513 Calle Montecito #64
Btop 30%Oceanside, CA 92057Neighborhood: North Valley
3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$1,716/mo full cashflow at 20% down, 7.36% rate.
Works at $175,523 (56% under asking), or at 83% down.
Rent $2,547/mo from 12 leases of 2-bed condos & townhomes within 1 mi ($2,406–$2,733).
Beds
2
Baths
2
Sqft
856
Year Built
1985
Days on Market
86
Property Type
Condo
HOA/mo
$620
MLS ID
PTP2606314
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Experience comfort and convenience in this charming 2-bedroom, 2-bath Lakeshore Villas condo near Camp Pendleton. This second-floor unit features a spacious balcony with side-by-side washer and dryer, plus covered parking and ample guest parking. The community offers a pool and spa, with HOA dues covering water, sewer, trash, exterior maintenance, and more. Located next to Libby Lake Park and minutes from shopping, schools, Oceanside Harbor, and North County beaches. VA-approved and priced to sell—perfect for a first-time buyer or investment!
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Est. Monthly Payment
$3,344
Location
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Zoned Schools
Elementary
Libby 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 foundThis Property
$2,547
Comp Average
$2,598
509 Calle Montecito
2bd / 1ba · 806 sqft · Condo
$350K
Est. $2,708/mo
510 Calle Montecito
2bd / 1ba · 806 sqft · Condo
$359K
Est. $2,483/mo
Oceanside
2bd / 2ba · 856 sqft · Condo
$417K
Est. $2,746/mo
502 Calle Montecito
2bd / 2ba · 856 sqft · Condo
$414K
Est. $2,547/mo
505 Calle Montecito
2bd / 2ba · 856 sqft · Condo
$425K
Est. $2,507/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 2-bed condos & townhomes within 1 mi · $2,406–$2,733
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,716/mo short at 20% down; 83% down or +$2,229/mo rent closes it.
- Break-even price
- $175,523
- Break-even rent
- $4,776/mo
- Cashflow at 35% down
- −$1,302/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
56% under asking
$2,229/mo above the estimate
$331,999 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.
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