3755 Vista Campana #11
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3755 Vista Campana #11

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$515,000
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: -$1,916/mo full cashflow at 20% down, 7.36% rate.

Works at $264,256 (49% under asking), or at 74% down.

Rent $3,359/mo from 8 leases of 3-bed condos & townhomes within 2 mi ($3,065–$3,429).

Beds

3

Baths

2

Sqft

1,291

Year Built

1966

Days on Market

70

Property Type

Townhouse

HOA/mo

$567

MLS ID

260021459SD

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

Virtual Tour

About This Property

No quick flip here-but renovated and move in ready. This end unit house has been made into a home over the past years...slowly, with care to the quality of materials, and safety of the home. In 3 Bedrooms+ yoga/craft/reading room and 2 baths within approx. 1,291 sq. ft.* you will enjoy all of this: Kitchen—new **CAFE brand gas range with six burners and a double oven. **CAFE brand Refrigerator: 23 cubic-foot, counter-depth model. **CAFE brand Dishwasher: Features an adjustable second rack and a removable third rack. **Sink: Undermounted with brand-new Kohler fixtures. **Microwave: Reliable Whirlpool unit. **Countertops: Premium quartzite stone. Climate & Ventilation/Air Conditioning: **3-Ton, multi zone, ductless mini split heat pump system, with three indoor units located in living room, main bedroom, and second bedroom. **.Attic & Venting: Fully serviced in 2024 with old ducting removed and proper venting installed for the hoods in the kitchen, microwave, and bathrooms. **Bathrooms equipped with new, quiet, and high-efficiency ventilation fans. Roof & LaundryRoof: Full re-roofing completed in 2024. Laundry: Washer and gas dryer are included. Oceana Community: 2 pools with spa, Pickleball court, community garden, dog park, Clubhouse with theater, library, craft rooms, gym, computer center, lapidary, wood shop, ceramics...and a golf course Just hang up your clothes-head out to explore living in this wonderful beach town where there are always new restaurants, shopping and cultural events to explore. Breath. Relax. Feel the ocean breeze. You are home.

Mortgage Calculator

Est. Monthly Payment

$4,074

Principal & Interest$2,841
Property Tax$515
Insurance$150
HOA$567
%($103,000)
%
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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

58A
Est. Monthly Rent
$3,359

8 leases of 3-bed condos & townhomes within 2 mi · $3,065–$3,429

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$714
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,916

What would make this work?

$1,916/mo short at 20% down; 74% down or +$2,488/mo rent closes it.

Break-even price

49% under asking

$264,256
Break-even rent

$2,488/mo above the estimate

$5,847/mo
Cashflow at 35% down
−$1,383/mo
Down payment to break even

$381,100 cash

74%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,841
Cap Rate
2.55%
Cash-on-Cash
-22.32%
DSCR

Need ≥ 1.25 for DSCR loan

0.82

NOI (Annual)
$13,119
Price-to-Rent

Lower = better for investors

12.8

* 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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ACashflow−$1,916/mo