1402 W Jennifer Ln · Yuma, AZ 85365

$145,000

2 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 234 Days on market

Built 1984 7,143 sqft lot Est $160k · 9% under $60/mo HOA · 4% of rent

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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 +22.8/30.0
• ARV discount +11.8/15.0
• DSCR +7.3/10.0
• 1% rule +6.0/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great 2 bed/2 bath. All landscaping was professionally done with desert landscaping in the front and a Garden of Eden in the back with orchid tree and a variety of hearty plants all on auto water. Offers both an enclosed AZ room on one side and a screened AZ room on the other side. A list of upgrades have been done since owning the property, including dual pane windows in 2016, new roof in 2017. Can view remainder of up-grades in assoc. docs. All tucked away at the end of a large cul-de-sac street.

Key facts

• Open floor plan
• Updated kitchen
• Az rooms

Tags

• OPEN FLOOR PLAN
• UPDATED KITCHEN
• MATURE LANDSCAPING
• ORCHID TREE
• AZ ROOMS
• EXTRA SPACE

Property features AI

Finance

• HOA & community: Homeowners association (monthly fee $60); Senior community

Exterior

• Parking: 1 total parking space; 1 covered space; Attached carport; Has attached garage; Has open parking
• Utilities: Septic tank
• Home design: Manufactured home; Residential property
• Construction: Mobile home / manufactured construction
• Exterior features: Covered patio; Shed(s); Paved road access

Interior

• Kitchen: Disposal; Refrigerator; Microwave; Electric range
• Flooring: Laminate; Other
• Bathrooms: 1 full bathroom; 1 three-quarter bathroom
• Heating & cooling: Heating; Cooling
• Interior features: Water softener (owned); No fireplace
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $145k.

Deal economics

• At list price, monthly cash flow is $252 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $128k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 3.9% in Yuma — 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 71/100 on livability (#30 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, crime C-, employment D.
• Yuma Union High School District (4507) (urban): math 14% / reading 16% proficiency, ranked #212 of 249 in AZ (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents soft (-0.4%/yr); 468 active listings in the ZIP; 1,399 units permitted in Yuma County in 2024 (180 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Yuma County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 234 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $30k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $127,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 234 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.10% ✓
• Cap rate: 8.38%
• Cash-on-cash: 7.44%
• DSCR: 1.33
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $160,128
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1424 W Mia Ln	0.10mi	2/2.0	1,146 (-0%)	7mo	$170,000	$148	88
1480 W Michelle Ln	0.10mi	2/2.0	1,056 (-8%)	2mo	$147,000	$139	80
14213 S Mark Dr	0.11mi	2/2.0	1,272 (+10%)	11mo	$164,800	$130	68

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -8.4%
• Equity multiple: 0.70×
• Total profit: $-12,087
• Equity at exit: $21,620

10-year hold

• IRR: -3.3%
• Equity multiple: 0.81×
• Total profit: $-7,766
• Equity at exit: $12,537

Cash invested: $40,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85365

• Home prices YoY: -23.6%
• Rents YoY: -0.4%
• Active inventory: 468
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,589 medium
• Mortgage (P&I): −$760
• Tax from tax record: −$123 /mo · $1,473/yr
• Insurance: −$60
• HOA: −$60
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $252

Break-even live

Break-even rent $1,270

Max offer price $145,000

Occupancy floor 79%

Sensitivity live

Price	-10% $334	-5% $293	+0% $252	+5% $211	+10% $170
Rent	-10% $126	-5% $189	+0% $252	+5% $315	+10% $377
Rate	-1.0pp $325	-0.5pp $289	base $252	+0.5pp $214	+1.0pp $176

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $60 · $720/yr
• Likely covers: waterlandscaping

Listing history 27 events

1. 2026-06-21
   days on market $145,000 Active 234 DOM
2. 2026-06-19
   pricedays on market $145,000 Active 232 DOM
3. 2026-06-18
   days on market $165,000 Active 231 DOM
4. 2026-06-17
   days on market $165,000 Active 230 DOM
5. 2026-06-16
   days on market $165,000 Active 229 DOM
6. 2026-06-15
   days on market $165,000 Active 228 DOM
7. 2026-06-14
   days on market $165,000 Active 226 DOM
8. 2026-06-13
   days on market $165,000 Active 225 DOM
9. 2026-06-10
   days on market $165,000 Active 223 DOM
10. 2026-06-09
    days on market $165,000 Active 222 DOM
11. 2026-06-08
    days on market $165,000 Active 221 DOM
12. 2026-06-07
    days on market $165,000 Active 220 DOM
13. 2026-06-05
    days on market $165,000 Active 217 DOM
14. 2026-06-02
    days on market $165,000 Active 215 DOM
15. 2026-06-01
    days on market $165,000 Active 214 DOM
16. 2026-05-31
    days on market $165,000 Active 213 DOM
17. 2026-05-30
    days on market $165,000 Active 212 DOM
18. 2026-02-10
    price $165,000
19. 2025-10-30
    listed $175,000 Active
20. 2024-02-07
    soldstatus $169,900 Closed 505-char remark

    Show marketing remark (505 chars)

    Great 2 bed/2 bath. All landscaping was professionally done with desert landscaping in the front and a Garden of Eden in the back with orchid tree and a variety of hearty plants all on auto water. Offers both an enclosed AZ room on one side and a screened AZ room on the other side. A list of upgrades have been done since owning the property, including dual pane windows in 2016, new roof in 2017. Can view remainder of up-grades in assoc. docs. All tucked away at the end of a large cul-de-sac street.

