120 Brookside LnOceansideCA92056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 120 Brookside Ln, Oceanside, CA, 92056 in Oceanside at $333,333 earns $3,253/mo in rent and nets $168/mo after the $1,499/mo payment, a 8.01% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $92,094 over five years. Ziffy Mortgage underwrites this on a 2.17 DSCR without U.S. credit history. With $3,070/yr in principal paydown, total projected return reaches $203,058.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.1% |
| Monthly Cash Flow | $168 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,253 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 1.69x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2003
33.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92056, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,842 (100%) |
| Owner Occupied HU | 13,528 (61.9%) |
| Renter Occupied HU | 7,257 (33.2%) |
| Vacant Housing Units | 1,057 ( 4.8%) |
| Median Home Value | $801,946 |
| Average Home Value | $839,820 |
Housing Distribution
Address Breakdown
Residential
21,082
Single Family
18,342
Multi-Family
2,740
Businesses
1,107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 2003
33.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92056, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,842 (100%) |
| Owner Occupied HU | 13,528 (61.9%) |
| Renter Occupied HU | 7,257 (33.2%) |
| Vacant Housing Units | 1,057 ( 4.8%) |
| Median Home Value | $801,946 |
| Average Home Value | $839,820 |
Housing Distribution
Address Breakdown
Residential
21,082
Single Family
18,342
Multi-Family
2,740
Businesses
1,107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy Brown • Brush Real Estate Services Inc
Mls Name: CRMLS
Mls ID: #NDP2600721