4237 Half Moon Bay Way
Btop 30%Oceanside, CA 92058
Pass at asking: -$2,463/mo full cashflow at 20% down, 7.49% rate.
Works at $240,692 (57% under asking), or at 83% down.
Rent $3,203/mo from 9 leases of 2–4 bed condos & townhomes within 1 mi ($2,870–$3,077).
Beds
3
Baths
2
Sqft
1,147
Year Built
1984
Days on Market
—
Property Type
Condo
HOA/mo
$610
MLS ID
NDP2609969
This property is in Oceanside (92058). Browse neighborhood analytics →
About This Property
Skip the renovation projects. The updates are done. This freshly updated 3-bedroom, 2-bath townhome in Whelan Ranch brings together stylish finishes, a flexible layout, and your own 1-car garage. Fresh paint and new luxury vinyl flooring set the tone, while the kitchen features new quartzite countertops, a new sink, and updated appliances. New closet doors finish the refreshed look. The open living area gives you space to entertain, unwind, and make yourself at home. Three bedrooms give you choices: a dedicated home office, a welcoming guest room, or space for everyone to spread out. Spend an afternoon at the community pool and spa, enjoy the neighborhood playground and park, or head out to explore Oceanside’s beaches, cafés, and downtown. With convenient access to the beach, golf courses, Camp Pendleton and commuter routes, this home puts work, weekends, and everyday essentials within reach. Schedule your showing today.
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Est. Monthly Payment
$4,463
Location
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Comparable Properties
5 comps foundThis Property
$3,203
Comp Average
$2,906
4267 Arcata Bay
3bd / 2ba · 1,193 sqft · Condo
$500K
Est. $3,300/mo
835 Dana Point Way
2bd / 2ba · 1,104 sqft · Condo
$499K
Est. $2,753/mo
615 Fredricks Avenue
3bd / 2ba · 1,276 sqft · Condo
$465K
Est. $2,728/mo
631 Persimmon Way
2bd / 2ba · 1,154 sqft · Condo
$540K
Est. $2,941/mo
846 Dana Point Way
2bd / 1.5ba · 1,104 sqft · Condo
$533K
Est. $2,808/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 2–4 bed condos & townhomes within 1 mi · $2,870–$3,077
Blended 50/50 with the zip's market median ($3,513)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,463/mo short at 20% down; 83% down or +$3,198/mo rent closes it.
- Break-even price
- $240,692
- Break-even rent
- $6,401/mo
- Cashflow at 35% down
- −$1,876/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
57% under asking
$3,198/mo above the estimate
$464,800 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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