819 Capistrano DrOceansideCA92058
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 819 Capistrano Dr, Oceanside, CA, 92058 in Oceanside is capital appreciation. Rental yield 5.64%. The 5.64% gross yield at $849,999 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $234,839 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.05) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $241,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.1% |
| Monthly Cash Flow | $(1,260) | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,998 |
| Total Monthly Debt Service | $4,920 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1954
0.25 Acres 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
Single Family
Built in 1954
0.25 Acres 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
Listed by: Bobejo Kelley • Keller Williams Premier Prop.
Mls Name: CRMLS
Mls ID: #IG26032173