CashFlowRE
Sign in Sign up
100 S Westwood St #92
B Composite 70.0
Why this score? — see what drove the B 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
  • ARV discount +7.5/15.0
  • Rent growth +3.5/5.0
  • Schools +3.5/10.0
  • Livability +3.0/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$69,500

100 S Westwood St #92 · Porterville, CA 93257
3 bd · 2.0 ba · 1,456 sqft · Land · 143 Days on market
Built 1998 ↓ 7% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

This manufactured home is located in Westwood Village a gated senior community This senior (Over 55 yrs of age) park includes clubhouse, inground pool, pickleball, BBQ area. This home has been updated with new flooring throughout, new appliances, new blinds and other upgrades. It is move in ready! 3 bedrooms 2 bathrooms, open floor plan. The seller is offering 6 months paid space rent with an acceptable offer. Call Today!

Key facts

  • Clubhouse
  • Pickleball
  • New flooring

Tags

GATED SENIOR COMMUNITYCLUBHOUSEINGROUND POOLPICKLEBALLBBQ AREANEW FLOORING

Property features AI

Finance

  • Other: Living area reported as 1,456 square feet
  • Financial info: No financial details provided
  • HOA & community: Park community (manufactured home in park)

Exterior

  • Parking: No parking details provided
  • Security: No security details provided
  • Utilities: Public water; Public sewer; Natural gas available and connected; Water connected; Sewer connected; Phone connected
  • Home design: Manufactured in park; Manufactured home (double wide); Updated/remodeled
  • Construction: Composition roof; 26 ft by 56 ft mobile dimensions; Aluminum skirting
  • Exterior features: Private and community pool access

Interior

  • Kitchen: No specific appliances listed
  • Bedrooms: Double wide manufactured home (bedroom count not specified)
  • Flooring: No flooring details provided
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central air conditioning; Forced air heating
  • Interior features: Updated/remodeled interior
  • Laundry & utility: No laundry details provided

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 land listed at $70k.

Deal economics

  • At list price, monthly cash flow is $911 ($11k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $70k).
  • Recommended offer: $61k (12.0% below list) — sets the bar for market timing.
  • Cap rate 22.0% vs local median 2.7% in Porterville — 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 60/100 on livability (#561 in CA) — a middle-class / working-renter tenant base. Strengths: housing A, commute A-; Watch: crime C-, cost of living D+, schools F.
  • Burton Elementary (urban): math 31% / reading 42% proficiency, ranked #805 of 1,400 in CA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents rising fast (+4.1%/yr); 320 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,447 units permitted in Tulare County in 2024 (307 in 5+ unit buildings).
  • This rent runs 34% of the median local income ($60k/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 $481 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Tulare County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 4.1% rent growth), your $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 143 days — a 12% lower offer ($61k) is reasonable based on typical stale-listing flexibility.
  • 10 sale attempts since 4y 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

  • Climate carrying-cost: moderate flood risk; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $61,160 (12.0% below list)

Questions for the listing agent

  1. It's been on market 143 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 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?
  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
2.41%
Cap rate
22.02%
Cash-on-cash
56.15%
DSCR
3.50
GRM
3.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.07% rent growth · sell at horizon

5-year hold
IRR
55.7%
Equity multiple
3.49×
Total profit
$48,543
Equity at exit
$10,363
10-year hold
IRR
61.0%
Equity multiple
7.40×
Total profit
$124,541
Equity at exit
$6,009

Cash invested: $19,460 (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 93257

Rents YoY
4.1%
Active inventory
320
Price-to-rent
3.5×

Monthly cashflow live

Estimated rent
$1,677 medium interval (Pro) →
Mortgage (P&I)
$364
Tax from tax record
$21 /mo · $254/yr
Insurance
$29
HOA
$0
Vacancy / Maint / Mgmt
$352
Net cashflow
$911

Break-even live

Break-even rent $525
Max offer price $69,500
Occupancy floor 41%

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
$17,375
Closing costs
$2,085
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 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1711 W Henderson Ave Porterville, CA 1.0–2.0 1.0–2.0 889 $1,700 $1.91 13d 1 1.27mi

