825 Harbor Cliff Way UNIT 261OceansideCA92054
INVESTMENT ANALYSIS
Investment Verdict
Solid Income825 Harbor Cliff Way UNIT 261, Oceanside, CA, 92054 in Oceanside is a solid income-producing rental, 9.09% gross yield, $5,868/mo rent, $649/mo net cash flow on a $775,000 buy. DSCR 1.68 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $214,118 and $7,138/yr in principal reduction project a total cumulative return of $337,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.1% |
| Monthly Cash Flow | $649 | $1,200 |
City averages based on Oceanside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,868 |
| Total Monthly Debt Service | $4,911 |
| DSCR Ratio | 1.19x |
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.
Condo
Built in 2005
4.97 Acres lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92054, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,527 (100%) |
| Owner Occupied HU | 6,354 (34.3%) |
| Renter Occupied HU | 9,312 (50.3%) |
| Vacant Housing Units | 2,861 (15.4%) |
| Median Home Value | $945,467 |
| Average Home Value | $1,045,752 |
Housing Distribution
Address Breakdown
Residential
16,821
Single Family
11,982
Multi-Family
4,839
Businesses
1,482
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
Condo
Built in 2005
4.97 Acres lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92054, Oceanside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,527 (100%) |
| Owner Occupied HU | 6,354 (34.3%) |
| Renter Occupied HU | 9,312 (50.3%) |
| Vacant Housing Units | 2,861 (15.4%) |
| Median Home Value | $945,467 |
| Average Home Value | $1,045,752 |
Housing Distribution
Address Breakdown
Residential
16,821
Single Family
11,982
Multi-Family
4,839
Businesses
1,482
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices