3686 Harvard DrOceansideCA92056
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder3686 Harvard Dr, Oceanside, CA, 92056 in Oceanside is a stable, well-positioned rental at $699,000. Rental yield 7.21%. DSCR 1.34 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $193,121 in value and $6,438/yr in principal paydown builds equity, a total projected return of $257,037.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.1% |
| Monthly Cash Flow | $(125) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,199 |
| Total Monthly Debt Service | $4,046 |
| DSCR Ratio | 1.04x |
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.
Townhouse
Built in 1975
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92056, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,842 (100%) |
| Owner Occupied HU | 13,528 (61.9%) |
| Renter Occupied HU | 7,257 (33.2%) |
| Vacant Housing Units | 1,057 ( 4.8%) |
| Median Home Value | $801,946 |
| Average Home Value | $839,820 |
Housing Distribution
Address Breakdown
Residential
21,082
Single Family
18,342
Multi-Family
2,740
Businesses
1,107
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
Townhouse
Built in 1975
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92056, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,842 (100%) |
| Owner Occupied HU | 13,528 (61.9%) |
| Renter Occupied HU | 7,257 (33.2%) |
| Vacant Housing Units | 1,057 ( 4.8%) |
| Median Home Value | $801,946 |
| Average Home Value | $839,820 |
Housing Distribution
Address Breakdown
Residential
21,082
Single Family
18,342
Multi-Family
2,740
Businesses
1,107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zachary Cummins • LPT Realty
Mls Name: CRMLS
Mls ID: #NDP2510541