3760 Vista Campana S Unit #72
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3760 Vista Campana S Unit #72

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$379,800
NEW — 0d
STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 3, 2026.

Pass at asking: -$1,399/mo full cashflow at 20% down, 7.49% rate.

Works at $198,471 (48% under asking), or at 73% down.

Rent $2,861/mo from 18 leases of 2-bed condos & townhomes within 2 mi ($2,477–$2,959).

Beds

2

Baths

1

Sqft

940

Year Built

1967

Days on Market

0

Property Type

Condo

HOA/mo

$672

MLS ID

SW26231822

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

About This Property

Don't miss out on this charming 2-bedroom, 1-bath home in the desirable Oceana 55+ community of Oceanside. Situated on a private corner setting, this inviting single-story residence offers comfortable living space filled with abundant natural light. The spacious floor plan features numerous windows throughout, creating a bright and welcoming atmosphere. One of the home's highlights is the very spacious and bright sunroom that adds an additional est. 275 sqr feet living space. The patio provides another wonderful spot to enjoy Southern California's year-round outdoor lifestyle. The home also features a detached one-car garage conveniently located nearby, along with an in-home washer and dryer and refrigerator. Oceana offers a wonderful active-adult lifestyle with a community pool, spa, clubhouse, greenbelt surroundings, and a variety of social activities. Golf enthusiasts will appreciate being next to Emerald Isle Golf Course, while the home's Oceanside location provides convenient access to shopping, dining, recreation, and the coast. Whether you're looking to simplify, retire near the coast, or enjoy the amenities and social atmosphere of an established 55+ community, this Oceana home offers an appealing combination of comfort, views, privacy, and location.

Mortgage Calculator

Est. Monthly Payment

$3,285

Principal & Interest$2,122
Property Tax$380
Insurance$111
HOA$672
%($75,960)
%
Loan Term

Location

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

Investment Score

65A
Est. Monthly Rent
$2,861

18 leases of 2-bed condos & townhomes within 2 mi · $2,477–$2,959

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

Monthly Cashflow

Rent − PITIA

-$424
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,399

What would make this work?

$1,399/mo short at 20% down; 73% down or +$1,817/mo rent closes it.

Break-even price

48% under asking

$198,471
Break-even rent

$1,817/mo above the estimate

$4,678/mo
Cashflow at 35% down
−$1,001/mo
Down payment to break even

$277,254 cash

73%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,122
Cap Rate
2.74%
Cash-on-Cash
-22.10%
DSCR

Need ≥ 1.25 for DSCR loan

0.87

NOI (Annual)
$10,401
Price-to-Rent

Lower = better for investors

11.1

* Modelled at 20% down, 7.49% 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−$1,399/mo