Listing history 34 events

  1. 2026-06-05
    statusdays on market $69,500 Pending 143 DOM
  2. 2026-06-03
    days on market $69,500 Active 142 DOM
  3. 2026-06-02
    days on market $69,500 Active 141 DOM
  4. 2026-06-01
    days on market $69,500 Active 140 DOM
  5. 2026-05-31
    days on market $69,500 Active 139 DOM
  6. 2026-05-30
    days on market $69,500 Active 138 DOM
  7. 2026-02-06
    price $69,500
  8. 2026-01-12
    listed $72,000 Active
  9. 2024-11-19
    price $89,900
  10. 2024-09-24
    listed $99,900 Active
  11. 2024-07-17
    price $99,900
  12. 2024-06-20
    price $105,900
  13. 2024-06-04
    price $114,900
  14. 2024-04-25
    price $115,000
  15. 2024-04-20
    price $119,000
  16. 2024-03-30
    price $120,000
  17. 2024-03-10
    listed $130,000 Active
  18. 2024-01-25
    soldstatus $69,000 Closed
  19. 2023-11-21
    status Pending
  20. 2023-11-03
    listed $75,000 Active
  21. 2023-08-25
    status Pending
  22. 2023-08-08
    historical
  23. 2023-04-12
    status Pending
  24. 2023-01-31
    status Active
  25. 2023-01-05
    status Pending
  26. 2022-11-14
    status Active
  27. 2022-11-10
    status Pending
  28. 2022-10-06
    status Active
  29. 2022-09-16
    status Pending
  30. 2022-08-11
    status Active
  31. 2022-08-10
    status Pending
  32. 2022-07-05
    status Active
  33. 2022-04-13
    historical
  34. 2022-03-27
    listed $75,000

ⓘ 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
$254 · $21/mo
Projected year-2 tax
$528 · $44/mo
Expected delta
+$275/yr (+$23/mo · 108.2%)

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

Climate risk First Street

  • 🌊 Flood 5/10 Major FEMA zone X (shaded) · 24% chance over 30 yrs
  • 🔥 Wildfire 7/10 Severe
  • 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 33 unhealthy d/yr today · 37 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,129
− Mortgage interest
−$3,893
− Property taxes
−$254
− Insurance
−$348
− Repairs & maintenance
−$1,610
− Management
−$1,610
− Depreciation
−$2,022
Taxable income
$10,392
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,494
After-tax cash flow
$8,433/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
Burton Elementary
NCES district ID
0606570
Math proficiency
31% ▲ 4.00%
Reading proficiency
42% ▲ 3.00%
Median HH income
$57,171
Composite
34.83/100
National rank
#10012
State rank
#805 of 1400 in CA

Livability — Porterville

Score
60/100
State rank
#561
US rank
#18537

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Porterville, CA
County
Tulare County · 323,826 people
City population
80,467
Metro
Visalia, CA
Population (ZIP)
80,467
Household income
$59,704
Rent vs Own
44.4% rent · 55.6% own
Severe rent burden
3028.0

Population outlook (Tulare County) Hauer SSP2

Today (2025)
484,681 people
By 2030
496,241 · +2.4%
By 2040
518,507 · +7.0%
By 2050
534,920 · +10.4%
By 2075
548,417 · +13.2%
By 2100
513,085 · +5.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (72%)
Race & ethnicity
Hispanic / Latino 72% Two or more races 23% White 21% Native American 3% Asian 2%
Hispanic origin (detail)
Mexican 69%
Common ancestry
Iranian 1%
Foreign-born
26% · Canada
Languages at home
45% English-only · Spanish 52% Tagalog/Filipino 1% Arabic 1%

Political lean MEDSL · Tulare

2024 margin
Strong R (+20.7) · D 38.5% · R 59.2% · Other 2.3%
2008→2024 swing
-5.4pp toward R · 2008: -15.3pp · 2024: -20.7pp
All cycles
2024: R+20.7 2020: R+7.8 2016: R+12.1 2012: R+17.8 2008: R+15.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -375.52%
Current HPI
362.656
Rent YoY
▲ 4.07%
Metro
Visalia, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

-7.3% since first listed
28 events — show timeline
  • 2026-02-06 Price Changed $69,500 TCMLS
  • 2026-01-12 Listed $72,000 TCMLS
  • 2024-11-19 Price Changed $89,900 TCMLS
  • 2024-09-24 Listed $99,900 TCMLS
  • 2024-07-17 Price Changed $99,900 TCMLS
  • 2024-06-20 Price Changed $105,900 TCMLS
  • 2024-06-04 Price Changed $114,900 TCMLS
  • 2024-04-25 Price Changed $115,000 TCMLS
  • 2024-04-20 Price Changed $119,000 TCMLS
  • 2024-03-30 Price Changed $120,000 TCMLS
  • 2024-03-10 Listed $130,000 TCMLS
  • 2024-01-25 Sold (MLS) $69,000 TCMLS
  • 2023-11-21 Pending TCMLS
  • 2023-11-03 Listed $75,000 TCMLS
  • 2023-08-25 Pending TCMLS
  • 2023-08-08 Delisted TCMLS
  • 2023-04-12 Pending TCMLS
  • 2023-01-31 Relisted TCMLS
  • 2023-01-05 Pending TCMLS
  • 2022-11-14 Relisted TCMLS
  • 2022-11-10 Pending TCMLS
  • 2022-10-06 Relisted TCMLS
  • 2022-09-16 Pending TCMLS
  • 2022-08-11 Relisted TCMLS
  • 2022-08-10 Pending TCMLS
  • 2022-07-05 Relisted TCMLS
  • 2022-04-13 Delisted TCMLS
  • 2022-03-27 Listed $75,000 TCMLS

Property tax history

-1.0%/yr

Latest (2021): $254 · -0.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…