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914 Tempera Court

Btop 30%

Oceanside, CA 92057Neighborhood: Ivey Ranch & Rancho Del Oro

$899,000

STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,527/mo full cashflow at 20% down, 7.36% rate.

Works at $437,384 (51% under asking), or at 77% down.

Rent $4,526/mo from 13 leases of 3–5 bed houses within 1 mi ($4,387–$5,105).

Beds

Baths

2.5

Sqft

2,077

Year Built

1993

Days on Market

Property Type

Single Family

HOA/mo

$142

MLS ID

NDP2609007

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

Virtual Tour

About This Property

Opportunity knocks! Fabulous cul-de-sac location in The Portraits neighborhood of Rancho del Oro! This 4br/2.5 bath home has all new exterior paint and termite clearance. The classic floorplan features all bedrooms upstairs, living room, dining room, family room and kitchen looking out to the backyard area. The lot is fully fenced with a large grassy lawn in the front and expansive concrete patio in the backyard. The air conditioning and heating systems are new! This property is east of College which is in the Vista Unified School District boundary: Vista High, Roosevelt Middle, and Alamosa Elementary. HOA fee covers common area playgrounds/parks.

Mortgage Calculator

Est. Monthly Payment

$6,263

Principal & Interest$4,960

Property Tax$899

Insurance$262

HOA$142

Down Payment

%($179,800)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Alamosa Park 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.

Comparable Properties

5 comps found

This Property

$4,526

Comp Average

$4,524

4499 Pebble Beach Drive

4bd / 3ba · 2,002 sqft · Single Family

$869K

Est. $4,121/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

5190 Via Malaguena

4bd / 2ba · 2,198 sqft · Single Family

$1.05M

Est. $4,508/mo

1647 Shire Ave

4bd / 2ba · 1,959 sqft · Single Family

$1.07M

Est. $4,544/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

38B

Est. Monthly Rent

$4,526

13 leases of 3–5 bed houses within 1 mi · $4,387–$5,105

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,737

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,527

What would make this work?

$3,527/mo short at 20% down; 77% down or +$4,581/mo rent closes it.

Break-even price: $437,384
Break-even rent: $9,107/mo
Cashflow at 35% down: −$2,597/mo
Down payment to break even: 77%
Rate to break even: Not reachable

Mortgage (P+I)

$4,960

Cap Rate

2.21%

Cash-on-Cash

-23.54%

DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)

$19,910

Price-to-Rent

Lower = better for investors

16.6

* 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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BCashflow−$3,527/mo