21. 2024-01-16
    soldstatus $169,900
22. 2023-12-05
    historical Active Under Contract 505-char remark

    Show marketing remark (505 chars)

    Great 2 bed/2 bath. All landscaping was professionally done with desert landscaping in the front and a Garden of Eden in the back with orchid tree and a variety of hearty plants all on auto water. Offers both an enclosed AZ room on one side and a screened AZ room on the other side. A list of upgrades have been done since owning the property, including dual pane windows in 2016, new roof in 2017. Can view remainder of up-grades in assoc. docs. All tucked away at the end of a large cul-de-sac street.

23. 2023-12-01
    listed $169,900 Active 505-char remark

    Show marketing remark (505 chars)

    Great 2 bed/2 bath. All landscaping was professionally done with desert landscaping in the front and a Garden of Eden in the back with orchid tree and a variety of hearty plants all on auto water. Offers both an enclosed AZ room on one side and a screened AZ room on the other side. A list of upgrades have been done since owning the property, including dual pane windows in 2016, new roof in 2017. Can view remainder of up-grades in assoc. docs. All tucked away at the end of a large cul-de-sac street.

24. 2014-07-23
    soldstatus $50,000 220-char remark

    Show marketing remark (220 chars)

    Check out this great, fully furnished, manufactured home! Well maintained and move-in ready. Located in 55+ park, Sun Leisure Estates features a clubhouse, pool, spa, shower area, shuffleboard, library, and kitchen area.

25. 2014-07-23
    soldstatus $50,000

    Show marketing remark (220 chars)

    Check out this great, fully furnished, manufactured home! Well maintained and move-in ready. Located in 55+ park, Sun Leisure Estates features a clubhouse, pool, spa, shower area, shuffleboard, library, and kitchen area.

26. 2014-02-10
    listed $59,000 220-char remark

    Show marketing remark (220 chars)

    Check out this great, fully furnished, manufactured home! Well maintained and move-in ready. Located in 55+ park, Sun Leisure Estates features a clubhouse, pool, spa, shower area, shuffleboard, library, and kitchen area.

27. 1987-12-30
    soldstatus $45,000

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

Tax reassessment forecast AZ · Resets to sale price

• Current annual tax: $1,473 · $123/mo
• Projected year-2 tax: $1,473 · $123/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥113°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,070
• − Mortgage interest: −$8,122
• − Property taxes: −$1,473
• − Insurance: −$725
• − Repairs & maintenance: −$1,526
• − Management: −$1,526
• − HOA: −$720
• − Depreciation: −$4,218
• Taxable income: $760
• Est. tax owed @ 24.0%: −$182
• After-tax cash flow: $2,840/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: Yuma Union High School District (4507)
• NCES district ID: 0409630
• Math proficiency: 14% ▼ -12.00%
• Reading proficiency: 16% ▼ -10.00%
• Median HH income: $40,512
• Composite: 12.86/100
• National rank: #9592
• State rank: #212 of 249 in AZ

Livability — Yuma

• Score: 71/100
• State rank: #30
• US rank: #6635

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Yuma County · 149,809 people
• City population: 149,809
• Metro: Yuma, AZ
• Population (ZIP): 54,775
• Household income: $70,331
• Rent vs Own: 20.9% rent · 79.1% own
• Severe rent burden: 766.0

Population outlook (Yuma County) Hauer SSP2

• Today (2025): 211,633 people
• By 2030: 214,114 · +1.2%
• By 2040: 217,856 · +2.9%
• By 2050: 220,276 · +4.1%
• By 2075: 222,359 · +5.1%
• By 2100: 198,880 · -6.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Hispanic / Latino 47% White 44% Two or more races 23% Black 2% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 43%
• Common ancestry: Lithuanian 2% Italian 1% Romanian 1%
• Foreign-born: 17% · Canada
• Languages at home: 62% English-only · Spanish 36% Tagalog/Filipino 1% Other Asian/Pacific 1%

Political lean MEDSL · Yuma

• 2024 margin: Strong R (+20.4) · D 39.3% · R 59.8%
• 2008→2024 swing: -6.6pp toward R · 2008: -13.8pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+6.2 2016: R+5.5 2012: R+16.1 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.03%
• Current HPI: 242.8651
• Rent YoY: ▼ -0.38%
• Metro: Yuma, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+266.7% since first listed

10 events — show timeline

• 2026-02-10 Price Changed $165,000 YAR
• 2025-10-30 Listed $175,000 YAR
• 2024-02-07 Sold (MLS) $169,900 YAR
• 2024-01-16 Sold (Public Records) $169,900 Public Records
• 2023-12-05 Contingent — YAR
• 2023-12-01 Listed $169,900 YAR
• 2014-07-23 Sold (Public Records) $50,000 Public Records
• 2014-07-23 Sold (MLS) $50,000 YAR
• 2014-02-10 Listed $59,000 YAR
• 1987-12-30 Sold (Public Records) $45,000 Public Records

Property tax history

+8.4%/yr

Latest (2025): $1,473 · -24.6% YoY. Source: county tax records.