15,040
-$87,040
Year 5 disposal
Disposal gain (gross)-$35,605
CGT$0
Net Disposal proceeds$1,022,655
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 8287.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
12366 Carmel Country Rd Unit 207, San Diego, CA 92130
condo · 3 bed · 2 bath · 1,145 sqft
$950,000
est $4,734 · 5.98% gross
1 / 19
Likely sold or withdrawnWe last saw this listing 62 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
30/100
Marginal
5.98% — verify the rent + comps locally.
5.98% Return before costs — around the area average for this property type.
Monthly profit −$1,642/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$2K/mo
You top up $2K/mo
Price
$950K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$346K
Deposit + fees + refurb
Return before costson price5.98%5-yr return on cash -25%Rent est. $4,734 ($4,263–$5,257)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,263–$5,257/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · $237,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $60,115–$112,605 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $712,500 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,642
after mortgage, operating costs & tax
Rent in$4,734/mo
$4,552Collected
$4,552/mo actually reaches you — the other $182 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,740Mortgage$1,636Costs
Outgoings exceed rent — you top up $1,642/mo
Mortgage$4,740
Costs$1,636
Management$473
Maintenance$67
Insurance$40
CapEx reserve$237
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$1,642
Returns
Return before costson price5.98%
Cash returnon cash-5.69%
Gross margin$2,916
Cash needed$346,280
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.60
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$56,808
$19,631
$56,883
$0
$0
-$19,707
-$19,707
Year 2
$58,512
$20,220
$56,883
$0
$0
-$18,591
-$38,298
Year 3
$60,268
$20,827
$56,883
$0
$0
-$17,442
-$55,740
Year 4
$62,076
$21,451
$56,883
$0
$0
-$16,259
-$71,999
Year 5
$63,938
$22,095
$56,883
$0
$0
-$15,040
-$87,040
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$346K
25% deposit$237,500
Refurb$86,360
Legal + survey$2,900
Mortgage + broker$15,250
Cash needed$346,280
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice