78 El Prado Lane
1 / 20

78 El Prado Lane

Atop 10%

Oceanside, CA 92058Neighborhood: San Luis Rey

$219,000
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.

Pass at asking: -$9/mo full cashflow at 20% down, 7.36% rate.

Works at $217,771 (1% under asking), or at 21% down.

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

Beds

2

Baths

2

Sqft

1,152

Year Built

1968

Days on Market

172

Property Type

Mfd/Mobile Home

HOA/mo

N/A

MLS ID

PTP2603213

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

Virtual Tour

About This Property

This home is ready for a new owner! Move-in ready 2-bedroom, 2-bath home located in a well-maintained 55+/18+ community with low space rent of only $592/month. This home has been thoughtfully improved with new flooring, fresh interior paint, and a renovated kitchen featuring modern finishes that enhance the overall feel of the space. The functional layout offers comfortable everyday living with bright, open living areas and natural light throughout. The kitchen and main living spaces flow easily, creating a practical and inviting environment for both relaxing and entertaining. Residents enjoy access to a community pool and peaceful surroundings, all within close proximity to shopping, dining, and a short drive to the beach. A well-maintained and updated home offering affordability and comfort in a desirable rent-controlled community with low monthly carrying costs.

Mortgage Calculator

Est. Monthly Payment

$1,491

Principal & Interest$1,208
Property Tax$219
Insurance$64
%($43,800)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Louise Foussat Elementary · grades K-5 · Oceanside Unified

  • Middle

    Jefferson Middle · grades 6-8 · Oceanside Unified

  • High

    Oceanside 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

94A
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

+$671
Full Cashflow

Incl. vacancy, PM, maint, capex

-$9

What would make this work?

$9/mo short at 20% down; 21% down or +$12/mo rent closes it.

Break-even price

1% under asking

$217,771
Break-even rent

$12/mo above the estimate

$2,174/mo
Cashflow at 35% down
+$218/mo
Down payment to break even

$45,990 cash

21%
Rate to break even

at 20% down

7.28%

Mortgage (P+I)
$1,208
Cap Rate
7.16%
Cash-on-Cash
-0.25%
DSCR
1.45

NOI (Annual)
$15,688
Price-to-Rent

Lower = better for investors

8.4

* 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.

Open Full Calculator
ACashflow−$9/mo