5569 Old Ranch Rd.
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5569 Old Ranch Rd.

Ctop 80%

Oceanside, CA 92057Neighborhood: Guajome

$975,000
NEW — 2d
STR closed · inland Oceanside

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$4,196/mo full cashflow at 20% down, 7.43% rate.

Works at $428,611 (56% under asking), or at 82% down.

Rent $4,470/mo from 16 leases of 4-bed houses within 2 mi ($3,986–$4,432).

Beds

4

Baths

3

Sqft

1,764

Year Built

1988

Days on Market

2

Property Type

Single Family

HOA/mo

$150

MLS ID

260025152SD

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

About This Property

First time on the market in 20 years. Beautifully updated and move in ready! This spacious 4 bedroom, 3 full bath home has been extensively renovated, offering modern finishes, thoughtful upgrades, and a peaceful setting. The versatile floor plan includes a bedroom and full bathroom on the main level, ideal for guests, multigenerational living, or a home office. Enjoy a new kitchen featuring updated cabinetry, new countertops and brand new appliances. The beautifully remodeled bathrooms feature new tile, showers, vanities, and countertops. New flooring throughout, and fresh interior as well as exterior paint. Other major improvements include updated plumbing, a new roof, new driveway, and a tankless water heater. The garage features a sleek epoxy coated floor and even a new door. The new extended deck and freshly landscaped yard create inviting spaces for outdoor enjoyment. Ideally situated next to a spacious grassy park with a playground and greenbelt, this home offers a quiet, peaceful atmosphere while remaining conveniently close to everyday amenities. Shopping, dining, entertainment, Sprouts, Walmart, and a movie theater are all less than a mile away. With so many major improvements already completed, this home offers the perfect combination of comfort, convenience, and peace of mind!

Mortgage Calculator

Est. Monthly Payment

$6,826

Principal & Interest$5,417
Property Tax$975
Insurance$284
HOA$150
%($195,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Mission Meadows Elementary · grades K-5 · Vista Unified

  • Middle

    Roosevelt Middle · grades 6-8 · Vista Unified

  • High

    Vista High · grades 9-12 · Vista 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

26C
Est. Monthly Rent
$4,470

16 leases of 4-bed houses within 2 mi · $3,986–$4,432

Blended 50/50 with the zip's market median ($4,718)

Monthly Cashflow

Rent − PITIA

-$2,356
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,196

What would make this work?

$4,196/mo short at 20% down; 82% down or +$5,450/mo rent closes it.

Break-even price

56% under asking

$428,611
Break-even rent

$5,450/mo above the estimate

$9,920/mo
Cashflow at 35% down
−$3,181/mo
Down payment to break even

$799,500 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,417
Cap Rate
1.78%
Cash-on-Cash
-25.82%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$17,327
Price-to-Rent

Lower = better for investors

18.2

* Modelled at 20% down, 7.43% 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−$4,196/mo