3747 Vista Campana #45
Btop 30%Oceanside, CA 92057Neighborhood: Oceana
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: -$2,605/mo full cashflow at 20% down, 7.36% rate.
Works at $284,121 (55% under asking), or at 81% down.
Rent $3,685/mo from 17 leases of 1–3 bed houses within 2 mi ($3,796–$4,481).
Beds
2
Baths
2
Sqft
1,600
Year Built
1971
Days on Market
73
Property Type
Single Family
HOA/mo
$666
MLS ID
NDP2608185
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome home to this beautifully updated 2 bedroom, 2 bath residence in the desirable senior community of Oceana. Move in ready and thoughtfully upgraded, this charming home offers a wonderful combination of comfort, style, and easy living. The spacious living area features beautiful hardwood flooring, while the bedrooms offer new carpet for a warm and comfortable retreat. Numerous recent upgrades include new windows, doors, and plantation style shutters, plus a new washer and dryer for added convenience. The remodeled bathrooms are sure to impress, featuring beautiful tile, shiplap paneling, a new shower door, and new fixtures. The bright kitchen offers newer appliances and a convenient breakfast bar-perfect for casual dining, morning coffee, or entertaining while preparing meals. Step outside to your own lush and private patio oasis, surrounded by greenery and fruit trees, including lemon, lime, orange and avocado. It's a wonderful space to relax and enjoy the peaceful outdoor setting. A two car garage provides secure parking along with plenty of storage space. Oceana offers an exceptional array of amenities and activities designed for an active and social lifestyle. The community offers two large swimming pools, a spa, pickleball courts, golf course, library, ballroom, and workshop.
Mortgage Calculator
Est. Monthly Payment
$4,922
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 foundThis Property
$3,685
Comp Average
$3,694
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,458/mo
4925 Siesta Drive
3bd / 2ba · 1,496 sqft · Single Family
$740K
Est. $4,056/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
3902 Vista Campana
2bd / 2ba · 1,527 sqft · Single Family
$599K
Est. $3,561/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
17 leases of 1–3 bed houses within 2 mi · $3,796–$4,481
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,605/mo short at 20% down; 81% down or +$3,383/mo rent closes it.
- Break-even price
- $284,121
- Break-even rent
- $7,068/mo
- Cashflow at 35% down
- −$1,958/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$3,383/mo above the estimate
$506,250 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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