
3890 Vista Campana South #18
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: -$2,619/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 →
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.
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Est. Monthly Payment
$4,751
Location
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Comparable Properties
5 comps foundThis Property
$3,419
Comp Average
$3,450
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,458/mo
4753 Calle Estrella
3bd / 2ba · 1,245 sqft · Single Family
$674K
Est. $3,554/mo
3730 Ginger Way
2bd / 2ba · 1,122 sqft · Single Family
$525K
Est. $3,173/mo
3808 Vista Campana
2bd / 2ba · 1,432 sqft · Single Family
$599K
Est. $3,629/mo
3902 Vista Campana
2bd / 2ba · 1,292 sqft · Single Family
$600K
Est. $3,435/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
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,619/mo short at 20% down; 84% down or +$3,401/mo rent closes it.
- Break-even price
- $257,345
- Break-even rent
- $6,820/mo
- Cashflow at 35% down
- −$1,998/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$3,401/mo above the estimate
$504,000 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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