3902 Vista Campana #9
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: -$2,502/mo full cashflow at 20% down, 7.36% rate.
Works at $271,676 (55% under asking), or at 81% down.
Rent $3,561/mo from 16 leases of 1–3 bed houses within 2 mi ($3,748–$4,167).
Beds
2
Baths
2
Sqft
1,527
Year Built
1972
Days on Market
146
Property Type
Single Family
HOA/mo
$666
MLS ID
260014537SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Enjoy coastal living in the desirable 55+ Oceana community! This single-story home offers beautiful ocean and mountain views, cool breezes, and an attached two-car garage. New facia and skylights being done at entry of home. Oceana features outstanding amenities, including a clubhouse, pickleball courts, two pools (one heated), spa, library, billiards room, art/pottery studio, woodshop, dog park, RV parking, and community garden plots (subject to availability and fees). Residents also enjoy discounts at nearby Emerald Isle Golf Course. Conveniently located near beaches, the Oceanside Pier, shopping, dining, and major freeways. Some photos have been virtually staged to illustrate potential furniture placement. Property is shown in its current condition in the original photos.
Mortgage Calculator
Est. Monthly Payment
$4,745
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
$3,561
Comp Average
$3,595
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,458/mo
3621 Vista Campana
2bd / 2ba · 1,635 sqft · Single Family
$600K
Est. $3,767/mo
3808 Vista Campana
2bd / 2ba · 1,432 sqft · Single Family
$599K
Est. $3,629/mo
3747 Vista Campana
2bd / 2ba · 1,600 sqft · Single Family
$625K
Est. $3,685/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
16 leases of 1–3 bed houses within 2 mi · $3,748–$4,167
Blended 50/50 with the zip's market median ($3,150)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,502/mo short at 20% down; 81% down or +$3,249/mo rent closes it.
- Break-even price
- $271,676
- Break-even rent
- $6,810/mo
- Cashflow at 35% down
- −$1,882/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$3,249/mo above the estimate
$485,190 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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