3746 Gail Dr
Atop 10%Oceanside, CA 92056
Pass at asking: -$1,868/mo full cashflow at 20% down, 7.43% rate.
Works at $305,803 (44% under asking), or at 69% down.
Rent $3,050/mo from 15 leases of 2-bed houses in 92056 ($2,546–$2,830).
Beds
2
Baths
1
Sqft
827
Year Built
1974
Days on Market
43
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023648SD
This property is in Oceanside (92056). View neighborhood stats →
About This Property
NO HOA DUES! Welcome to 3746 Gail Drive, a beautifully renovated 2-bedroom, 1-bath home in the highly desirable Costa Serena 55+ community. Thoughtfully updated throughout, this move-in-ready residence offers a bright, open layout, a stunning designer kitchen with modern finishes, stylish flooring, recessed lighting, and an inviting living space filled with natural light. Step out back to a spacious covered patio, perfect for morning coffee or entertaining. Complete with an attached garage, additional driveway parking, and no HOA, this home offers the ideal blend of comfort, style, and low-maintenance living. Conveniently located just minutes from shopping, dining, parks, golf, major freeways, and Oceanside's beautiful beaches, this is a rare opportunity to own one of the community's most tastefully updated homes.
Mortgage Calculator
Est. Monthly Payment
$3,759
Comparable Properties
5 comps foundThis Property
$3,050
Comp Average
$2,848
3701 North Way
2bd / 1ba · 827 sqft · Single Family
$549K
Est. $2,880/mo
3754 Gail
2bd / 1ba · 827 sqft · Single Family
$565K
Est. $2,879/mo
3239 Calle Osuna
2bd / 1ba · 827 sqft · Single Family
$589K
Est. $2,912/mo
3658 Aqua Lane
2bd / 1ba · 827 sqft · Single Family
$599K
Est. $2,855/mo
4519 Quailridge Dr
2bd / 1ba · 834 sqft · Single Family
$609K
Est. $2,712/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
15 leases of 2-bed houses in 92056 · $2,546–$2,830
Blended 50/50 with the zip's market median ($3,422)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,868/mo short at 20% down; 69% down or +$2,426/mo rent closes it.
- Break-even price
- $305,803
- Break-even rent
- $5,476/mo
- Cashflow at 35% down
- −$1,296/mo
- Down payment to break even
- 69%
- Rate to break even
- Not reachable
44% under asking
$2,426/mo above the estimate
$378,810 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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