77 El Prado LnOceansideCA92058
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 77 El Prado Ln, Oceanside, CA, 92058 in Oceanside deserves attention. This $219,500 property earns $6,161/mo in rent, a 33.68% gross yield, and nets $4,803/mo after the $987/mo payment. DSCR 6.24 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $60,644 compounds alongside $2,022/yr in yearly equity build, for a total cumulative return of $392,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 33.7% | 5.1% |
| Monthly Cash Flow | $4,803 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,161 |
| Total Monthly Debt Service | $1,271 |
| DSCR Ratio | 4.85x |
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.
Manufactured
Built in 1968
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92058, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,152 (100%) |
| Owner Occupied HU | 4,350 (30.7%) |
| Renter Occupied HU | 8,246 (58.3%) |
| Vacant Housing Units | 1,556 (11.0%) |
| Median Home Value | $693,384 |
| Average Home Value | $725,133 |
Housing Distribution
Address Breakdown
Residential
14,572
Single Family
12,432
Multi-Family
2,140
Businesses
586
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
Manufactured
Built in 1968
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92058, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,152 (100%) |
| Owner Occupied HU | 4,350 (30.7%) |
| Renter Occupied HU | 8,246 (58.3%) |
| Vacant Housing Units | 1,556 (11.0%) |
| Median Home Value | $693,384 |
| Average Home Value | $725,133 |
Housing Distribution
Address Breakdown
Residential
14,572
Single Family
12,432
Multi-Family
2,140
Businesses
586
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices