CashFlowRE
Sign in Sign up
1255 Amethyst #18
B+ Composite 77.24
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
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Schools +4.7/10.0
  • Livability +2.6/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$127,000

1255 Amethyst #18 · Mentone, CA 92359
2 bd · 1.0 ba · 960 sqft · Manufactured public records · 98 Days on market
Built 1985 960 sqft lot $132/sqft · 26% below area Est $172k · 26% under ↓ 6% since listing

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

Listing remarks MLS

Welcome to this beautifully upgraded 960 sq. ft. manufactured home located in the highly sought after Carriage Isle Senior Park in Mentone. This 2 bd 1.75 bath residence offers modern comfort and peace of mind in a premium 55+ community. The interior has been extensively renovated featuring a gourmet kitchen with a full suite of stainless-steel Samsung appliances and a primary suite anchored by a custom extra-large soaking tub with elegant marble tile. Significant high value mechanical upgrades include an $8000 tankless water heater, a whole house water filtration system, a recently serviced HVAC, and a five-year-old fire-retardant roof, backed by a 25-year parts warranty. Beyond the homes interior living in Carriage Isle provides a serene lifestyle with access to a community pool, clubhouse, and billiard room, all while being ideally situated near the amenities of Redlands. This move in ready home also features deep closets, separate storage, and a comprehensive security system, please note both the security and water filtration systems are owned, buyer to purchase filters and app for added security features. Don't miss this opportunity for high-end senior living in a quiet, well-maintained park.

Key facts

  • Community pool
  • Built 1985
  • Listed 98 days

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 2-bed/1.0-bath manufactured listed at $127k.

Deal economics

  • At list price, monthly cash flow is $867 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $127k).
  • Recommended offer: $116k (9.0% below list) — sets the bar for market timing.
  • Cap rate 14.5% vs local median 3.9% in Mentone — 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 51/100 on livability (#1,085 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A; Watch: schools D, health & safety D, crime F.
  • Redlands Unified (urban): math 44% / reading 57% proficiency, ranked #390 of 1,400 in CA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 25 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
  • This rent runs 34% of the median local income ($78k/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 $878 of loan paydown is wiped out by about $4k 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.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 98 days — a 9% lower offer ($116k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $115,570 (9.0% below list)

Questions for the listing agent

  1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% 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
1.74%
Cap rate
14.48%
Cash-on-cash
29.25%
DSCR
2.30
GRM
4.8

CMA / ARV

ARV (median comp)
$172,000
List price
$127,000
Delta
-26.16%
Verdict
UNDERPRICED
Comps
5 within 1.0 mi
Show comp detail 4 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1255 Amethyst Ave #80 0.00mi 2/2.0 960 (0%) 12mo $146,500 $153 86
1255 Amethyst #73 0.00mi 2/2.0 1,056 (+10%) 14mo $85,000 $80 67
2140 Mentone #153 0.73mi 3/1.0 (+1) 960 (0%) 3mo $172,000 $179 58
2140 Mentone Blvd #63 0.73mi 3/2.0 (+1) 1,056 (+10%) 17mo $189,000 $179 26

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
23.7%
Equity multiple
1.97×
Total profit
$34,658
Equity at exit
$18,936
10-year hold
IRR
31.6%
Equity multiple
3.85×
Total profit
$101,400
Equity at exit
$10,981

Cash invested: $35,560 (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 92359

Home prices YoY
-18.1%
Active inventory
25
Price-to-rent
4.8×

Monthly cashflow live

Estimated rent
$2,208 high interval (Pro) →
Mortgage (P&I)
$666
Tax est. 1.5%
$159 /mo · $1,905/yr
Insurance
$53
HOA
$0
Vacancy / Maint / Mgmt
$464
Net cashflow
$867

Break-even live

Break-even rent $1,111
Max offer price $127,000
Occupancy floor 56%

Sensitivity live

Price -10% $955 -5% $911 +0% $867 +5% $823 +10% $779
Rent -10% $692 -5% $780 +0% $867 +5% $954 +10% $1,041
Rate -1.0pp $931 -0.5pp $899 base $867 +0.5pp $834 +1.0pp $800

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
$31,750
Closing costs
$3,810
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 6 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1365 Crafton Ave Mentone, CA 1.0–3.0 1.0–2.0 830 $1,998 $2.41 12d 3 0.97mi
1365 Crafton Ave Mentone, CA 3.0 2.0 944 $2,248 $2.38 17d 2 0.97mi
1365 Crafton Ave #2017 Mentone, CA 3.0 2.0 944 $2,295 $2.43 17d 1 1.08mi
1365 Crafton Ave Unit 1015 Mentone, CA 1.0 1.0 716 $1,700 $2.37 3d 1 1.08mi
1342 Agate Ave Unit 1A Mentone, CA 2.0 1.0 700 $1,495 $2.14 4d 1 1.16mi
1318 Malachite Ave Unit C Mentone, CA 2.0 1.5 800 $1,995 $2.49 17d 1 1.23mi

Listing history 18 events

  1. 2026-06-21
    days on market $127,000 Active 98 DOM
  2. 2026-06-18
    days on market $127,000 Active 95 DOM
  3. 2026-06-17
    days on market $127,000 Active 94 DOM
  4. 2026-06-16
    days on market $127,000 Active 93 DOM
  5. 2026-06-15
    days on market $127,000 Active 92 DOM
  6. 2026-06-13
    days on market $127,000 Active 90 DOM
  7. 2026-06-13
    days on market $127,000 Active 89 DOM
  8. 2026-06-09
    days on market $127,000 Active 86 DOM
  9. 2026-06-08
    days on market $127,000 Active 85 DOM
  10. 2026-06-07
    days on market $127,000 Active 84 DOM
  11. 2026-06-04
    days on market $127,000 Active 81 DOM
  12. 2026-06-03
    days on market $127,000 Active 80 DOM
  13. 2026-06-02
    days on market $127,000 Active 79 DOM
  14. 2026-06-01
    days on market $127,000 Active 78 DOM
  15. 2026-05-31
    days on market $127,000 Active 77 DOM
  16. 2026-05-09
    price $127,000 1216-char remark
    Show marketing remark (1216 chars)

