3501 Redwood StOceansideCA92058
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.62% yield at 3501 Redwood St, Oceanside, CA, 92058 in Oceanside is solid, but the $3,148/mo payment compresses net cash flow to $114/mo at $700,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $193,397 by year five, and $6,447/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $272,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.1% |
| Monthly Cash Flow | $114 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,445 |
| Total Monthly Debt Service | $4,052 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 1980
6,602 sqft 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
Single Family
Built in 1980
6,602 sqft 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
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A