
212 Pacific Street
Dbottom 20%Oceanside, CA 92054Neighborhood: Townsite
197 licensed short-term rentals within ½ mile (197 whole home), from the cities' license and permit lists of Nov 5, 2026.
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$17,669/mo full cashflow at 20% down, 7.49% rate.
Works at $569,224 (80% under asking); even all cash loses money at asking.
Rent $5,702/mo from 11 leases of 3–5 bed condos & townhomes within 1 mi ($5,482–$6,839).
Beds
4
Baths
2.5
Sqft
2,600
Year Built
2025
Days on Market
0
Property Type
Townhouse
HOA/mo
N/A
MLS ID
260026367SD
This property is in Oceanside (92054). View neighborhood stats →
About This Property
Enjoy panoramic white-water views from this newly completed modern beach home on Oceanside’s iconic Pacific Street, just steps from the sand. The light-filled home offers 4 bedrooms, a bonus room or office, 2.5 baths, and approximately 2,600 sq. ft. of open living space. The large main living area opens to a spacious ocean-facing deck, ideal for outdoor dining and sunset views. The oversized primary suite features a sitting room and private balcony. Additional highlights include a paid-off solar system, ductless A/C throughout, a one-car garage, and 1 tandem covered parking, and a west-facing ground-level patio with ocean views. The beach is just across the street, and the Oceanside Pier, restaurants, gastropubs, rooftop bars, and weekly farmers market are within walking distance. The Amtrak Station is also nearby, offering convenient rail access to San Diego for Padres games. This is one of two residences in this striking new duplex; this home has its own utilities and legal parcel number. Purchase individually or explore the rare opportunity to acquire both residences and the entire building for investment or multigenerational living. A maintenance agreement will be created if purchased separately. Buyer to verify any intended rental use and related requirements. Professional photography forthcoming.
Mortgage Calculator
Est. Monthly Payment
$19,677
Location
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Zoned Schools
Elementary
South Oceanside Elementary · grades K-5 · Oceanside Unified
Middle
Lincoln Middle · grades 6-8 · Oceanside Unified
High
Oceanside High · grades 9-12 · Oceanside 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
3 comps foundThis Property
$5,702
Comp Average
$5,602
505 Freeman Street
3bd / 3.5ba · 2,268 sqft · Townhouse
$2.00M
Est. $5,941/mo
505 Freeman Street
3bd / 3.5ba · 2,268 sqft · Townhouse
$2.00M
Est. $5,941/mo
1601 Pacific Street
3bd / 2ba · 1,828 sqft · Condo
$1.99M
Est. $4,924/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 3–5 bed condos & townhomes within 1 mi · $5,482–$6,839
Blended 50/50 with the zip's market median ($5,608)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$17,669/mo short at 20% down; +$22,947/mo rent closes it.
- Break-even price
- $569,224
- Break-even rent
- $28,649/mo
- Cashflow at 35% down
- −$14,672/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
80% under asking
$22,947/mo above the estimate
Negative even all-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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