3655 Vista Campana
Btop 30%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: -$2,708/mo full cashflow at 20% down, 7.36% rate.
Works at $310,636 (53% under asking), or at 80% down.
Rent $3,955/mo from 11 leases of 3-bed houses within 2 mi ($3,807–$4,412).
Beds
3
Baths
2
Sqft
1,500
Year Built
1969
Days on Market
0
Property Type
Single Family
HOA/mo
$671
MLS ID
ND26239910
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to this beautifully updated 3-bedroom, 2-bath home in the desirable 55+ Oceana community of Oceanside! Ideally situated within the complex, this home enjoys a wonderful location just a short distance from the clubhouse and community amenities and plenty of street parking for your guests, making it easy to enjoy everything Oceana has to offer.Thoughtfully renovated, the home features extensive improvements throughout, including a new roof with, double-pane windows with custom window treatments and plantation shutters, updated flooring, lighting, and fresh interior finishes. The kitchen features white shaker cabinetry, quartz countertops, stainless steel appliances, and modern fixtures. Both bathrooms have been tastefully remodeled, with the primary bathroom offering a freestanding double vanity and the guest bathroom featuring an updated vanity and tub.Additional improvements include a 3-ton furnace, gas water heater, mirrored bedroom closet doors, and an updated courtyard gate and fencing. Enjoy the added appeal of a private atrium/courtyard, a welcoming front patio, and the convenience of a two-car garage. These inviting outdoor spaces offer wonderful opportunities to relax, entertain, or simply enjoy the Southern California sunshine. Oceana website with full list of activities and amenities here https://www.ocaoceanside.com/
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Est. Monthly Payment
$5,199
Location
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Comparable Properties
5 comps foundThis Property
$3,955
Comp Average
$3,785
4925 Siesta Drive
3bd / 2ba · 1,496 sqft · Single Family
$740K
Est. $4,056/mo
3808 Vista Campana
2bd / 2ba · 1,432 sqft · Single Family
$599K
Est. $3,629/mo
1683 Bronco
3bd / 2.5ba · 1,543 sqft · Single Family
$765K
Est. $3,939/mo
3902 Vista Campana
2bd / 2ba · 1,527 sqft · Single Family
$599K
Est. $3,540/mo
4724 Ventana Way
3bd / 2.5ba · 1,532 sqft · Single Family
$835K
Est. $3,762/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
11 leases of 3-bed houses within 2 mi · $3,807–$4,412
Blended 50/50 with the zip's market median ($3,840)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,708/mo short at 20% down; 80% down or +$3,517/mo rent closes it.
- Break-even price
- $310,636
- Break-even rent
- $7,472/mo
- Cashflow at 35% down
- −$2,020/mo
- Down payment to break even
- 80%
- Rate to break even
- Not reachable
53% under asking
$3,517/mo above the estimate
$532,000 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.
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