999 Pacific Street #G222
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999 Pacific Street #G222

Ctop 80%

Oceanside, CA 92054Neighborhood: Townsite

$699,000
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 3, 2026.

No unit in this 81-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.

Pass at asking: -$3,999/mo full cashflow at 20% down, 7.49% rate.

Works at $180,473 (74% under asking); even all cash loses money at asking.

Rent $3,107/mo from 10 leases of studio–2 bed condos & townhomes within 1 mi ($2,672–$3,623).

Beds

1

Baths

1

Sqft

760

Year Built

1981

Days on Market

45

Property Type

Condo

HOA/mo

$1,000

MLS ID

PW26199146

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

About This Property

Turnkey and fully furnished, this one-bedroom, one-bathroom retreat sits on the second floor of the G building at North Coast Village, the oceanfront resort community set between the Oceanside Pier and the Harbor. A private covered balcony captures views of swaying palms and the community's lush, tropical grounds.The interior offers a seamless open layout, connecting the breakfast-bar kitchen and dining area to a living room anchored by a tile-surround fireplace. Ceiling fans keep the air moving throughout, while the bedroom features generous mirrored closets. The full bath offers both a tub and shower, and the home is move-in ready.Life here feels like a permanent vacation with direct beach access and an impressive array of amenities. Spend your afternoons lounging by one of the two heated pools and spas, practicing on the putting green, or wandering past serene koi ponds and waterfalls. The community also features a fitness center with saunas, billiards and game rooms, a recreation room, and dedicated barbecue areas. Convenience is built in with garage parking and 24-hour gated security.Whether you're looking for a coastal getaway, a second home, or a full-time residence by the water, you're just moments from the Thursday Sunset Market, the harbor's waterfront dining, and the eclectic shops of downtown Oceanside. With the beach strand and bike path right across the street, the best of the coast is at your doorstep.

Mortgage Calculator

Est. Monthly Payment

$5,809

Principal & Interest$3,906
Property Tax$699
Insurance$204
HOA$1,000
%($139,800)
%
Loan Term

Location

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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.

Investment Score

11C
Est. Monthly Rent
$3,107

10 leases of studio–2 bed condos & townhomes within 1 mi · $2,672–$3,623

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,702
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,999

What would make this work?

$3,999/mo short at 20% down; +$5,194/mo rent closes it.

Break-even price

74% under asking

$180,473
Break-even rent

$5,194/mo above the estimate

$8,301/mo
Cashflow at 35% down
−$3,267/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,906
Cap Rate
0.11%
Cash-on-Cash
-34.33%
DSCR

Need ≥ 1.25 for DSCR loan

0.53

NOI (Annual)
$747
Price-to-Rent

Lower = better for investors

18.7

* 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.

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CCashflow−$3,999/mo