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34808 Birch
D Composite 42.35
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +13.1/30.0
  • ARV discount +12.3/15.0
  • DSCR +3.9/10.0
  • 1% rule +3.6/10.0
  • Rent growth +3.1/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.4/10.0
  • Appreciation +0.0/10.0

$196,000

34808 Birch · Lenwood, CA 92311
3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 124 Days on market
Built 1957 0.26 ac lot $186/sqft · 11% below area Est $219k · 11% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!

Key facts

  • Large back yard
  • 0.26 acre lot
  • Built 1957

Tags

LARGE BACK YARD

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $196k.

Deal economics

  • At list price, monthly cash flow is $-8 ($-97/yr) — negative.
  • To cash-flow at today's rent, offer at most $195k (0.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (14.4% below list).
  • Recommended offer: $168k (14.4% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 50/100 on livability (#1,118 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A+; Watch: crime F, amenities F, commute F.
  • Barstow Unified (town): math 11% / reading 22% proficiency, ranked #482 of 517 in CA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Lenwood Elementary (math 7% / reading 11%, grade F, #1,544 of 1,571 statewide, top 98%, 505 students, 84% FRL); Barstow Junior High (math 4% / reading 13%, grade F, #495 of 498 statewide, top 100%, 742 students, 80% FRL); Barstow High (math 22% / reading 47%, grade F, #618 of 1,170 statewide, top 56%, 1,584 students, 67% FRL).
  • Market conditions: Rents rising (+2.3%/yr); 349 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
  • San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 124 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 13y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $167,703 (14.4% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
  3. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.86%
Cap rate
6.24%
Cash-on-cash
-0.18%
DSCR
0.99
GRM
9.7

CMA / ARV

ARV (median comp)
$219,275
List price
$196,000
Delta
-10.61%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
34915 Cedar Rd 0.30mi 3/1.0 1,008 (-4%) 10mo $100,000 $99 70
25623 Anderson Ave 0.46mi 3/2.0 1,040 (-2%) 3mo $270,000 $260 69
25466 Jasper 0.15mi 3/1.5 922 (-13%) 3mo $220,000 $239 67
25587 Jade Rd 0.47mi 3/1.0 1,008 (-4%) 5mo $235,000 $233 66
25526 Jade Rd 0.48mi 3/1.0 1,128 (+7%) 3mo $150,000 $133 64
25488 Jade 0.48mi 2/1.0 (-1) 1,008 (-4%) 3mo $187,000 $186 63
25298 Jade 0.48mi 3/1.0 950 (-10%) 2mo $200,000 $211 59
35208 Walnut St 0.55mi 3/2.0 990 (-6%) 4mo $210,000 $212 56
35341 Western Dr 0.74mi 3/1.5 1,049 (-1%) 8mo $220,000 $210 56
25068 Camino Del Norte 0.47mi 3/1.0 954 (-10%) 10mo $210,000 $220 53
25244 Jade Rd 0.51mi 3/1.0 950 (-10%) 10mo $215,000 $226 51
35216 Maple St 0.54mi 3/1.0 950 (-10%) 10mo $50,000 $53 50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.32% rent growth · sell at horizon

5-year hold
IRR
-17.3%
Equity multiple
0.39×
Total profit
$-33,404
Equity at exit
$29,224
10-year hold
IRR
-10.6%
Equity multiple
0.37×
Total profit
$-34,317
Equity at exit
$16,946

Cash invested: $54,880 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 92311

Home prices YoY
-30.6%
Rents YoY
2.3%
Active inventory
349
Price-to-rent
9.7×

Monthly cashflow live

Estimated rent
$1,677 medium interval (Pro) →
Mortgage (P&I)
$1,028
Tax from tax record
$223 /mo · $2,681/yr
Insurance
$82
HOA
$0
Vacancy / Maint / Mgmt
$352
Net cashflow
$-8

