1 / 20

3615 Vista Bella #16

Btop 30%

Oceanside, CA 92057Neighborhood: Oceana

$529,900

STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,442/mo full cashflow at 20% down, 7.36% rate.

Works at $210,491 (60% under asking), or at 87% down.

Rent $2,799/mo from 8 leases of 1–3 bed condos & townhomes within 1 mi ($2,523–$2,940).

Beds

Baths

Sqft

1,028

Year Built

1966

Days on Market

Property Type

Condo

HOA/mo

$547

MLS ID

NDP2607964

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

MAKE ALL OFFERS!! $10,000 to Buyer from Seller for concessions. This is a rare opportunity to own a home in Oceanside with a superb location high on a hill with a horizon ocean view. Come and see this spacious single level condo in Oceana, a 55+ senior community. The private end-unit offers two bedrooms, 1 3/4 bathrooms, a separate dining room, updated kitchen and a private patio. Enjoy relaxing in the fully permitted Lanai/patio room with garden-like surrounding landscaping and westerly breezes. One-car garage and inside laundry. Amenities include community pool and clubhouse, golf course, dog park, community garden, pickleball, art/ceramic studio and woodshop. Bring your buyers and let's make a deal!!

Mortgage Calculator

Est. Monthly Payment

$4,155

Principal & Interest$2,924

Property Tax$530

Insurance$155

HOA$547

Down Payment

%($105,980)

Interest Rate

Loan Term

Location

Loading map...

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 found

This Property

$2,799

Comp Average

$2,893

3685 Vista Campana

2bd / 2ba · 1,028 sqft · Condo

$355K

Est. $2,870/mo

3685 Vista Campana

2bd / 2ba · 1,004 sqft · Condo

$435K

Est. $2,908/mo

3755 Vista Campana

2bd / 2ba · 1,028 sqft · Condo

$455K

Est. $2,864/mo

3685 Vista Campana

2bd / 2ba · 1,028 sqft · Condo

$495K

Est. $2,925/mo

4434 Kittiwake

2bd / 2ba · 1,050 sqft · Condo

$540K

Est. $2,898/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

40B

Est. Monthly Rent

$2,799

8 leases of 1–3 bed condos & townhomes within 1 mi · $2,523–$2,940

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,356

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,442

What would make this work?

$2,442/mo short at 20% down; 87% down or +$3,171/mo rent closes it.

Break-even price: $210,491
Break-even rent: $5,970/mo
Cashflow at 35% down: −$1,894/mo
Down payment to break even: 87%
Rate to break even: Not reachable

Mortgage (P+I)

$2,924

Cap Rate

1.41%

Cash-on-Cash

-27.65%

DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)

$7,460

Price-to-Rent

Lower = better for investors

15.8

* 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.

Open Full Calculator

BCashflow−$2,442/mo