Oceanside, CA · SAN DIEGO County County · 2026 Population: 188,345 · NMLS #2827624 · AZ CMB #CMB-2016143

Oceanside, California DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

California Statutory Disclosure:

Oceanside, CA Local Underwriting Snapshot (SAN DIEGO County County): With a 2026 population of 188,345, Oceanside carries an effective property tax rate of 0.8%, a median 1–4 unit investment property price of $835,000, and a median market rent of $5,500/mo. At 75% LTV ($626,250 loan amount), estimated monthly PITIA is $5,014/mo, yielding an estimated baseline DSCR of 1.10x. For 5–25+ unit apartment buildings in Oceanside, typical valuation averages $350,700/door with $2,950/mo/door market rents.

County & 2026 PopulationSAN DIEGO County County (188,345)

Effective Property Tax Rate0.8% ($557/mo)

Median 1–4 Unit Price & Rent$835,000 · $5,500/mo

5–25+ Unit Multifamily Avg$350,700/door · $2950/mo

CA Foreclosure & SecurityNon-Judicial (Deed of Trust — Civil Code §2924) (120–135 days)

Oceanside, CA Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $835,000·Loan/Door: $626,250·Avg Rent/Door: $5,500/mo

Property Value / Purchase Price$835,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$5,500/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 113 bps · 7500 bps LTV · 6625 bps Rate

1.13x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$626,25062,625,000 _cents

Monthly P&I Debt Service$4,010/mo@ 6.625% Note Rate

Total Monthly PITIA$4,859/moTax: $557 · Ins: $292

Net Monthly Cash Flow+$641/mo$7,694/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$4,859/mo	1.13x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$4,963/mo	1.11x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$4,502/mo	1.22x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Oceanside, CA Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Oceanside (SAN DIEGO County County, CA) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

California Statutory Security Instrument: Loans in Oceanside (SAN DIEGO County County) are secured via Deed of Trust (Power of Sale) under California's Non-Judicial (Deed of Trust — Civil Code §2924) framework (120–135 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..