Break-even live

Break-even rent $1,687
Max offer price $194,568
Occupancy floor 95%

Sensitivity live

Price -10% $103 -5% $47 +0% $-8 +5% $-64 +10% $-119
Rent -10% $-141 -5% $-74 +0% $-8 +5% $58 +10% $124
Rate -1.0pp $91 -0.5pp $42 base $-8 +0.5pp $-59 +1.0pp $-111

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$49,000
Closing costs
$5,880
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
35205 Birch Rd Barstow, CA 3.0 1.0 1100 $1,500 $1.36 45d 1 0.49mi
3325 Jasper Rd Barstow, CA 2.0 1.0–2.0 916 $1,460 $1.59 0d 4 0.51mi
25670 Ash Rd Barstow, CA 3.0 2.0 1246 $2,200 $1.77 12d 1 0.94mi

Listing history 45 events

  1. 2026-06-21
    days on market $196,000 Active 124 DOM
  2. 2026-06-18
    days on market $196,000 Active 121 DOM
  3. 2026-06-17
    days on market $196,000 Active 120 DOM
  4. 2026-06-16
    days on market $196,000 Active 119 DOM
  5. 2026-06-15
    days on market $196,000 Active 118 DOM
  6. 2026-06-13
    days on market $196,000 Active 116 DOM
  7. 2026-06-13
    pricedays on market $196,000 Active 115 DOM
  8. 2026-06-09
    days on market $200,000 Active 112 DOM
  9. 2026-06-08
    days on market $200,000 Active 111 DOM
  10. 2026-06-07
    days on market $200,000 Active 110 DOM
  11. 2026-06-04
    days on market $200,000 Active 107 DOM
  12. 2026-06-03
    days on market $200,000 Active 106 DOM
  13. 2026-06-02
    days on market $200,000 Active 105 DOM
  14. 2026-06-01
    days on market $200,000 Active 104 DOM
  15. 2026-05-31
    days on market $200,000 Active 103 DOM
  16. 2026-05-04
    price $206,000 395-char remark
    Show marketing remark (395 chars)

    Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!

  17. 2026-03-06
    price $215,000 395-char remark
    Show marketing remark (395 chars)

    Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!

  18. 2026-02-17
    listed $200,000 Active 395-char remark
    Show marketing remark (395 chars)

    Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!

  19. 2022-05-05
    soldstatus $220,000
  20. 2022-04-11
    soldstatus $220,000 Closed Sale 143-char remark
    Show marketing remark (143 chars)

    Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms

  21. 2022-03-21
    status Pending Sale 143-char remark
    Show marketing remark (143 chars)

    Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms

  22. 2022-02-28
    listed $220,000 Active 143-char remark
    Show marketing remark (143 chars)

    Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms

  23. 2014-04-01
    soldstatus $50,000 Closed
  24. 2014-04-01
    soldstatus $50,000
  25. 2014-03-25
    status Backup Offers Accepted
  26. 2014-03-11
    price $53,200
  27. 2014-02-21
    price $53,300
  28. 2014-02-20
    price $53,400
  29. 2014-02-19
    price $53,500
  30. 2014-02-18
    price $53,700
  31. 2014-02-17
    price $53,800
  32. 2014-02-15
    price $54,000
  33. 2014-02-14
    price $54,100
  34. 2014-02-13
    price $54,200
  35. 2014-02-12
    price $54,300
  36. 2014-02-07
    price $54,400
  37. 2013-12-09
    price $54,500
  38. 2013-11-25
    status Active
  39. 2013-10-25
    status Backup Offers Accepted
  40. 2013-10-05
    price $54,700
  41. 2013-10-02
    price $56,800
  42. 2013-09-07
    price $57,400
  43. 2013-08-31
    price $58,600
  44. 2013-08-08
    listed $59,900 Active
  45. 1990-03-27
    soldstatus $52,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$2,681 · $223/mo
Projected year-2 tax
$2,681 · $223/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥103°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 14 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$20,124
− Mortgage interest
−$10,979
− Property taxes
−$2,681
− Insurance
−$980
− Repairs & maintenance
−$1,610
− Management
−$1,610
− Depreciation
−$5,702
Taxable loss
−$3,438
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$825
After-tax cash flow
$728/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Barstow Unified
NCES district ID
0604020
Math proficiency
11% ▼ -7.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$44,505
Composite
14.44/100
National rank
#9430
State rank
#482 of 517 in CA

