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5866 Robin Oak Dr
C+ Composite 63.29
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 +20.2/30.0
  • ARV discount +15.0/15.0
  • Appreciation +6.7/10.0
  • DSCR +6.4/10.0
  • 1% rule +5.0/10.0
  • Schools +2.9/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Livability +2.0/5.0

$249,900

5866 Robin Oak Dr · Oak Glen, CA 92305
2 bd · 1.0 ba · 1,334 sqft · SingleFamily public records · 27 Days on market
Built 1987 6,000 sqft lot $187/sqft · 30% below area Est $391k · 36% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Experience the magic of all four seasons in picturesque Angelus Oaks, where vibrant autumn colors, crisp mountain air, and peaceful winter snowfall create a truly unforgettable setting. Privately tucked away from the road among towering pines and majestic oaks, this three-story mountain retreat offers the perfect balance of comfort, character, and serene natural beauty. The welcoming entry level features a cozy family room centered around a charming wood-burning stove, creating the ideal space to relax after a day outdoors. This level also includes a convenient laundry area and additional storage, thoughtfully designed for practical mountain living. Central heating and the wood-burning stov

Key facts

  • Wraparound deck
  • Wood burning stove
  • 6,000 sq ft lot

Tags

WOOD BURNING STOVEWRAPAROUND DECKPRIVATE LOFT STYLE BEDROOMSECLUDED THIRD FLOOR DECKSTRIKING BLACK FRONT DOORBREATHTAKING FOREST VIEWS

Property features AI

Finance

  • Financial info: Special assessments
  • HOA & community: Rural community

Exterior

  • Parking: Uncovered parking for 4 vehicles; Paved driveway (asphalt)
  • Utilities: Public (district) water; Public sewer (connected/available); Electricity on property (connected/available); Propane available
  • Home design: House; Three or more levels; Entry at level 1
  • Construction: Composition roof; No common walls; One unit; Year built per assessor
  • Exterior features: Deck/patio; Fenced (see remarks); No pool; Secluded lot, up slope from street; Paved driveway and paved road frontage; Access via county road; Has view

Interior

  • Kitchen: Remodeled kitchen; Kitchen open to family room; Free-standing range; Eating area
  • Bedrooms: Two main-level bedrooms
  • Flooring: See remarks
  • Bathrooms: One full bathroom (remodeled) with shower-in-tub
  • Heating & cooling: Fireplace heating; Fireplaces in living room and family room
  • Interior features: Balcony; Living room balcony; Built-ins; High ceilings (9+ feet); Cathedral/vaulted ceilings; Open floor plan; Storage space; Two staircases; Double pane windows; Two or more access exits
  • Laundry & utility: Dedicated laundry room

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 single-family listed at $250k.

Deal economics

  • At list price, monthly cash flow is $316 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $250k).
  • Recommended offer: $246k (1.5% below list) — sets the bar for market timing.
  • Cap rate 7.8% vs local median 3.6% in Oak Glen — 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 40/100 on livability (#1,386 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A+, crime A; Watch: schools D, amenities F, commute F.
  • Bear Valley Unified (town): math 26% / reading 43% proficiency, ranked #289 of 517 in CA (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 33 active listings in the ZIP; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).

Forward outlook

  • In year one you build about $10k of equity ($2k loan paydown + $9k appreciation (3.5% local appreciation)).
  • San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (3.5% appreciation + 3.0% rent growth), your $70k cash investment doubles in ~5 years — after that, you're playing with house money.
  • By year 4, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 27 days — a 2% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 22y 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.
  • Current owner paid $165k; list at $250k implies a 51% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: severe wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $246,151 (1.5% below list)

Questions for the listing agent

  1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  2. 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?
  3. 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.
  4. 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.
  5. 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
1.00%
Cap rate
7.81%
Cash-on-cash
5.43%
DSCR
1.24
GRM
8.3

CMA / ARV

ARV (median comp)
$390,820
List price
$249,900
Delta
-23.52%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
6034 Mountain Home Creek Rd 0.19mi 2/1.0 1,323 (-1%) 21mo $385,000 $291 73
6069 Maple 0.29mi 3/1.0 (+1) 1,518 (+14%) 1mo $383,000 $252 58
6301 Cedar Ave 0.59mi 2/2.0 1,452 (+9%) 4mo $465,000 $320 51

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.46% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
13.7%
Equity multiple
1.81×
Total profit
$56,333
Equity at exit
$118,837
10-year hold
IRR
15.3%
Equity multiple
3.36×
Total profit
$164,946
Equity at exit
$188,341

Cash invested: $69,972 (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 92305

Home prices YoY
1.1%
Active inventory
33
Price-to-rent
8.3×

Monthly cashflow live

Estimated rent
$2,504 medium interval (Pro) →
Mortgage (P&I)
$1,311
Tax from tax record
$247 /mo · $2,962/yr
Insurance
$104
HOA
$0
Vacancy / Maint / Mgmt
$526
Net cashflow
$316

Break-even live

Break-even rent $2,103
Max offer price $249,900
Occupancy floor 82%

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
$62,475
Closing costs
$7,497
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.

Listing history 24 events

  1. 2026-06-18
    days on market $249,900 Active 27 DOM
  2. 2026-06-17
    days on market $249,900 Active 26 DOM
  3. 2026-06-16
    days on market $249,900 Active 25 DOM
  4. 2026-06-15
    days on market $249,900 Active 24 DOM
  5. 2026-06-13
    days on market $249,900 Active 22 DOM
  6. 2026-06-13
    days on market $249,900 Active 21 DOM
  7. 2026-06-09
    days on market $249,900 Active 18 DOM
  8. 2026-06-08
    days on market $249,900 Active 17 DOM
  9. 2026-06-07
    days on market $249,900 Active 16 DOM
  10. 2026-06-04
    days on market $249,900 Active 13 DOM
  11. 2026-06-03
    days on market $249,900 Active 12 DOM
  12. 2026-06-02
    days on market $249,900 Active 11 DOM
  13. 2026-06-01
    days on market $249,900 Active 10 DOM
  14. 2026-05-31
    days on market $249,900 Active 9 DOM
  15. 2026-03-19
    listed $298,900 Active 1539-char remark
  16. 2026-03-06
    historical
  17. 2025-12-09
    price $299,900
  18. 2025-11-13
    listed $349,900 Active
  19. 2004-06-08
    soldstatus $165,000
  20. 2004-06-08
    soldstatus $165,000
  21. 2004-05-03
    listed $175,000
  22. 1983-02-11
    soldstatus $11,000
  23. 1981-03-05
    soldstatus $10,000
  24. 1981-03-05
    soldstatus $10,000

ⓘ 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
$2,962 · $247/mo
Projected year-2 tax
$2,962 · $247/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 D · 0% chance over 30 yrs
  • 🔥 Wildfire 8/10 Severe
  • 🌡 Heat 2/10 Low 10 d/yr ≥87°F today · 29 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 37 unhealthy d/yr today · 43 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
$30,043
− Mortgage interest
−$13,998
− Property taxes
−$2,962
− Insurance
−$1,250
− Repairs & maintenance
−$2,403
− Management
−$2,403
− Depreciation
−$7,270
Taxable loss
−$244
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$58
After-tax cash flow
$3,855/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
Bear Valley Unified
NCES district ID
0604230
Math proficiency
26% ▼ -4.00%
Reading proficiency
43% ▼ -4.00%
Median HH income
$42,222
Composite
29.12/100
National rank
#6588
State rank
#289 of 517 in CA

Livability — Oak Glen

Score
40/100
State rank
#1386
US rank
#27266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
371

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
Predominantly White (87%)
Race & ethnicity
White 87% Two or more races 6% Hispanic / Latino 6% Asian 2%
Hispanic origin (detail)
Mexican 4%
Common ancestry
Scotch-Irish 5% Iranian 3% Russian 2%
Foreign-born
5%
Languages at home
79% English-only · Russian/Polish/Slavic 21%

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
▲ 3.46%
Current HPI
307.1726
Rent YoY
Metro
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+2399.0% since first listed
12 events — show timeline
  • 2026-05-22 Listed $249,900 CRMLS
  • 2026-05-20 Listing Removed CRMLS
  • 2026-03-19 Listed $298,900 CRMLS
  • 2026-03-06 Listing Removed CRMLS
  • 2025-12-09 Price Changed $299,900 CRMLS
  • 2025-11-13 Listed $349,900 CRMLS
  • 2004-06-08 Sold (Public Records) $165,000 Public Records
  • 2004-06-08 Sold (MLS) $165,000 CRMLS
  • 2004-05-03 Listed $175,000 CRMLS
  • 1983-02-11 Sold (Public Records) $11,000 Public Records
  • 1981-03-05 Sold (Public Records) $10,000 Public Records
  • 1981-03-05 Sold (Public Records) $10,000 Public Records

Property tax history

+2.3%/yr

Latest (2025): $2,962 · +3.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…