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3825 Valley Blvd #23
C+ Composite 64.16
Why this score? — see what drove the C+ 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 +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Condition / age +4.0/5.0
  • Livability +2.9/5.0
  • ARV discount +2.7/15.0
  • Rent growth +2.6/5.0
  • Schools +2.0/10.0
  • Appreciation +0.0/10.0

$199,900

3825 Valley Blvd #23 · Pomona, CA 91789
3 bd · 2.0 ba · 1,288 sqft · Manufactured public records · 144 Days on market
Built 2022 Good condition 1,000 sqft lot $155/sqft · 11% above area Est $181k · 11% over ↓ 13% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this beautiful 3 bedroom 2 bath ALL-AGES manufactured home in the city of Walnut!!! Built 2022, Main entrance welcomes you to the spacious living space. Open concept with contemporary kitchen furnished with stove and dishwasher. Master bedroom to the left with one closet. remodeled bathroom. To the right you have two more bedrooms with spacious closets. Laundry room. Property close to public transportation, freeways, restaurants. Close to Mt Sac community college and Cal Poly Pomona. Perfect for students. A lot of detail has gone into this wonderful home. A must see to appreciate!

Key facts

  • Contemporary kitchen
  • Remodeled bathroom
  • Freeways

Tags

CONTEMPORARY KITCHENREMODELED BATHROOMPUBLIC TRANSPORTATIONFREEWAYSRESTAURANTSMT SAC COMMUNITY COLLEGE

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/2.0-bath manufactured listed at $200k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $2k ($18k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $200k).
  • Recommended offer: $176k (12.0% below list) — sets the bar for market timing.
  • Cap rate 15.5% vs local median 2.8% in Pomona — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 58/100 on livability (#676 in CA) — a working-class tenant base; expect higher turnover. Strengths: commute A+; Watch: schools D, crime F, amenities F.
  • Pomona Unified (suburban): math 12% / reading 31% proficiency, ranked #444 of 517 in CA (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents flat; 137 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 19,697 units permitted in Los Angeles County in 2024 (9,426 in 5+ unit buildings).
  • This rent runs 34% of the median local income ($126k/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.
  • Los Angeles County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 0.3% rent growth), your $56k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 144 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: major flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $175,912 (12.0% below list)

Questions for the listing agent

  1. It's been on market 144 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. 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?
  6. 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.
  7. 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.
  8. 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
1.78%
Cap rate
15.47%
Cash-on-cash
32.78%
DSCR
2.46
GRM
4.7

CMA / ARV

ARV (median comp)
$180,706
List price
$199,900
Delta
10.62%
Verdict
OVERPRICED
Comps
10 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3825 VALLEY Blvd #14 0.00mi 3/2.0 1,259 (-2%) 9mo $169,000 $134 88
3667 VALLEY Blvd #64 0.28mi 3/2.0 1,248 (-3%) 2mo $205,000 $164 80
3745 Valley Blvd 0.13mi 3/2.0 1,440 (+12%) 1mo $253,000 $176 73
3745 Valley Blvd #160 0.13mi 3/2.0 1,440 (+12%) 6mo $255,000 $177 69
3667 Valley Blvd #54 0.28mi 2/2.0 (-1) 1,344 (+4%) 8mo $175,000 $130 68
3745 Valley Blvd #84 0.14mi 2/2.0 (-1) 1,152 (-11%) 4mo $160,000 $139 68
3745 Valley Blvd #50 0.13mi 2/2.0 (-1) 1,152 (-11%) 6mo $127,000 $110 67
3667 Valley Blvd #143 0.28mi 3/2.0 1,104 (-14%) 5mo $189,000 $171 59
3745 Valley Blvd #117 0.13mi 3/2.0 1,440 (+12%) 19mo $198,000 $138 59
3745 VALLEY Blvd #167 0.13mi 4/2.0 (+1) 1,440 (+12%) 14mo $320,000 $222 58
3667 Valley Blvd 0.25mi 3/2.0 1,458 (+13%) 16mo $279,000 $191 53
3667 Valley Blvd #49 0.28mi 2/2.0 (-1) 1,120 (-13%) 11mo $120,000 $107 51

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 · 0.35% rent growth · sell at horizon

5-year hold
IRR
25.0%
Equity multiple
2.00×
Total profit
$55,762
Equity at exit
$29,806
10-year hold
IRR
31.1%
Equity multiple
3.47×
Total profit
$138,017
Equity at exit
$17,284

Cash invested: $55,972 (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 91789

Rents YoY
0.3%
Active inventory
137
Price-to-rent
4.7×

Monthly cashflow live

Estimated rent
$3,552 high interval (Pro) →
Mortgage (P&I)
$1,048
Tax from tax record
$145 /mo · $1,743/yr
Insurance
$83
HOA
$0
Vacancy / Maint / Mgmt
$746
Net cashflow
$1,529

Break-even live

Break-even rent $1,616
Max offer price $199,900
Occupancy floor 52%

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
$49,975
Closing costs
$5,997
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 7 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3507 Legato Ct Pomona, CA 2.0 2.0 920 $2,400 $2.61 44d 1 1.17mi
3435 Legato Ct Pomona, CA 2.0 2.0 930 $2,445 $2.63 13d 1 1.20mi
227 Red Cloud Dr Diamond Bar, CA 3.0 1.5 1449 $3,550 $2.45 7d 1 1.24mi
227 Red Cloud Dr Diamond Bar, CA 3.0 2.0 1449 $3,550 $2.45 10d 1 1.24mi
400 Appian Way Pomona, CA 2.0 1.0–2.0 624 $3,145 $5.04 5d 1 1.29mi
356 Carrione Ct Pomona, CA 2.0 2.5 1392 $3,500 $2.51 44d 1 1.37mi
24151 High Knob Rd Diamond Bar, CA 2.0 1.0 1174 $2,300 $1.96 13d 1 1.48mi

