1317 Pacific Street

1317 Pacific Street

D

Oceanside, CA 92054

$5,450,000
NEW — 3d on market

Beds

Baths

Sqft

3,824

Year Built

1975

Days on Market

3

Property Type

Multi-Family

HOA/mo

N/A

MLS ID

NDP2603080

Description

Located along the iconic coastline of Oceanside, this property offers more than a high-performing vacation rental-it’s a place where income and experience intersect in a way few properties can match. This turnkey multi-unit coastal retreat has been thoughtfully positioned to capture both consistent short-term rental demand and the intangible value today’s travelers are seeking: connection, relaxation, and unforgettable moments by the ocean. Each unit provides its own private space to unwind, while collectively creating an environment ideal for hosting multiple families, group getaways, or repeat guests who return year after year. Just steps from the sand and moments from the energy of the Oceanside Pier, the property delivers the full Southern California beach lifestyle-morning walks along the shoreline, afternoons in the surf, and evenings watching the sunset paint the sky. It’s the kind of setting that turns long weekends into lifelong traditions. From an investment perspective, the property presents a compelling opportunity with established short-term rental income, diversified unit configuration, and the flexibility to further enhance returns through strategic management or branding. For an owner-user, it offers something even more rare-the ability to enjoy a personal coastal escape while generating meaningful revenue. Whether you’re expanding a portfolio or looking for a property that your own family and others will return to year after year, this property represents a unique blend of performance, flexibility, and coastal lifestyle in one of North County’s most desirable beachfront locations. Downtown Oceanside has emerged as one of Southern California’s most vibrant coastal dining destinations, offering a dynamic mix of chef-driven restaurants, craft breweries, and locally loved cafés just steps from the sand and the iconic Oceanside Pier. The walkable district blends elevated cuisine with a relaxed beach lifestyle, with many concepts emphasizing locally sourced ingredients and seasonal menus, enhancing the area’s appeal for both everyday living and vacation rental demand.

Mortgage Calculator

Est. Monthly Payment

$34,598

Principal & Interest$27,558
Property Tax$5,450
Insurance$1,590
%($1,090,000)
%

Comparable Properties

2 comps found

This Property

$5,404

vs

Comp Average

$5,905

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

Investment Score

0D
Est. Monthly Rent
$5,404
Monthly Cashflow

Rent − PITIA

$-29,194
Full Cashflow

Incl. vacancy, PM, maint, capex

$-34,979

Mortgage (P+I)
$27,558
Cap Rate
-1.63%
Cash-on-Cash
-38.51%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.16
Break-even Rent
$50,831

NOI (Annual)
$-89,047
Price-to-Rent

Lower = better for investors

84.0

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator