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4434 Kittiwake
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4434 Kittiwake

Btop 30%

Oceanside, CA 92057Neighborhood: San Luis Rey

$540,000
STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,333/mo full cashflow at 20% down, 7.36% rate.

Works at $234,739 (57% under asking), or at 83% down.

Rent $2,898/mo from 11 leases of 1–3 bed condos & townhomes within 1 mi ($2,784–$3,165).

Beds

2

Baths

2

Sqft

1,050

Year Built

1980

Days on Market

51

Property Type

Condo

HOA/mo

$438

MLS ID

260023129SD

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

Lovingly maintained, clean, and move-in ready, this 2-bedroom, 2-full-bathroom home features: New Milgard windows, new window treatments with blinds, new appliances, updated flooring, refreshed bathrooms, fresh interior paint, a water-flow auto-shutoff valve, and a recently redone roof & gutters with new skylights. Exterior paint is expected to be completed by year-end. This peaceful home is ready to make your own. HOA fees include water, trash, sewer, basic cable, & pool.

Mortgage Calculator

Est. Monthly Payment

$4,115

Principal & Interest$2,979
Property Tax$540
Insurance$157
HOA$438
%($108,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Ivey Ranch 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.

Comparable Properties

5 comps found

This Property

$2,898

vs

Comp Average

$2,926

3720 Mount Vernon Avenue

3720 Mount Vernon Avenue

2bd / 2ba · 1,059 sqft · Condo

$415K

Est. $2,978/mo

3685 Vista Campana

3685 Vista Campana

2bd / 2ba · 1,028 sqft · Condo

$495K

Est. $2,925/mo

4411 Kittiwake Way

4411 Kittiwake Way

2bd / 2ba · 1,064 sqft · Condo

$529K

Est. $2,913/mo

4432 Skimmer Way

4432 Skimmer Way

2bd / 2ba · 1,092 sqft · Condo

$579K

Est. $3,014/mo

3615 Vista Bella

3615 Vista Bella

2bd / 2ba · 1,028 sqft · Condo

$530K

Est. $2,799/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

44B
Est. Monthly Rent
$2,898

11 leases of 1–3 bed condos & townhomes within 1 mi · $2,784–$3,165

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,216
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,333

What would make this work?

$2,333/mo short at 20% down; 83% down or +$3,030/mo rent closes it.

Break-even price

57% under asking

$234,739
Break-even rent

$3,030/mo above the estimate

$5,928/mo
Cashflow at 35% down
−$1,774/mo
Down payment to break even

$448,200 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$2,979
Cap Rate
1.76%
Cash-on-Cash
-25.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.70
NOI (Annual)
$9,496
Price-to-Rent

Lower = better for investors

15.5

* 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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BCashflow−$2,333/mo