Investment Property Details
Oceanside, San Diego County median: $850,000
Down payment: $212,500 | Loan: $637,500
Oceanside, San Diego County median rent: $2,600/mo
Oceanside, San Diego County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,600/mo
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $9,350
Your DSCR Ratio
0.48
Below break-even — rent does not cover PITIA
Monthly Rent
$2,600
Monthly PITIA
$5,370
Required Rent by DSCR Threshold
Required Rent
$5,370/mo
vs Your Rent
-$2,770
Required Rent
$6,713/mo
vs Your Rent
-$4,113
Oceanside, San Diego County Median Rent Comparison
The median rent in Oceanside, San Diego County, California is $2,600/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.48
Calculations are estimates for educational purposes only. Actual DSCR requirements vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Oceanside, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Oceanside, the median rent is $2,600/mo and the median home value is $850,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Oceanside for 2026?
The 2026 median rent in Oceanside, San Diego County is $2,600 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in Oceanside?
The average effective property tax rate in Oceanside is 1.10%. On an investment property valued at $850,000, that's approximately $9,350 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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