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7501 Palm Ave #131
B Composite 70.25
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
  • Condition / age +4.0/5.0
  • Rent growth +3.5/5.0
  • Livability +3.0/5.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$129,900

7501 Palm Ave #131 · Yucca Valley, CA 92284
3 bd · 2.0 ba · 1,400 sqft · Manufactured · 401 Days on market
Built 2024 Good condition $93/sqft · 161% above area ↓ 21% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

Key facts

  • Easy access
  • Brand new appliances
  • Centrally located

Tags

BRAND NEW APPLIANCESDOUBLE PANE WINDOWSWASHER DRYER HOOKUPSQUIET TRANQUIL COMMUNITYCENTRALLY LOCATEDEASY ACCESS

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 $130k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $809 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $130k).
  • Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
  • Cap rate 13.8% vs local median 3.6% in Yucca Valley — 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 (#566 in CA) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+; Watch: cost of living D+, schools F, crime D-.
  • Morongo Unified (town): math 15% / reading 38% proficiency, ranked #395 of 517 in CA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising fast (+4.1%/yr); 563 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
  • This rent runs 44% of the median local income ($58k/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 $898 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 + 4.1% 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 401 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $114,312 (12.0% below list)

Questions for the listing agent

  1. It's been on market 401 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. Crime grade is D 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
1.66%
Cap rate
13.77%
Cash-on-cash
26.70%
DSCR
2.19
GRM
5.0

CMA / ARV

ARV (median comp)
$49,753
List price
$129,900
Delta
161.09%
Verdict
OVERPRICED
Comps
16 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7425 Church St #28 0.31mi 3/2.0 1,404 (+0%) 1mo $63,500 $45 84
7501 Palm Ave #179 0.04mi 2/2.0 (-1) 1,430 (+2%) 14mo $100,000 $70 78
7501 Palm Ave #165 0.07mi 2/2.0 (-1) 1,344 (-4%) 9mo $50,000 $37 78
7501 Palm Ave #97 0.07mi 2/2.0 (-1) 1,440 (+3%) 11mo $65,000 $45 78
7425 Church St #10 0.31mi 2/2.0 (-1) 1,440 (+3%) 2mo $47,500 $33 74
7501 Palm Ave #74 0.07mi 2/2.0 (-1) 1,248 (-11%) 2mo $37,000 $30 72
7425 Church St #149 0.43mi 2/2.0 (-1) 1,420 (+1%) 0mo $39,997 $28 72
7425 Church St #111 0.31mi 2/2.0 (-1) 1,344 (-4%) 2mo $47,500 $35 72
7501 Palm Ave #103 0.07mi 2/2.0 (-1) 1,248 (-11%) 6mo $46,000 $37 69
7425 Church St #67 0.37mi 2/2.0 (-1) 1,344 (-4%) 6mo $64,997 $48 66
7425 Church St Spc 104 0.31mi 2/2.0 (-1) 1,340 (-4%) 14mo $69,900 $52 62
7425 Church St Spc 131 0.31mi 3/2.0 1,500 (+7%) 14mo $70,000 $47 61

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 · 4.12% rent growth · sell at horizon

5-year hold
IRR
21.8%
Equity multiple
1.91×
Total profit
$32,979
Equity at exit
$19,369
10-year hold
IRR
30.6%
Equity multiple
3.90×
Total profit
$105,544
Equity at exit
$11,231

Cash invested: $36,372 (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 92284

Home prices YoY
-33.1%
Rents YoY
4.1%
Active inventory
563
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$2,161 high interval (Pro) →
Mortgage (P&I)
$681
Tax est. 1.5%
$162 /mo · $1,948/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$454
Net cashflow
$809

Break-even live

Break-even rent $1,136
Max offer price $129,900
Occupancy floor 58%

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
$32,475
Closing costs
$3,897
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 17 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
7448 Del Rio Vis Yucca Valley, CA 3.0 4.0 1770 $2,500 $1.41 43d 1 0.16mi
7397 Village Way Yucca Valley, CA 3.0 2.0 1501 $2,000 $1.33 43d 1 0.24mi
7496 Church St Yucca Valley, CA 2.0 2.0 987 $1,850 $1.87 18d 1 0.51mi
7154 Barberry Ave Unit A Yucca Valley, CA 3.0 2.0 1100 $2,049 $1.86 18d 1 0.63mi
7453 Dumosa Ave Yucca Valley, CA 3.0 2.0 1394 $2,200 $1.58 43d 1 0.64mi
57004 Antelope Trl Yucca Valley, CA 2.0 2.0 1143 $2,050 $1.79 43d 1 0.66mi
7028 Cholla Ave Yucca Valley, CA 3.0 2.0 1200 $1,895 $1.58 4d 1 0.74mi
56594 Joshua Dr Yucca Valley, CA 3.0 2.0 1307 $2,250 $1.72 43d 1 0.75mi
7616 Apache Trl Yucca Valley, CA 2.0 1.0 1008 $1,900 $1.88 43d 1 0.78mi
6963 Tamarisk Ave Yucca Valley, CA 3.0 2.0 1200 $1,500 $1.25 18d 1 0.82mi
56565 Sunnyslope Dr Yucca Valley, CA 3.0 2.0 1000 $1,800 $1.80 43d 1 0.86mi
56615 Bonanza Dr Yucca Valley, CA 2.0 1.5 1342 $1,900 $1.42 16d 1 0.94mi
55897 Santa Fe Trl Yucca Valley, CA 3.0 2.0 1701 $2,300 $1.35 1d 1 1.00mi
56811 Desert Gold Dr Yucca Valley, CA 3.0 2.0 1375 $2,095 $1.52 43d 1 1.10mi
57472 Primrose Dr Unit 3 Yucca Valley, CA 2.0 2.0 1020 $1,600 $1.57 43d 1 1.13mi
7420 Geronimo Trl Yucca Valley, CA 3.0 1.0 1280 $1,700 $1.33 43d 1 1.28mi
8523 Barberry Ave Yucca Valley, CA 3.0 2.0 1448 $3,325 $2.30 43d 1 1.39mi

