1 / 20

999 Pacific #B200

Dbottom 20%

Oceanside, CA 92054Neighborhood: Townsite

$999,999

NEW — 1d

STR: check · no permits in this complex · TOT 10%

67 licensed short-term rentals within ½ mile (67 whole home), from the cities' license and permit lists of Nov 2, 2026.

No unit in this 89-unit complex holds a short-term rental permit, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

The listing remarks say short-term rentals are allowed: “This turn-key 2 bed, 2 bath condo is being sold fully furnished, and short-term rentals are allowed.” That's the agent's claim, not the city’s rule.

Pass at asking: -$5,687/mo full cashflow at 20% down, 7.49% rate.

Works at $262,626 (74% under asking); even all cash loses money at asking.

Rent $3,930/mo from 14 leases of 1–3 bed condos & townhomes within 1 mi, same school area ($3,340–$4,251).

Beds

Baths

Sqft

1,040

Year Built

1981

Days on Market

Property Type

Condo

HOA/mo

$1,000

MLS ID

SW26234650

This property is in Oceanside (92054). View neighborhood stats →

About This Property

Steps from the sand at North Coast Village. This turn-key 2 bed, 2 bath condo is being sold fully furnished, and short-term rentals are allowed. It’s hard to find both in an oceanfront complex. You get a corner unit, balcony with an ocean view, and lots of natural light. The 24-hour guard gate gives you peace of mind and makes check-in easy for rental guests. Amenities include pools, spas, a gym, a putting green, ping pong and pool tables, a clubhouse, and BBQ areas, all set among lush landscaping and koi ponds. You can walk to the harbor, the pier, and downtown restaurants. Use it as a vacation rental, a second home, or a full-time residence. It’s ready to go on day one.

Mortgage Calculator

Est. Monthly Payment

$7,880

Principal & Interest$5,588

Property Tax$1,000

Insurance$292

HOA$1,000

Down Payment

%($200,000)

Interest Rate

Loan Term

Location

Loading map...

Zoned Schools

Elementary
Laurel Elementary · grades K-5 · Oceanside Unified
Middle
Lincoln 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.

Comparable Properties

5 comps found

This Property

$3,930

Comp Average

$3,799

2138 Via Robles

2bd / 2ba · 1,120 sqft · Condo

$619K

Est. $2,970/mo

999 Pacific

2bd / 2ba · 1,157 sqft · Condo

$1.20M

Est. $4,473/mo

1202 Pacific Street

2bd / 1.5ba · 911 sqft · Condo

$899K

Est. $3,667/mo

600 The Strand

2bd / 2ba · 1,039 sqft · Condo

$1.55M

Est. $4,249/mo

1202 Pacific Street

2bd / 2ba · 917 sqft · Condo

$1.17M

Est. $3,638/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$3,930

14 leases of 1–3 bed condos & townhomes within 1 mi, same school area · $3,340–$4,251

Blended 50/50 with the zip's market median ($4,172)

Monthly Cashflow

Rent − PITIA

-$3,950

Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,687

What would make this work?

$5,687/mo short at 20% down; +$7,386/mo rent closes it.

Break-even price: $262,626
Break-even rent: $11,316/mo
Cashflow at 35% down: −$4,640/mo
Down payment to break even: Not reachable
Rate to break even: Not reachable

Mortgage (P+I)

$5,588

Cap Rate

0.12%

Cash-on-Cash

-34.12%

DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)

$1,167

Price-to-Rent

Lower = better for investors

21.2

* Modelled at 20% down, 7.49% 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

DCashflow−$5,687/mo