276 N El Camino Real SPC 138OceansideCA92058
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 276 N El Camino Real SPC 138, Oceanside, CA, 92058 in Oceanside. Priced at $375,000, it generates $4,613/mo in gross rent and $2,293/mo in net monthly cash flow, a 14.76% yield that comfortably supports the 2.74 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $27,516. Five-year appreciation: $103,606. Equity from principal paydown: $3,454/yr. Total projected cumulative return: $289,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.8% | 5.1% |
| Monthly Cash Flow | $2,293 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,613 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 2.13x |
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92058, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,152 (100%) |
| Owner Occupied HU | 4,350 (30.7%) |
| Renter Occupied HU | 8,246 (58.3%) |
| Vacant Housing Units | 1,556 (11.0%) |
| Median Home Value | $693,384 |
| Average Home Value | $725,133 |
Housing Distribution
Address Breakdown
Residential
14,572
Single Family
12,432
Multi-Family
2,140
Businesses
586
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92058, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,152 (100%) |
| Owner Occupied HU | 4,350 (30.7%) |
| Renter Occupied HU | 8,246 (58.3%) |
| Vacant Housing Units | 1,556 (11.0%) |
| Median Home Value | $693,384 |
| Average Home Value | $725,133 |
Housing Distribution
Address Breakdown
Residential
14,572
Single Family
12,432
Multi-Family
2,140
Businesses
586
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices