4436 Point Vicente
Ctop 80%Oceanside, CA 92058Neighborhood: North Valley
1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 5, 2026.
Pass at asking: -$3,682/mo full cashflow at 20% down, 7.49% rate.
Works at $351,552 (58% under asking), or at 84% down.
Rent $3,691/mo from 8 leases of 3-bed houses within 2 mi ($3,405–$3,745).
Beds
3
Baths
2
Sqft
1,260
Year Built
1981
Days on Market
0
Property Type
Single Family
HOA/mo
$130
MLS ID
NDP2610026
This property is in Oceanside (92058). Browse neighborhood analytics →
About This Property
Situated on a sizeable lot in the desirable Whelan Ranch community of Oceanside, this beautifully maintained single-story home offers 3 bedrooms, 2 bathrooms and all the updates buyers are looking for. Major improvements include new dual-pane windows (2024), new A/C (2024), fresh paint throughout, upgraded appliances and an extended driveway for additional parking. Vaulted ceilings and recessed lighting create a bright and open living space, while a cozy fireplace adds warmth and character. Custom roller shades throughout and ceiling fans in the bedrooms provide added comfort. Outside, the meticulously maintained landscaping creates beautiful curb appeal and a spacious backyard perfect for entertaining or relaxing. Residents enjoy access to the Whelan Ranch community pool and a convenient location near golf courses, shopping and dining.
Mortgage Calculator
Est. Monthly Payment
$5,833
Location
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Zoned Schools
Elementary
Louise Foussat 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 foundThis Property
$3,691
Comp Average
$4,000
1421 Puls Street
3bd / 1ba · 864 sqft · Single Family
$750K
Est. $3,500/mo
3960 Baja
4bd / 2ba · 1,776 sqft · Single Family
$949K
Est. $4,183/mo
3444 Meadow View Drive
5bd / 3ba · 1,786 sqft · Single Family
$1000K
Est. $4,516/mo
3325 Ricewood Drive
3bd / 2.5ba · 1,725 sqft · Single Family
$945K
Est. $4,020/mo
1420 San Simeon Street
4bd / 3ba · 1,190 sqft · Single Family
$1.10M
Est. $3,782/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
8 leases of 3-bed houses within 2 mi · $3,405–$3,745
Blended 50/50 with the zip's market median ($3,924)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,682/mo short at 20% down; 84% down or +$4,782/mo rent closes it.
- Break-even price
- $351,552
- Break-even rent
- $8,473/mo
- Cashflow at 35% down
- −$2,814/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
58% under asking
$4,782/mo above the estimate
$696,360 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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