3890 Vista Campana South #18
1 / 20

3890 Vista Campana South #18

Btop 30%

Oceanside, CA 92057Neighborhood: Oceana

$600,000
NEW — 1d
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: -$2,619/mo full cashflow at 20% down, 7.36% rate.

Works at $257,345 (57% under asking), or at 84% down.

Rent $3,419/mo from 15 leases of 1–3 bed houses within 2 mi ($3,436–$3,889).

Beds

2

Baths

1.5

Sqft

1,292

Year Built

1971

Days on Market

1

Property Type

Single Family

HOA/mo

$666

MLS ID

260026864SD

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

Virtual Tour

About This Property

Experience the best of coastal living in this light-filled, detached home in the desirable Oceana 55+ community! One of the home's most captivating features is its expansive windows and oversized sliding glass door, filling the living spaces with natural light while showcasing breathtaking panoramic views with partial ocean views. The open-concept floor plan creates an inviting atmosphere, complemented by a freshly painted interior and neutral 18-inch tile flooring throughout. The beautifully reconfigured kitchen features timeless white cabinetry and appliances, quartz countertops, a farmhouse sink, and soft-close drawers. Step outside to a spacious, private enclosed courtyard with direct access to the two-car garage. Additional highlights include upgraded dual-pane windows and the added privacy of a detached residence with no shared walls. Oceana offers an exceptional active lifestyle with two swimming pools, a spa, clubhouse, pickleball, ceramics and crafts studios, community garden, and so much more. An impressive calendar of social events, clubs, classes, and activities creates endless opportunities to pursue hobbies, make new connections, and enjoy a true sense of community. Residents also enjoy discounted golf privileges at nearby Emerald Isle Golf Course. Conveniently located near shopping, dining, and the beautiful Oceanside beaches, this is a wonderful opportunity to embrace relaxed coastal living in a vibrant, welcoming community.

Mortgage Calculator

Est. Monthly Payment

$4,751

Principal & Interest$3,310
Property Tax$600
Insurance$175
HOA$666
%($120,000)
%
Loan Term

Location

Loading map...

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

Investment Score

41B
Est. Monthly Rent
$3,419

15 leases of 1–3 bed houses within 2 mi · $3,436–$3,889

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

Monthly Cashflow

Rent − PITIA

-$1,332
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,619

What would make this work?

$2,619/mo short at 20% down; 84% down or +$3,401/mo rent closes it.

Break-even price

57% under asking

$257,345
Break-even rent

$3,401/mo above the estimate

$6,820/mo
Cashflow at 35% down
−$1,998/mo
Down payment to break even

$504,000 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,310
Cap Rate
1.73%
Cash-on-Cash
-26.19%
DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)
$10,351
Price-to-Rent

Lower = better for investors

14.6

* 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.

Open Full Calculator
BCashflow−$2,619/mo