4317 Mirage Lane
Btop 30%Oceanside, CA 92056Neighborhood: Lake
2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,784/mo full cashflow at 20% down, 7.36% rate.
Works at $344,635 (51% under asking), or at 77% down.
Rent $4,038/mo from 12 leases of 3-bed houses within 2 mi ($3,509–$4,294).
Beds
3
Baths
2
Sqft
1,461
Year Built
1978
Days on Market
2
Property Type
Single Family
HOA/mo
$475
MLS ID
OC26230638
This property is in Oceanside (92056). View neighborhood stats →
About This Property
PHOTOS COMING SOON. Light and bright Pacifica living! This charming detached home is move in ready and offers comfort and convenience in the highly sought after 55+ community. This larger floorpan is great for relaxation or entertaining. West facing yard with no neighbors behind allows natural light to permeate the living areas. Living room with vaulted ceilings and large windows add to the spacious and open feel. Gas fireplace with brick hearth makes occasions feel memorable. Large primary bedroom with generous closet and remodeled walk in shower. Versatile 3rd bedroom (no closet currently) offers flex space for office, den, etc. Sliding door off the kitchen and dining areas to seamlessly connect to the private patio and take the gathering outside. Luxury vinyl plank and tile flooring throughout. In addition to common area maintenance, the HOA also cover exterior painting, roof upkeep, and front yard landscaping for easy living. Very close to the outstanding amenities Pacifica boasts like a heated pool, spa, tennis/pickleball courts, , shuffleboard, and a well appointed clubhouse with billiards, card room, library, and fully equipped kitchen. There’s walking trails, a beautiful park with mature trees, and a BBQ/picnic area where many social actives are hosted. Close to everything, and close to the coast!
Mortgage Calculator
Est. Monthly Payment
$5,303
Location
Loading map...
Zoned Schools
Elementary
Breeze Hill Elementary · grades K-5 · Vista Unified
Middle
Madison Middle · grades 6-8 · Vista Unified
High
Rancho Buena Vista High · grades 9-12 · Vista 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
$4,038
Comp Average
$3,911
3732 Roselle
3bd / 2ba · 1,423 sqft · Single Family
$680K
Est. $4,019/mo
3147 Camino Crest Drive
3bd / 2ba · 1,500 sqft · Single Family
$829K
Est. $4,292/mo
4247 Esperanza Way
3bd / 2.5ba · 1,486 sqft · Single Family
$779K
Est. $3,733/mo
1587 Avenida Oceano
3bd / 2ba · 1,494 sqft · Single Family
$809K
Est. $3,755/mo
1376 Darwin Drive
3bd / 2.5ba · 1,450 sqft · Single Family
$845K
Est. $3,754/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
12 leases of 3-bed houses within 2 mi · $3,509–$4,294
Blended 50/50 with the zip's market median ($4,185)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,784/mo short at 20% down; 77% down or +$3,616/mo rent closes it.
- Break-even price
- $344,635
- Break-even rent
- $7,654/mo
- Cashflow at 35% down
- −$2,051/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$3,616/mo above the estimate
$545,930 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.
Open Full Calculator