3577 Guava WayOceansideCA92058
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 3577 Guava Way, Oceanside, CA, 92058 in Oceanside is a conservative rental investment at $708,000. Rental yield 7%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $195,607; $6,521/yr in principal paydown supplements. Total projected return: $215,653.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.1% |
| Monthly Cash Flow | $(861) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,130 |
| Total Monthly Debt Service | $4,710 |
| DSCR Ratio | 0.88x |
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.
Condo
Built in 1983
N/A lot
$N/A/sqft
$612 monthly 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
Condo
Built in 1983
N/A lot
$N/A/sqft
$612 monthly 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: Jazzous Anderson • Goat & Dime
Mls Name: SDMLS
Mls Provider:
Mls ID: #250023471
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