3621 Vista Campana
Atop 10%Oceanside, CA 92057Neighborhood: Oceana
1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 14, 2026.
Pass at asking: -$2,076/mo full cashflow at 20% down, 7.36% rate.
Works at $278,213 (49% under asking), or at 75% down.
Rent $3,626/mo from 15 leases of 1–3 bed houses within 2 mi ($3,837–$4,512).
Beds
2
Baths
2
Sqft
1,600
Year Built
1967
Days on Market
0
Property Type
Single Family
HOA/mo
$666
MLS ID
NDP2610272
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Discover easy coastal living at 3621 Vista Campana South #93 in the desirable Oceana 55+ community of Oceanside. This charming 2 bedroom, 2 bathroom 1,600 square foot single-level home features a bright, open layout with one of the largest Oceana models expanding your living space and natural light filling the property. The turnkey functional floor plan provides versatile bonus rooms that can be used as an office area, hobby room, exercise or just additional living space. Step outside and relax on the outdoor courtyard perfect to entertain friends, have a BBQ or just enjoy the coastal breezes. HOA amenities include the clubhouse, large community pool, rec room, cable TV, sewer, trash and water. Minutes away from shopping, dining, entertainment, beaches and everything that the Oceana lifestyle has to offer!
Mortgage Calculator
Est. Monthly Payment
$4,410
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 foundThis Property
$3,626
Comp Average
$3,611
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,436/mo
3621 Vista Campana
2bd / 2ba · 1,635 sqft · Single Family
$600K
Est. $3,767/mo
3808 Vista Campana
2bd / 2ba · 1,432 sqft · Single Family
$599K
Est. $3,629/mo
3747 Vista Campana
2bd / 2ba · 1,600 sqft · Single Family
$625K
Est. $3,685/mo
3902 Vista Campana
2bd / 2ba · 1,527 sqft · Single Family
$599K
Est. $3,540/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
15 leases of 1–3 bed houses within 2 mi · $3,837–$4,512
Blended 50/50 with the zip's market median ($3,107)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,076/mo short at 20% down; 75% down or +$2,696/mo rent closes it.
- Break-even price
- $278,213
- Break-even rent
- $6,322/mo
- Cashflow at 35% down
- −$1,507/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$2,696/mo above the estimate
$412,425 cash
Negative even at a 0% loan
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.
Open Full Calculator