Listing history 11 events

  1. 2026-06-13
    days on market $199,900 Active 144 DOM
  2. 2026-06-09
    days on market $199,900 Active 141 DOM
  3. 2026-06-08
    days on market $199,900 Active 140 DOM
  4. 2026-06-07
    days on market $199,900 Active 139 DOM
  5. 2026-06-04
    days on market $199,900 Active 136 DOM
  6. 2026-06-03
    days on market $199,900 Active 135 DOM
  7. 2026-06-02
    days on market $199,900 Active 134 DOM
  8. 2026-06-01
    days on market $199,900 Active 133 DOM
  9. 2026-05-31
    days on market $199,900 Active 132 DOM
  10. 2026-02-03
    price $199,900 598-char remark
    Show marketing remark (598 chars)

    Welcome to this beautiful 3 bedroom 2 bath ALL-AGES manufactured home in the city of Walnut!!! Built 2022, Main entrance welcomes you to the spacious living space. Open concept with contemporary kitchen furnished with stove and dishwasher. Master bedroom to the left with one closet. remodeled bathroom. To the right you have two more bedrooms with spacious closets. Laundry room. Property close to public transportation, freeways, restaurants. Close to Mt Sac community college and Cal Poly Pomona. Perfect for students. A lot of detail has gone into this wonderful home. A must see to appreciate!

  11. 2026-01-19
    listed $229,900 Active 598-char remark
    Show marketing remark (598 chars)

    Welcome to this beautiful 3 bedroom 2 bath ALL-AGES manufactured home in the city of Walnut!!! Built 2022, Main entrance welcomes you to the spacious living space. Open concept with contemporary kitchen furnished with stove and dishwasher. Master bedroom to the left with one closet. remodeled bathroom. To the right you have two more bedrooms with spacious closets. Laundry room. Property close to public transportation, freeways, restaurants. Close to Mt Sac community college and Cal Poly Pomona. Perfect for students. A lot of detail has gone into this wonderful home. A must see to appreciate!

ⓘ 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
$1,743 · $145/mo
Projected year-2 tax
$1,743 · $145/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 6/10 Major FEMA zone X (unshaded) · 71% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 7/10 Severe 7 d/yr ≥99°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 13 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$42,622
− Mortgage interest
−$11,198
− Property taxes
−$1,743
− Insurance
−$1,000
− Repairs & maintenance
−$3,410
− Management
−$3,410
− Depreciation
−$5,815
Taxable income
$16,048
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$3,851
After-tax cash flow
$14,498/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This all-ages manufactured home is in excellent condition with modern amenities and a good location. It's move-in ready and would benefit from some landscaping and painting to further enhance its value.

Value-add opportunities

  • Both landscaping — enhances curb appeal and adds value
  • Both painting — refreshes the interior and exterior
  • Both upgrading appliances — modernizes the kitchen and adds value

Renovation cost estimate screening

Value-add ROI direction

  • Both landscaping — enhances curb appeal and adds value
  • Both painting — refreshes the interior and exterior
  • Both upgrading appliances — modernizes the kitchen and adds value

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Pomona Unified
NCES district ID
0631320
Math proficiency
12% ▼ -15.00%
Reading proficiency
31% ▼ -10.00%
Median HH income
$54,839
Composite
19.54/100
National rank
#8761
State rank
#444 of 517 in CA

Livability — Pomona

Score
58/100
State rank
#676
US rank
#20782

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Pomona, CA
County
Los Angeles County · 9,444,647 people
City population
152,679
Metro
Los Angeles-Long Beach-Anaheim, CA
Population (ZIP)
40,298
Household income
$125,720
Rent vs Own
17.9% rent · 82.1% own
Severe rent burden
603.0

Population outlook (Los Angeles County) Hauer SSP2

Today (2025)
10,940,515 people
By 2030
11,256,481 · +2.9%
By 2040
11,729,929 · +7.2%
By 2050
11,948,407 · +9.2%
By 2075
11,818,114 · +8.0%
By 2100
10,842,928 · -0.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Asian (67%)
Race & ethnicity
Asian 67% Hispanic / Latino 18% White 9% Two or more races 7% Black 2%
Hispanic origin (detail)
Mexican 15%
Foreign-born
51% · China, South Korea, Canada
Languages at home
33% English-only · Chinese 38% Spanish 9% Tagalog/Filipino 6%

Political lean MEDSL · Los Angeles

2024 margin
Solid D (+32.9) · D 64.8% · R 31.9% · Other 3.3%
2008→2024 swing
-7.4pp toward R · 2008: 40.4pp · 2024: 32.9pp
All cycles
2024: D+32.9 2020: D+44.2 2016: D+48.0 2012: D+40.0 2008: D+40.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -884.62%
Current HPI
368.0775
Rent YoY
▲ 0.35%
Metro
Los Angeles-Long Beach-Anaheim, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

-13.0% since first listed
2 events — show timeline
  • 2026-02-03 Price Changed $199,900 CRMLS
  • 2026-01-19 Listed $229,900 CRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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