4780 Miletus WayOceansideCA92056
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder4780 Miletus Way, Oceanside, CA, 92056 in Oceanside is a solid income-producing rental, 7.76% gross yield, $4,690/mo rent, $205/mo net cash flow on a $725,000 buy. DSCR 1.44 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $200,304 and $6,677/yr in principal reduction project a total cumulative return of $288,111.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.1% |
| Monthly Cash Flow | $205 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,690 |
| Total Monthly Debt Service | $4,197 |
| DSCR Ratio | 1.12x |
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 1986
4,312 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
Single Family
Built in 1986
4,312 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: Sue Silva • Coldwell Banker Realty
Mls Name: SDMLS
Mls ID: #250041998