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5105 Mendip

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$932,000

STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,733/mo full cashflow at 20% down, 7.36% rate.

Works at $443,542 (52% under asking), or at 79% down.

Rent $4,564/mo from 10 leases of 3–5 bed houses within 0.5 mi ($4,158–$4,573).

Beds

Baths

2.5

Sqft

2,394

Year Built

2004

Days on Market

Property Type

Single Family

HOA/mo

$125

MLS ID

260020201SD

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

Virtual Tour

About This Property

5105 Mendip St is a two-story Oceanside single family home set on a cul-de-sac lot. The kitchen wraps around a peninsula with wood cabinetry, a tiled backsplash, generous stone counter space, and stainless steel appliances, opening to living and dining areas finished with tile and wood-look flooring. A fireplace with built-in shelving anchors the main living room, adding warmth and everyday function. Upstairs, the primary bedroom connects to a full bathroom with a soaking tub, a separate walk-in shower, and a dual-sink vanity, while additional bedrooms share full and half bathrooms. A dedicated laundry room and owned solar panels add day-to-day efficiency, and the backyard gives room for outdoor use. An attached two-car garage completes this well-maintained residence with practical amenities throughout.

Mortgage Calculator

Est. Monthly Payment

$6,471

Principal & Interest$5,142

Property Tax$932

Insurance$272

HOA$125

Down Payment

%($186,400)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Del Rio Elementary · grades K-5 · Oceanside Unified
Middle
Cesar Chavez 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

$4,564

Comp Average

$4,639

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

316 Spring Canyon Way

4bd / 2.5ba · 2,364 sqft · Single Family

$960K

Est. $4,615/mo

4591 Coronado Drive

4bd / 3ba · 2,522 sqft · Single Family

$1000K

Est. $4,719/mo

4560 Avenida Privado

4bd / 3ba · 2,281 sqft · Single Family

$969K

Est. $4,647/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

34C

Est. Monthly Rent

$4,564

10 leases of 3–5 bed houses within 0.5 mi · $4,158–$4,573

Blended 50/50 with the zip's market median ($4,709)

Monthly Cashflow

Rent − PITIA

-$1,907

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,733

What would make this work?

$3,733/mo short at 20% down; 79% down or +$4,849/mo rent closes it.

Break-even price: $443,542
Break-even rent: $9,413/mo
Cashflow at 35% down: −$2,769/mo
Down payment to break even: 79%
Rate to break even: Not reachable

Mortgage (P+I)

$5,142

Cap Rate

2.11%

Cash-on-Cash

-24.04%

DSCR

Need ≥ 1.25 for DSCR loan

0.71

NOI (Annual)

$19,642

Price-to-Rent

Lower = better for investors

17.0

* 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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CCashflow−$3,733/mo