3761 Southridge WayOceansideCA92056
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 3761 Southridge Way, Oceanside, CA, 92056 in Oceanside is listed at $1,225,000 and delivers $7,912/mo in rent and $209/mo in net monthly cash flow. The 7.75% yield and 1.44 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $338,445 over five years, and $11,282/yr in principal reduction supplements cash return. Total projected cumulative return: $478,494.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.1% |
| Monthly Cash Flow | $209 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,912 |
| Total Monthly Debt Service | $7,216 |
| 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 1997
6,300 sqft lot
$N/A/sqft
$125 monthly 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
Single Family
Built in 1997
6,300 sqft lot
$N/A/sqft
$125 monthly 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