3902 Vista Campana #25
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: -$2,540/mo full cashflow at 20% down, 7.36% rate.
Works at $267,592 (55% under asking), or at 82% down.
Rent $3,435/mo from 16 leases of 1–3 bed houses within 2 mi ($3,448–$3,833).
Beds
2
Baths
2
Sqft
1,292
Year Built
1972
Days on Market
95
Property Type
Single Family
HOA/mo
$600
MLS ID
NDP2607508
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Spectacular panoramic views in 55+ community. 180-degree views of the 76 valley corridor and surrounding hills including Sleeping Indian hills. Extremly well maintained home that shows pride of ownership. Open views to the North. Large two car garage with plenty of shelves and storage. Plenty of natural lighting. Private courtyard just off the kitchen/dining area.
Mortgage Calculator
Est. Monthly Payment
$4,685
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
$3,435
Comp Average
$3,447
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
3890 Vista Campana South
2bd / 1.5ba · 1,292 sqft · Single Family
$600K
Est. $3,419/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 · $3,448–$3,833
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,540/mo short at 20% down; 82% down or +$3,299/mo rent closes it.
- Break-even price
- $267,592
- Break-even rent
- $6,734/mo
- Cashflow at 35% down
- −$1,920/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
55% under asking
$3,299/mo above the estimate
$492,000 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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