2309 Saratoga

2309 Saratoga

D

Oceanside, CA 92054

$995,000
NEW — 3d on market

Beds

3

Baths

2

Sqft

1,066

Year Built

1963

Days on Market

3

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007731SD

View on MLS

Description

This beautifully updated 3-bedroom, 2-bathroom mid-century ranch offers modern coastal living on a sprawling corner lot. The turnkey interior features a contemporary chef’s kitchen with quartz countertops, stainless steel appliances, fully remodeled bathrooms, and dual-pane windows. Outside, the expansive fenced backyard provides a private retreat, complemented by an oversized 2-car garage and rare RV/toy parking access. Located in a quiet neighborhood with no HOA or Mello-Roos. The home has been thoughtfully updated with fresh paint, updated lighting, and a modern backsplash, creating a clean and cohesive feel throughout. Ideally located just minutes from Goat Hill Golf Club, downtown Oceanside, beaches, and some of the country's best dining (including Michelin-recognized Valle), this home offers both style and lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,316

Principal & Interest$5,031
Property Tax$995
Insurance$290
%($199,000)
%

Investment Score

5D
Est. Monthly Rent
$4,591
Monthly Cashflow

Rent − PITIA

$-1,725
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,610

Mortgage (P+I)
$5,031
Cap Rate
1.71%
Cash-on-Cash
-21.77%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.73
Break-even Rent
$9,280

NOI (Annual)
$17,051
Price-to-Rent

Lower = better for investors

18.1

* 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.

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