4081 Thomas Street

4081 Thomas Street

D

Oceanside, CA 92056

$815,000
NEW — 2d on market

Soft Appraisal Value: $819,800 · 0.6% below estimate

Beds

3

Baths

2

Sqft

1,108

Year Built

1968

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2602337

Description

Single-level home situated on a large, private lot on a quiet street in Oceanside! This 3 bed, 2 bath home with a 2-car garage sits set back from the street, giving privacy and features an open layout with good natural light throughout. Fully fenced, low maintenance backyard is perfect for both relaxing and entertaining. Large entertainers kitchen features stainless steel appliances, granite counters and large peninsula for hosting. Updates include newer central A/C, interior and exterior paint, a front vinyl gate, newer concrete patios, turf and landscaping, updated LVP flooring through the main areas a finished garage, French doors to the backyard, a built-in BBQ, and a newly poured driveway. Located approximately 15 minutes to the beach and close to freeway access and shopping makes this one of the best spots in Oceanside. Clean, updated, and ready for someone to move right in!

Mortgage Calculator

Est. Monthly Payment

$5,174

Principal & Interest$4,121
Property Tax$815
Insurance$238
%($163,000)
%

Investment Score

3D
Est. Monthly Rent
$3,229
Monthly Cashflow

Rent − PITI − HOA

$-1,945
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,367

Mortgage (P+I)
$4,121
Cap Rate
1.11%
Cash-on-Cash
-24.79%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.62
Break-even Rent
$7,602

NOI (Annual)
$9,050
Price-to-Rent

Lower = better for investors

21.0

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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