4349 Harbor Way #5OceansideCA92056
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4349 Harbor Way #5, Oceanside, CA, 92056 in Oceanside deserves attention. This $819,900 property earns $7,200/mo in rent, a 10.54% gross yield, and nets $1,598/mo after the $3,687/mo payment. DSCR 1.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $226,523 compounds alongside $7,551/yr in yearly equity build, for a total cumulative return of $415,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.1% |
| Monthly Cash Flow | $1,598 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,200 |
| Total Monthly Debt Service | $5,276 |
| DSCR Ratio | 1.36x |
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 2019
N/A lot
$N/A/sqft
$336 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
Townhouse
Built in 2019
N/A lot
$N/A/sqft
$336 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