1530 Stewart StOceansideCA92054
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1530 Stewart St, Oceanside, CA, 92054 in Oceanside is capital appreciation. Rental yield 3.66%. The 3.66% gross yield at $1,899,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $524,659 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.68) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $336,770.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 5.1% |
| Monthly Cash Flow | $(5,956) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,791 |
| Total Monthly Debt Service | $10,992 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1961
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92054, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,527 (100%) |
| Owner Occupied HU | 6,354 (34.3%) |
| Renter Occupied HU | 9,312 (50.3%) |
| Vacant Housing Units | 2,861 (15.4%) |
| Median Home Value | $945,467 |
| Average Home Value | $1,045,752 |
Housing Distribution
Address Breakdown
Residential
16,821
Single Family
11,982
Multi-Family
4,839
Businesses
1,482
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
Single Family
Built in 1961
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92054, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,527 (100%) |
| Owner Occupied HU | 6,354 (34.3%) |
| Renter Occupied HU | 9,312 (50.3%) |
| Vacant Housing Units | 2,861 (15.4%) |
| Median Home Value | $945,467 |
| Average Home Value | $1,045,752 |
Housing Distribution
Address Breakdown
Residential
16,821
Single Family
11,982
Multi-Family
4,839
Businesses
1,482
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristi Burningham • Coastal Premier Properties
Mls Name: CRMLS
Mls ID: #NDP2505496