76 Shirle Lane
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76 Shirle Lane

Atop 10%

Oceanside, CA 92058Neighborhood: San Luis Rey

$164,500
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.

Works at asking: +$408/mo full cashflow at 20% down, 7.36% rate.

Still breaks even up to $217,771 (32% above asking).

Rent $2,162/mo: zip market median for this bed count.

Beds

2

Baths

1

Sqft

720

Year Built

1971

Days on Market

50

Property Type

Mfd/Mobile Home

HOA/mo

N/A

MLS ID

ND26201438

This property is in Oceanside (92058). Browse neighborhood analytics →

About This Property

**NEW PRICE**GREAT HOME in Beautiful Oceanside**Come live in Mission View Manor-55+ Community**2 Bedroom and 1 Bath**Nice floor plan with plenty of room. This home has a newer roof and newer flooring. Great outdoor patio to enjoy the Southern California weather. Bathroom has a shower only and nice vanity. One of the bedrooms has mirror closet doors. Home is close to the clubhouse and pool area. This park is under rent control. The home is conveniently located near shopping, transportation and close to Oceanside Beach! Hurry...This home won't last long!!!

Mortgage Calculator

Est. Monthly Payment

$1,120

Principal & Interest$908
Property Tax$165
Insurance$48
%($32,900)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Nichols 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

100A
Est. Monthly Rent
$2,162

Zip market median for this bed count

Thin data: no closed leases like this one nearby.

Monthly Cashflow

Rent − PITIA

+$1,042
Full Cashflow

Incl. vacancy, PM, maint, capex

+$408

What would make this work?

Cashflows +$408/mo at 20% down with every reserve funded.

Break-even price

32% above asking

$217,771
Break-even rent

Estimated rent already clears it

$1,633/mo
Cashflow at 35% down
+$578/mo
Down payment to break even

$0 cash

0%
Rate to break even

at 20% down

11.62%

Mortgage (P+I)
$908
Cap Rate
10.38%
Cash-on-Cash
14.87%
DSCR
1.93

NOI (Annual)
$17,079
Price-to-Rent

Lower = better for investors

6.3

* 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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ACashflow+$408/mo