3865 Bay Leaf WayOceansideCA92057
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt 1.57, 3865 Bay Leaf Way, Oceanside, CA, 92057 in Oceanside sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 7.51%. The 7.51% yield is backed by 5% annual appreciation projecting $117,420 in value gain, plus $3,914/yr in principal reduction. Total projected cumulative return: $158,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.1% |
| Monthly Cash Flow | $(400) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,998 |
| Total Monthly Debt Service | $2,895 |
| 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.
Single Family
Built in 1975
1,742 sqft lot
$N/A/sqft
$435 monthly 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
1,742 sqft lot
$N/A/sqft
$435 monthly 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: Jeannine Savory • The Agency
Mls Name: SDMLS
Mls Provider:
Mls ID: #250027052
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