3625 Dearborn StOceansideCA92057
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 3625 Dearborn St, Oceanside, CA, 92057 in Oceanside clears it at 1.58, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.54%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $124,299; $4,144/yr in principal equity; total projected return: $197,535.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.1% |
| Monthly Cash Flow | $(18) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,202 |
| Total Monthly Debt Service | $2,604 |
| DSCR Ratio | 1.23x |
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 1975
1,759 sqft 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 1975
1,759 sqft 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: SDMLS
Mls ID: #260001852