    Welcome to this beautifully upgraded 960 sq. ft. manufactured home located in the highly sought after Carriage Isle Senior Park in Mentone. This 2 bd 1.75 bath residence offers modern comfort and peace of mind in a premium 55+ community. The interior has been extensively renovated featuring a gourmet kitchen with a full suite of stainless-steel Samsung appliances and a primary suite anchored by a custom extra-large soaking tub with elegant marble tile. Significant high value mechanical upgrades include an $8000 tankless water heater, a whole house water filtration system, a recently serviced HVAC, and a five-year-old fire-retardant roof, backed by a 25-year parts warranty. Beyond the homes interior living in Carriage Isle provides a serene lifestyle with access to a community pool, clubhouse, and billiard room, all while being ideally situated near the amenities of Redlands. This move in ready home also features deep closets, separate storage, and a comprehensive security system, please note both the security and water filtration systems are owned, buyer to purchase filters and app for added security features. Don't miss this opportunity for high-end senior living in a quiet, well-maintained park.

  17. 2026-03-15
    listed $135,000 Active 1216-char remark
    Show marketing remark (1216 chars)

    Welcome to this beautifully upgraded 960 sq. ft. manufactured home located in the highly sought after Carriage Isle Senior Park in Mentone. This 2 bd 1.75 bath residence offers modern comfort and peace of mind in a premium 55+ community. The interior has been extensively renovated featuring a gourmet kitchen with a full suite of stainless-steel Samsung appliances and a primary suite anchored by a custom extra-large soaking tub with elegant marble tile. Significant high value mechanical upgrades include an $8000 tankless water heater, a whole house water filtration system, a recently serviced HVAC, and a five-year-old fire-retardant roof, backed by a 25-year parts warranty. Beyond the homes interior living in Carriage Isle provides a serene lifestyle with access to a community pool, clubhouse, and billiard room, all while being ideally situated near the amenities of Redlands. This move in ready home also features deep closets, separate storage, and a comprehensive security system, please note both the security and water filtration systems are owned, buyer to purchase filters and app for added security features. Don't miss this opportunity for high-end senior living in a quiet, well-maintained park.

  18. 2026-02-27
    historical $135,000 1216-char remark
    Show marketing remark (1216 chars)

    Welcome to this beautifully upgraded 960 sq. ft. manufactured home located in the highly sought after Carriage Isle Senior Park in Mentone. This 2 bd 1.75 bath residence offers modern comfort and peace of mind in a premium 55+ community. The interior has been extensively renovated featuring a gourmet kitchen with a full suite of stainless-steel Samsung appliances and a primary suite anchored by a custom extra-large soaking tub with elegant marble tile. Significant high value mechanical upgrades include an $8000 tankless water heater, a whole house water filtration system, a recently serviced HVAC, and a five-year-old fire-retardant roof, backed by a 25-year parts warranty. Beyond the homes interior living in Carriage Isle provides a serene lifestyle with access to a community pool, clubhouse, and billiard room, all while being ideally situated near the amenities of Redlands. This move in ready home also features deep closets, separate storage, and a comprehensive security system, please note both the security and water filtration systems are owned, buyer to purchase filters and app for added security features. Don't miss this opportunity for high-end senior living in a quiet, well-maintained park.

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

Climate risk First Street

  • 🌊 Flood 4/10 Moderate FEMA zone X · 22% chance over 30 yrs
  • 🔥 Wildfire 10/10 Extreme
  • 🌡 Heat 7/10 Severe 7 d/yr ≥100°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 36 unhealthy d/yr today · 43 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
$26,498
− Mortgage interest
−$7,114
− Property taxes
−$1,905
− Insurance
−$635
− Repairs & maintenance
−$2,120
− Management
−$2,120
− Depreciation
−$3,695
Taxable income
$8,910
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,138
After-tax cash flow
$8,263/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
Redlands Unified
NCES district ID
0632070
Math proficiency
44% ▼ -1.00%
Reading proficiency
57% ▼ -2.00%
Median HH income
$67,959
Composite
46.88/100
National rank
#5185
State rank
#390 of 1400 in CA

Livability — Mentone

Score
51/100
State rank
#1085
US rank
#25373

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Mentone, CA
County
San Bernardino County · 2,030,291 people
City population
9,284
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
9,284
Household income
$77,846
Rent vs Own
29.6% rent · 70.4% own
Severe rent burden
559.0

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 0.64)
Race & ethnicity
White 47% Hispanic / Latino 37% Two or more races 21% Black 5% Asian 4%
Hispanic origin (detail)
Mexican 33% Cuban 1%
Common ancestry
Iranian 4% Romanian 2% Slovak 2%
Foreign-born
9% · Canada
Languages at home
82% English-only · Spanish 14% Other Indo-European 2% Other Asian/Pacific 2%

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
▼ -87.44%
Current HPI
394.8946
Rent YoY
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

-5.9% since first listed
3 events — show timeline
  • 2026-05-09 Price Changed $127,000 CRMLS
  • 2026-03-15 Listed $135,000 CRMLS
  • 2026-02-27 Coming Soon $135,000 CRMLS

Property tax history

-4.0%/yr

Latest (2025): $117 · +5.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…