3873 Bay Leaf Way
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: -$2,230/mo full cashflow at 20% down, 7.36% rate.
Works at $247,229 (54% under asking), or at 80% down.
Rent $3,051/mo from 18 leases of 1–3 bed houses within 2 mi ($3,016–$3,425).
Beds
2
Baths
2
Sqft
1,064
Year Built
1975
Days on Market
101
Property Type
Single Family
HOA/mo
$460
MLS ID
NDP2607285
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to this beautifully remodeled home in the highly desirable 55+ community of Oceana East I in Oceanside. This move-in ready residence features a bright, open floor plan with stylish upgrades throughout, creating a modern and inviting living space. Enjoy a private patio perfect for relaxing or entertaining, along with the convenience of low-maintenance living. Ideally located near shopping, dining, golf, medical facilities, and just minutes from Oceanside's beautiful beaches, this home offers the perfect blend of comfort and coastal lifestyle.
Mortgage Calculator
Est. Monthly Payment
$4,130
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
$3,051
Comp Average
$3,197
3572 Bartlett Avenue
2bd / 1.5ba · 1,046 sqft · Single Family
$445K
Est. $3,297/mo
3544 Bartlett Avenue
2bd / 2ba · 1,046 sqft · Single Family
$475K
Est. $3,323/mo
3615 Vista Bella
2bd / 2ba · 1,052 sqft · Single Family
$489K
Est. $3,242/mo
1039 Plover Way
2bd / 2ba · 1,050 sqft · Single Family
$505K
Est. $3,124/mo
4362 Dowitcher Way
2bd / 2ba · 1,056 sqft · Single Family
$539K
Est. $2,997/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
18 leases of 1–3 bed houses within 2 mi · $3,016–$3,425
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,230/mo short at 20% down; 80% down or +$2,896/mo rent closes it.
- Break-even price
- $247,229
- Break-even rent
- $5,947/mo
- Cashflow at 35% down
- −$1,672/mo
- Down payment to break even
- 80%
- Rate to break even
- Not reachable
54% under asking
$2,896/mo above the estimate
$431,200 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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