5190 Via Malaguena
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5190 Via Malaguena

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$1,050,000
NEW — 1d
STR closed · inland Oceanside

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$4,553/mo full cashflow at 20% down, 7.36% rate.

Works at $454,273 (57% under asking), or at 83% down.

Rent $4,508/mo from 8 leases of 3–5 bed houses within 0.5 mi ($3,990–$4,403).

Beds

4

Baths

2

Sqft

2,198

Year Built

1996

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2610224

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

Virtual Tour

About This Property

Welcome to Loma Del Rio! Discover the charm of single-story California living in this spacious 4-bedroom, 2-bath ranch-style home offering 2,198 square feet, a desirable 3-car garage, NO HOA, and an extraordinary outdoor entertaining retreat. With its versatile floor plan, generous living spaces, and established landscaping, this home offers comfort, character, and endless possibilities to make it your own. Thoughtful custom details include an elegant wood entry door with beveled glass sidelight, distressed wood flooring, plantation shutters, crown molding, decorative window casings, recessed lighting, ceiling fans, and beautiful beveled glass accents that capture natural light. The kitchen features a center island, quality appliances, and Fisher & Paykel double dishwashers. The real magic begins outdoors! Experience the ultimate Southern California indoor-outdoor lifestyle beneath an impressive, permitted 60' x 18' covered outdoor living area, designed for year-round entertaining. Complete with radiant heaters, an outdoor fireplace, ceiling fans, paver flooring, and WPC decking, this remarkable space is ideal for family gatherings, celebrations, and relaxed evenings at home. The exceptional outdoor kitchen is a chef's dream, featuring a 53-inch Viking gas grill, Viking oven, commercial-style wok burner, double gas burner, refrigerator, and utility sink. Beyond the patio, discover a truly special multi-level terraced garden, accessible by stairways on both sides of the deck. Explore an incredible collection of established fruit trees and edible landscaping, including mango, cherimoya, guava, oranges, tangerines, lemons, peaches, nectarines, dragon fruit, Buddha's hand citrus, apples, and more! Mature cactus, succulents, and thoughtfully designed garden terraces create a private backyard sanctuary unlike anything you've seen. Additional features include a paver driveway, oversized copper rain gutters, abundant storage, and a spacious three-car garage. And the location? Oceanside has become one of Southern California's most exciting coastal destinations! Discover a thriving culinary scene, acclaimed restaurants, craft breweries, charming coffee shops, beautiful beaches, the Oceanside Pier, and a vibrant downtown filled with shopping, entertainment, and coastal charm. Whether you're seeking single-level convenience, room for multigenerational gatherings, an entertainer's paradise, or your very own backyard orchard, this unique Loma Del Rio property delivers an exceptional Southern California lifestyle. Bring your personal vision and make this one-of-a-kind property your forever home!

Mortgage Calculator

Est. Monthly Payment

$7,149

Principal & Interest$5,793
Property Tax$1,050
Insurance$306
%($210,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Del Rio 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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

21C
Est. Monthly Rent
$4,508

8 leases of 3–5 bed houses within 0.5 mi · $3,990–$4,403

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

Monthly Cashflow

Rent − PITIA

-$2,641
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,553

What would make this work?

$4,553/mo short at 20% down; 83% down or +$5,913/mo rent closes it.

Break-even price

57% under asking

$454,273
Break-even rent

$5,913/mo above the estimate

$10,421/mo
Cashflow at 35% down
−$3,467/mo
Down payment to break even

$871,500 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,793
Cap Rate
1.67%
Cash-on-Cash
-26.02%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$17,587
Price-to-Rent

Lower = better for investors

19.4

* 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−$4,553/mo