4134 Vela Way
Ctop 80%Oceanside, CA 92057Neighborhood: San Luis Rey
1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$3,451/mo full cashflow at 20% down, 7.36% rate.
Works at $366,481 (55% under asking), or at 82% down.
Rent $3,992/mo from 11 leases of 3–5 bed condos & townhomes within 2 mi ($3,672–$4,110).
Beds
4
Baths
3
Sqft
1,826
Year Built
2021
Days on Market
153
Property Type
Townhouse
HOA/mo
$273
MLS ID
260014366SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to Mission Lane! Spacious and beautifully designed with 4 bedrooms, 3 baths and a generous upstairs loft perfect for home office or additional living space. Located in the highly sought after Mission Lane Community. This large floor plan offers exceptional flexibility and comfort, featuring a convenient downstairs bedroom and full bath perfect for guests, multi-generational living or home office. This fabulous home also is equipped with a whole house water filtration system. The primary suite features large closet space and scenic mountain top views! Situated in one of the better locations within the community, this property offers added privacy with no neighbors on one side. Mission Lane offers year-round heated pool, barbecuing area, tot-lot, and more all with low HOA fees and no Mello Roos. Mission Lane is known for its family friendly atmosphere and well-maintained surroundings, making it an ideal place to call home!
Mortgage Calculator
Est. Monthly Payment
$5,843
Location
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Zoned Schools
Elementary
Nichols Elementary · grades K-5 · Oceanside Unified
Middle
Cesar Chavez 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
$3,992
Comp Average
$3,920
555 Toledo Way
4bd / 4ba · 1,765 sqft · Townhouse
$759K
Est. $3,986/mo
4248 Mission Ranch Way
3bd / 3ba · 1,548 sqft · Townhouse
$755K
Est. $3,658/mo
4720 Tobar Way
4bd / 4ba · 1,765 sqft · Townhouse
$802K
Est. $3,986/mo
4725 Merida Way
4bd / 4ba · 1,765 sqft · Townhouse
$799K
Est. $3,986/mo
4730 Tobar Way
4bd / 4ba · 1,765 sqft · Townhouse
$799K
Est. $3,986/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
11 leases of 3–5 bed condos & townhomes within 2 mi · $3,672–$4,110
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,451/mo short at 20% down; 82% down or +$4,482/mo rent closes it.
- Break-even price
- $366,481
- Break-even rent
- $8,474/mo
- Cashflow at 35% down
- −$2,605/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
55% under asking
$4,482/mo above the estimate
$670,760 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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