278 Hadley WayOceansideCA92057
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 278 Hadley Way, Oceanside, CA, 92057 in Oceanside fits: $1,437,300, 3.07% gross yield, and a projected 5% annual appreciation rate adding $397,099 in value within five years. Rental yield 3.07%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.57) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,238/yr in principal paydown and $397,099 in appreciation project a total return of $209,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.1% |
| Monthly Cash Flow | $(5,210) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,682 |
| Total Monthly Debt Service | $8,320 |
| DSCR Ratio | 0.44x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92057, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,327 (100%) |
| Owner Occupied HU | 13,437 (66.1%) |
| Renter Occupied HU | 6,049 (29.8%) |
| Vacant Housing Units | 841 ( 4.1%) |
| Median Home Value | $787,909 |
| Average Home Value | $801,460 |
Housing Distribution
Address Breakdown
Residential
19,670
Single Family
18,356
Multi-Family
1,314
Businesses
237
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92057, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,327 (100%) |
| Owner Occupied HU | 13,437 (66.1%) |
| Renter Occupied HU | 6,049 (29.8%) |
| Vacant Housing Units | 841 ( 4.1%) |
| Median Home Value | $787,909 |
| Average Home Value | $801,460 |
Housing Distribution
Address Breakdown
Residential
19,670
Single Family
18,356
Multi-Family
1,314
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A