3606 Vista Rey #45
Atop 10%Oceanside, CA 92057Neighborhood: Oceana
2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$1,174/mo full cashflow at 20% down, 7.36% rate.
Works at $225,410 (41% under asking), or at 65% down.
Rent $3,057/mo from 17 leases of 2-bed condos & townhomes within 2 mi ($2,839–$3,301).
Beds
2
Baths
2
Sqft
1,177
Year Built
1972
Days on Market
84
Property Type
Condo
HOA/mo
$631
MLS ID
OC26179349
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
AFFORDABLE OPPORTUNITY TO OWN A SPACIOUS TOP-FLOOR CONDO IN AN ESTABLISHED COASTAL 55+ COMMUNITY! Enjoy breathtaking city lights, colorful sunsets, and ever-changing skies from this 1,177 sq. ft. residence, complemented by refreshing natural breezes and comfortable single-level living with no one above you. Enjoy a dedicated private entrance, peaceful gated setting, and covered parking with new cabinet storage conveniently located immediately near the entrance. A beautifully appointed private bonus room with a custom barn door offers the flexibility of a home office or den and is currently enjoyed as a guest room. The enclosed balcony provides a comfortable private space to relax, enjoy the views, or use for additional storage. Honeycomb window shades with warranty provide added comfort and light control. An ADT security system with window and door sensors is installed, and the buyer may continue the monitoring service through ADT if desired. Located in Oceanside, just minutes from the beach, shopping, dining, and local attractions, with easy access to everyday amenities. An exceptional opportunity to enjoy the beach-close lifestyle and make this condo your own.
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Est. Monthly Payment
$3,212
Location
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Zoned Schools
Elementary
Pablo Tac School of the Arts · grades K-5 · Oceanside Unified
Middle
Martin Luther King Jr. Middle · grades 6-8 · Oceanside Unified
High
El Camino 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
5 comps foundThis Property
$3,057
Comp Average
$3,085
3606 Vista Rey
2bd / 2ba · 1,177 sqft · Condo
$279K
Est. $3,110/mo
289 Stage Coach Rd
2bd / 2ba · 1,186 sqft · Condo
$449K
Est. $3,363/mo
3720 Mount Vernon Avenue
2bd / 2ba · 1,059 sqft · Condo
$415K
Est. $2,978/mo
3606 Vista Rey
2bd / 2ba · 1,177 sqft · Condo
$399K
Est. $3,072/mo
3660 Vista Campana No.
2bd / 2ba · 1,099 sqft · Condo
$440K
Est. $2,904/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules
Investment Score
17 leases of 2-bed condos & townhomes within 2 mi · $2,839–$3,301
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,174/mo short at 20% down; 65% down or +$1,525/mo rent closes it.
- Break-even price
- $225,410
- Break-even rent
- $4,582/mo
- Cashflow at 35% down
- −$782/mo
- Down payment to break even
- 65%
- Rate to break even
- 0.57%
41% under asking
$1,525/mo above the estimate
$246,350 cash
at 20% down
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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