3808 Vista Campana #26
Atop 10%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: -$1,821/mo full cashflow at 20% down, 7.36% rate.
Works at $260,750 (48% under asking), or at 73% down.
Rent $3,458/mo from 19 leases of 1–3 bed houses within 2 mi ($3,508–$4,099).
Beds
2
Baths
2
Sqft
1,347
Year Built
1970
Days on Market
77
Property Type
Single Family
HOA/mo
$670
MLS ID
260021094SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to your perfect retreat in the highly sought-after 55+ community of Oceana! This beautifully maintained, completely detached 2-bedroom, 2-bathroom home offers the ideal blend of comfort and resort-style living. Step inside to discover a wonderfully large living room that instantly draws you in with its great views, providing a picturesque backdrop for relaxing or entertaining guests. The home is fully equipped for your convenience, featuring highly effective air conditioning to keep you comfortably cool year-round, and all appliances are included for a seamless move-in experience. When you want to enjoy the beautiful weather, step outside to your own private outdoor living area, the perfect spot for sipping morning coffee or enjoying evening sunsets. You will also love the everyday ease and added storage of an attached 2-car garage. Beyond your front door, the vibrant Oceana neighborhood offers an incredible array of amenities to enhance your lifestyle. Spend your days enjoying the community pools, relaxing in the spa, or gathering with neighbors for a friendly game of pickleball, billiards, shuffleboard, or ping pong. There is an extensive calendar of activities to get involved in, giving you the complete freedom to be as highly active or as quietly relaxed as you desire. Don’t miss this rare opportunity to enjoy independent, amenity-rich living in a truly fantastic home!
Mortgage Calculator
Est. Monthly Payment
$4,068
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
$3,458
Comp Average
$3,536
3685 Vista Campana
2bd / 2ba · 1,232 sqft · Single Family
$349K
Est. $3,637/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
3902 Vista Campana
2bd / 2ba · 1,292 sqft · Single Family
$600K
Est. $3,435/mo
3890 Vista Campana South
2bd / 1.5ba · 1,292 sqft · Single Family
$600K
Est. $3,419/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
19 leases of 1–3 bed houses within 2 mi · $3,508–$4,099
Blended 50/50 with the zip's market median ($3,150)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,821/mo short at 20% down; 73% down or +$2,365/mo rent closes it.
- Break-even price
- $260,750
- Break-even rent
- $5,823/mo
- Cashflow at 35% down
- −$1,305/mo
- Down payment to break even
- 73%
- Rate to break even
- Not reachable
48% under asking
$2,365/mo above the estimate
$364,270 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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