3916 Bedford

3916 Bedford

Ctop 80%

Oceanside, CA 92056Neighborhood: Mira Costa

$974,999
STR closed · inland Oceanside

7 licensed short-term rentals within ½ mile (7 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$4,192/mo full cashflow at 20% down, 7.43% rate.

Works at $429,216 (56% under asking), or at 82% down.

Rent $4,281/mo from 11 leases of 3–5 bed houses within 1 mi ($3,710–$4,190).

Beds

4

Baths

2

Sqft

1,464

Year Built

1973

Days on Market

—

Property Type

Single Family

HOA/mo

N/A

MLS ID

OC26234419

This property is in Oceanside (92056). View neighborhood stats →

About This Property

*More photos to come* Welcome to Your Single-Level Retreat with Mountain Views! Step into this inviting 4-bedroom, 2-bathroom single-story home, where an open floor plan creates an effortless flow for everyday living and entertaining. Tile and laminate flooring run throughout, and a cozy fireplace anchors the living room, setting the scene for relaxed evenings at home. The kitchen is full of warmth and character, with rich wood cabinetry and plenty of storage. Down the hall, the primary suite offers French doors that open directly to the backyard, along with a spacious walk-in shower with grab bar for added safety and convenience. Step outside to take in sweeping mountain and neighborhood views and watch stunning sunsets from your own private outdoor space. Whether you're enjoying your morning coffee or unwinding at the end of the day, it's the perfect setting to take in the stunning sunsets. Additional highlights include dual-pane windows for year-round comfort and a two-car garage, plus a spacious driveway offering additional parking. With its desirable single-level layout, inviting living spaces, and scenic backyard setting, this home is one you won't want to miss.

Mortgage Calculator

Est. Monthly Payment

$6,676

Principal & Interest$5,417
Property Tax$975
Insurance$284
%($195,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Christa McAuliffe Elementary · 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.

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

Investment Score

26C
Est. Monthly Rent
$4,281

11 leases of 3–5 bed houses within 1 mi · $3,710–$4,190

Blended 50/50 with the zip's market median ($4,584)

Monthly Cashflow

Rent − PITIA

-$2,395
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,192

What would make this work?

$4,192/mo short at 20% down; 82% down or +$5,444/mo rent closes it.

Break-even price

56% under asking

$429,216
Break-even rent

$5,444/mo above the estimate

$9,725/mo
Cashflow at 35% down
−$3,176/mo
Down payment to break even

$799,499 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,417
Cap Rate
1.77%
Cash-on-Cash
-25.79%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$17,267
Price-to-Rent

Lower = better for investors

19.0

* Modelled at 20% down, 7.43% 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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CCashflow−$4,192/mo