
5190 Via Malaguena
Ctop 80%Oceanside, CA 92057Neighborhood: North Valley
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$4,508
Comp Average
$4,631
327 Alamo Way
4bd / 2.5ba · 2,291 sqft · Single Family
$899K
Est. $4,531/mo
914 Tempera Court
4bd / 2.5ba · 2,077 sqft · Single Family
$899K
Est. $4,526/mo
5727 Dartmoor
4bd / 3ba · 2,136 sqft · Single Family
$1.00M
Est. $4,765/mo
801 Mosaic Cir
4bd / 3ba · 2,254 sqft · Single Family
$965K
Est. $4,684/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
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,553/mo short at 20% down; 83% down or +$5,913/mo rent closes it.
- Break-even price
- $454,273
- Break-even rent
- $10,421/mo
- Cashflow at 35% down
- −$3,467/mo
- Down payment to break even
- 83%
- Rate to break even
- Not reachable
57% under asking
$5,913/mo above the estimate
$871,500 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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