4560 Avenida Privado
Ctop 80%Oceanside, CA 92057Neighborhood: Ivey Ranch & Rancho Del Oro
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: -$4,124/mo full cashflow at 20% down, 7.36% rate.
Works at $429,517 (56% under asking), or at 82% down.
Rent $4,647/mo from 11 leases of 4-bed houses within 1 mi ($4,491–$4,790).
Beds
4
Baths
3
Sqft
2,281
Year Built
1994
Days on Market
55
Property Type
Single Family
HOA/mo
$296
MLS ID
260022963SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to this beautifully refreshed home in the gated Versailles at Ivey Ranch community. It’s the floor plan that really makes this one work, with four bedrooms, three full bathrooms, two spacious living areas and a bedroom + full bath on first level. Soaring ceilings and abundant natural light give the home an open, airy feel, while updated lighting, refreshed bathrooms, fresh paint, polished finishes and newly revitalized landscaping make it feel clean, current and ready to enjoy. Step outside to a private patio + greenbelt backdrop, perfect for firing up the grill, pouring your beverage of choice and winding down at the end of the day. Even better, the community pool, spa, BBQ area + neighborhood park are just across the street. Need groceries, coffee or dinner? Old Grove Marketplace is just down the road with Ralphs, Lowe’s, Starbucks, Love Boat Sushi, Jersey Mike’s and plenty of everyday conveniences. Ivey Ranch Elementary is approximately 0.3 miles away and was recognized as a 2025 California Honor Roll School. There’s plenty happening nearby, too. Head toward El Corazon for the William A. Wagner Aquatic Center, trails, sports fields and Frontwave Arena for concerts + professional sports, or continue west for an easy drive to the beach and everything coastal Oceanside has to offer!
Mortgage Calculator
Est. Monthly Payment
$6,894
Location
Loading map...
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 foundThis Property
$4,647
Comp Average
$4,621
327 Alamo Way
4bd / 2.5ba · 2,291 sqft · Single Family
$899K
Est. $4,531/mo
801 Mosaic Cir
4bd / 3ba · 2,254 sqft · Single Family
$965K
Est. $4,684/mo
5727 Dartmoor
4bd / 3ba · 2,136 sqft · Single Family
$1.00M
Est. $4,765/mo
316 Spring Canyon Way
4bd / 2.5ba · 2,364 sqft · Single Family
$960K
Est. $4,615/mo
5190 Via Malaguena
4bd / 2ba · 2,198 sqft · Single Family
$1.05M
Est. $4,508/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 4-bed houses within 1 mi · $4,491–$4,790
Blended 50/50 with the zip's market median ($4,709)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,124/mo short at 20% down; 82% down or +$5,355/mo rent closes it.
- Break-even price
- $429,517
- Break-even rent
- $10,002/mo
- Cashflow at 35% down
- −$3,121/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
56% under asking
$5,355/mo above the estimate
$794,580 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