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3839 Vista Campana #16

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$430,000

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 6, 2026.

Pass at asking: -$1,497/mo full cashflow at 20% down, 7.43% rate.

Works at $234,942 (45% under asking), or at 71% down.

Rent $3,209/mo from 17 leases of 1–3 bed houses within 2 mi ($2,992–$3,532).

Beds

Baths

1.5

Sqft

994

Year Built

1970

Days on Market

Property Type

Single Family

HOA/mo

$666

MLS ID

NDP2610032

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

About This Property

Enjoy comfortable coastal living in this inviting 2 bedroom, 1.5 bath home in the desirable Oceana 55+ community of Oceanside. Inside, modern laminate flooring, newer carpeting, fresh paint and new windows create a refreshed atmosphere, while the spacious patio offers a wonderful spot to unwind, enjoy the outdoors, or entertain guests. Oceana offers a welcoming community lifestyle with swimming pools, clubhouse facilities, organized activities, and beautifully landscaped grounds perfect for leisurely strolls. Ideally situated near shopping, restaurants, and the coast, this home offers an appealing blend of everyday comfort, community amenities, and the best of Oceanside living.

Mortgage Calculator

Est. Monthly Payment

$3,610

Principal & Interest$2,389

Property Tax$430

Insurance$125

HOA$666

Down Payment

%($86,000)

Interest Rate

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.

Comparable Properties

5 comps found

This Property

$3,209

Comp Average

$3,253

3631 Brandywine Street

2bd / 1.5ba · 1,050 sqft · Single Family

$413K

Est. $3,354/mo

3585 Buffum Drive

2bd / 2ba · 1,046 sqft · Single Family

$405K

Est. $3,217/mo

3760 Vista Campana

2bd / 2ba · 994 sqft · Single Family

$419K

Est. $3,218/mo

3572 Bartlett Avenue

2bd / 1.5ba · 1,046 sqft · Single Family

$445K

Est. $3,262/mo

3760 Vista Campana

2bd / 2ba · 994 sqft · Single Family

$430K

Est. $3,216/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

67A

Est. Monthly Rent

$3,209

17 leases of 1–3 bed houses within 2 mi · $2,992–$3,532

Blended 50/50 with the zip's market median ($3,150)

Monthly Cashflow

Rent − PITIA

-$401

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,497

What would make this work?

$1,497/mo short at 20% down; 71% down or +$1,944/mo rent closes it.

Break-even price: $234,942
Break-even rent: $5,153/mo
Cashflow at 35% down: −$1,049/mo
Down payment to break even: 71%
Rate to break even: Not reachable

Mortgage (P+I)

$2,389

Cap Rate

2.94%

Cash-on-Cash

-20.89%

DSCR

Need ≥ 1.25 for DSCR loan

0.89

NOI (Annual)

$12,625

Price-to-Rent

Lower = better for investors

11.2

* 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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ACashflow−$1,497/mo