Livability — Lenwood

Score
50/100
State rank
#1118
US rank
#25618

Category grades

Amenities F Commute F Cost of living B- Crime F Employment C Housing A+ Health & safety F User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Lenwood, CA
County
San Bernardino County · 2,030,291 people
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
33,954
Household income
$61,862
Rent vs Own
50.0% rent · 50.0% own
Severe rent burden
1305.0

Population outlook (San Bernardino County) Hauer SSP2

Today (2025)
2,300,329 people
By 2030
2,378,907 · +3.4%
By 2040
2,523,137 · +9.7%
By 2050
2,642,388 · +14.9%
By 2075
2,880,769 · +25.2%
By 2100
2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.68)
Race & ethnicity
Hispanic / Latino 46% White 29% Two or more races 22% Black 15% Native American 3% Asian 2% Pacific Islander 1%
Hispanic origin (detail)
Mexican 39% Puerto Rican 2%
Common ancestry
Portuguese 1% Lithuanian 1% Italian 1%
Foreign-born
9% · Canada, South Korea
Languages at home
77% English-only · Spanish 20% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · San Bernardino

2024 margin
Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
2008→2024 swing
-8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
All cycles
2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -139.26%
Current HPI
316.4858
Rent YoY
▲ 2.32%
Metro
Riverside-San Bernardino-Ontario, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+296.2% since first listed
30 events — show timeline
  • 2026-05-04 Price Changed $206,000 CRMLS
  • 2026-03-06 Price Changed $215,000 CRMLS
  • 2026-02-17 Listed $200,000 CRMLS
  • 2022-05-05 Sold (Public Records) $220,000 Public Records
  • 2022-04-11 Sold (MLS) $220,000 CRMLS
  • 2022-03-21 Pending CRMLS
  • 2022-02-28 Listed $220,000 CRMLS
  • 2014-04-01 Sold (Public Records) $50,000 Public Records
  • 2014-04-01 Sold (MLS) $50,000 CRMLS
  • 2014-03-25 Pending CRMLS
  • 2014-03-11 Price Changed $53,200 CRMLS
  • 2014-02-21 Price Changed $53,300 CRMLS
  • 2014-02-20 Price Changed $53,400 CRMLS
  • 2014-02-19 Price Changed $53,500 CRMLS
  • 2014-02-18 Price Changed $53,700 CRMLS
  • 2014-02-17 Price Changed $53,800 CRMLS
  • 2014-02-15 Price Changed $54,000 CRMLS
  • 2014-02-14 Price Changed $54,100 CRMLS
  • 2014-02-13 Price Changed $54,200 CRMLS
  • 2014-02-12 Price Changed $54,300 CRMLS
  • 2014-02-07 Price Changed $54,400 CRMLS
  • 2013-12-09 Price Changed $54,500 CRMLS
  • 2013-11-25 Relisted CRMLS
  • 2013-10-25 Pending CRMLS
  • 2013-10-05 Price Changed $54,700 CRMLS
  • 2013-10-02 Price Changed $56,800 CRMLS
  • 2013-09-07 Price Changed $57,400 CRMLS
  • 2013-08-31 Price Changed $58,600 CRMLS
  • 2013-08-08 Listed $59,900 CRMLS
  • 1990-03-27 Sold (Public Records) $52,000 Public Records

Property tax history

+8.8%/yr

Latest (2025): $2,681 · +1.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…