Listing history 19 events

  1. 2026-06-18
    days on market $129,900 Active 401 DOM
  2. 2026-06-17
    pricedays on market $129,900 Active 400 DOM
  3. 2026-06-16
    days on market $149,900 Active 399 DOM
  4. 2026-06-15
    days on market $149,900 Active 398 DOM
  5. 2026-06-13
    days on market $149,900 Active 396 DOM
  6. 2026-06-13
    days on market $149,900 Active 395 DOM
  7. 2026-06-09
    days on market $149,900 Active 392 DOM
  8. 2026-06-08
    days on market $149,900 Active 391 DOM
  9. 2026-06-07
    days on market $149,900 Active 390 DOM
  10. 2026-06-04
    days on market $149,900 Active 387 DOM
  11. 2026-06-03
    days on market $149,900 Active 386 DOM
  12. 2026-06-02
    days on market $149,900 Active 385 DOM
  13. 2026-06-01
    days on market $149,900 Active 384 DOM
  14. 2026-05-31
    days on market $149,900 Active 383 DOM
  15. 2026-02-20
    price $149,900 936-char remark
    Show marketing remark (936 chars)

    Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

  16. 2025-10-21
    price $159,900 936-char remark
    Show marketing remark (936 chars)

    Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

  17. 2025-10-02
    price $169,900 936-char remark
    Show marketing remark (936 chars)

    Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

  18. 2025-07-23
    price $179,900 936-char remark
    Show marketing remark (936 chars)

    Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

  19. 2025-05-13
    listed $189,000 Active 936-char remark
    Show marketing remark (936 chars)

    Don't miss this gorgeous, recently built mobile home that offers the perfect blend of modern comfort and timeless design! Nestled in the peaceful Gates of Spain mobile home park, this spacious unit features brand new appliances, double pane windows, three bedrooms, two bathrooms, washer/dryer hookups, boasts a bright, spacious layout with a like-new feel throughout. This unit is perfect for someone interested in settling into a quiet, tranquil 55+ community. Weather you are looking forward to relaxing on your porch surrounded by blue skies, taking a quick drive to the local shops, or going for a hike, this home not only has it all, it is centrally located in the heart of Yucca Valley offering easy access to everything you need for comfortable daily living. | Seller is offering a concession of $675 space rent for the first year, $775 space rent for the second year, market rate the third year. | Seller financing available!

ⓘ 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 (unshaded) · 22% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 6/10 Major 7 d/yr ≥97°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 7/10 Severe 13 unhealthy d/yr today · 17 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
$25,927
− Mortgage interest
−$7,276
− Property taxes
−$1,948
− Insurance
−$650
− Repairs & maintenance
−$2,074
− Management
−$2,074
− Depreciation
−$3,779
Taxable income
$8,125
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,950
After-tax cash flow
$7,760/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 recently built mobile home in Yucca Valley is in excellent condition with modern updates and a great location. It's move-in ready and offers a good return on investment.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace carpet with hardwood flooring in bedrooms — Hardwood flooring is more durable and adds value
  • Both Install smart home automation — Enhances comfort and energy efficiency

Renovation cost estimate screening

Value-add ROI direction

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace carpet with hardwood flooring in bedrooms — Hardwood flooring is more durable and adds value
  • Both Install smart home automation — Enhances comfort and energy efficiency

ⓘ 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
Morongo Unified
NCES district ID
0625860
Math proficiency
15% ▼ -12.00%
Reading proficiency
38% ▼ -3.00%
Median HH income
$39,399
Composite
22.19/100
National rank
#8156
State rank
#395 of 517 in CA

Livability — Yucca Valley

Score
60/100
State rank
#566
US rank
#18584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Yucca Valley, CA
County
San Bernardino County · 2,030,291 people
City population
25,415
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
25,415
Household income
$58,373
Rent vs Own
34.1% rent · 65.9% own
Severe rent burden
1132.0

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 0.55)
Race & ethnicity
White 62% Hispanic / Latino 25% Two or more races 18% Black 2% Native American 2% Asian 2% Pacific Islander 1%
Hispanic origin (detail)
Mexican 20%
Common ancestry
Italian 4% Romanian 2% Slovak 2%
Foreign-born
9% · Canada
Languages at home
82% English-only · Spanish 14% Other Indo-European 1% Other Asian/Pacific 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
▼ -241.13%
Current HPI
486.7185
Rent YoY
▲ 4.12%
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

-20.7% since first listed
5 events — show timeline
  • 2026-02-20 Price Changed $149,900 CRMLS
  • 2025-10-21 Price Changed $159,900 CRMLS
  • 2025-10-02 Price Changed $169,900 CRMLS
  • 2025-07-23 Price Changed $179,900 CRMLS
  • 2025-05-13 Listed $189,000 CRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…