4302 Silver Spring WayOceansideCA92057
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4302 Silver Spring Way, Oceanside, CA, 92057 in Oceanside earns a 9.07% gross yield at $1,299,000. Rent of $9,816/mo nets $1,650/mo after the $5,841/mo mortgage. The 1.68 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $358,890 and $11,964/yr in equity accumulation project a total cumulative return of $599,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.1% |
| Monthly Cash Flow | $1,650 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,816 |
| Total Monthly Debt Service | $7,649 |
| DSCR Ratio | 1.28x |
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 2002
N/A lot
$N/A/sqft
$130 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 2002
N/A lot
$N/A/sqft
$130 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