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3685 Vista Campana #5

Btop 30%

Oceanside, CA 92057Neighborhood: Oceana

$495,000

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: -$2,092/mo full cashflow at 20% down, 7.36% rate.

Works at $221,143 (55% under asking), or at 82% down.

Rent $2,925/mo from 18 leases of 2-bed condos & townhomes within 2 mi ($2,590–$3,094).

Beds

Baths

Sqft

1,028

Year Built

1964

Days on Market

Property Type

Condo

HOA/mo

$562

MLS ID

260021813SD

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

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About This Property

Beautiful 2 bed, 2 bath end unit with remodeled kitchen and baths, laminate flooring, plantation shutters, and newer high-end HVAC with A/C. Enjoy ocean breezes, canyon views, a private shaded patio, and open green space out front. Oceana offers pools, pickleball, activities, and is next to Emerald Isle Golf Course. Includes a detached 1-car garage.55+only. Oceanside Community Association (Oceana) in Oceanside, California is a beautiful active adult community in North San Diego County. Oceana is situated just 4 miles from the ocean and 275 feet above sea level, where residents can enjoy the climate that blends the hotter inland areas with cooler ocean breezes. Active adults looking to enjoy the Southern California climate at reasonable prices and with numerous amenities will find it all at Oceana.

Mortgage Calculator

Est. Monthly Payment

$3,932

Principal & Interest$2,731

Property Tax$495

Insurance$144

HOA$562

Down Payment

%($99,000)

Interest Rate

Loan Term

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 found

This Property

$2,925

Comp Average

$2,868

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

4434 Kittiwake

2bd / 2ba · 1,050 sqft · Condo

$540K

Est. $2,898/mo

3615 Vista Bella

2bd / 2ba · 1,028 sqft · Condo

$530K

Est. $2,799/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

48B

Est. Monthly Rent

$2,925

18 leases of 2-bed condos & townhomes within 2 mi · $2,590–$3,094

Blended 50/50 with the zip's market median ($2,940)

Monthly Cashflow

Rent − PITIA

-$1,007

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,092

What would make this work?

$2,092/mo short at 20% down; 82% down or +$2,717/mo rent closes it.

Break-even price: $221,143
Break-even rent: $5,642/mo
Cashflow at 35% down: −$1,580/mo
Down payment to break even: 82%
Rate to break even: Not reachable

Mortgage (P+I)

$2,731

Cap Rate

1.90%

Cash-on-Cash

-25.36%

DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)

$9,420

Price-to-Rent

Lower = better for investors

14.1

* 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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BCashflow−$2,092/mo