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3825 Valley Blvd #46
B Composite 73.64
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 +14.9/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Condition / age +3.8/5.0
  • Schools +3.5/10.0
  • Livability +2.9/5.0
  • Rent growth +2.6/5.0
  • Appreciation +2.5/10.0
  • Manufactured-home adj. -6.4

$69,888

3825 Valley Blvd #46 · Pomona, CA 91789
1 bd · 1.0 ba · 576 sqft · Manufactured · 165 Days on market
Manufactured home Built 1973 Good condition $121/sqft · 16% below area Est $84k · 16% under ↓ 22% since listing

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

Listing remarks MLS

Prime Walnut Mobile Home – Endless Potential! Move-in ready 1973 Skyline with 1 bedroom, 1 bath, and a bright, open layout. Features laminated floors, built-in stovetop, in-wall oven, refrigerator, and an outside shed for extra storage. Enjoy the community pool and on-site laundry, all in a prime location with easy access to Highways 57, 60, and 71 for OC, LA, or Inland Empire commutes. Close to Cal Poly, Mt. SAC, shopping, dining favorites like IN-N-OUT, Chipotle, Chick-fil-A, Pollo Loco, and more. Public transport and supermarkets just minutes away. Act fast—this home won’t last long! Schedule your showing today.

Key facts

  • On site laundry
  • Built in stovetop
  • Community pool

Tags

MOVE IN READYLAMINATED FLOORSBUILT IN STOVETOPIN WALL OVENCOMMUNITY POOLON SITE LAUNDRY

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath manufactured listed at $70k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $989 ($12k/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: $62k (12.0% below list) — sets the bar for market timing.
  • Cap rate 23.3% vs local median 2.6% in Pomona — 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 58/100 on livability (#676 in CA) — a working-class tenant base; expect higher turnover. Strengths: commute A+; Watch: crime F, amenities F, cost of living F.
  • Pomona Unified (suburban): math 12% / reading 31% proficiency, ranked #444 of 517 in CA (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Kellogg Polytechnic Elementary (430 students, 92% FRL); Marshall Middle (440 students, 97% FRL); Ganesha High (math 22% / reading 47%, grade F, #618 of 1,170 statewide, top 56%, 936 students, 96% FRL) — zoned schools average 95% FRL vs 73% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 34% at this address vs 22% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Pomona Unified average implies; a family-tenant draw the district grade alone would hide.
  • Market conditions: Rents flat; 165 active listings in the ZIP; 1 comparable units currently listed for rent nearby; high-income renter base; 19,697 units permitted in Los Angeles County in 2024 (9,426 in 5+ unit buildings).
  • This rent is only 18% of the median local income ($126k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Los Angeles County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 0.3% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 165 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
  • 2 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: major flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $61,501 (12.0% below list)

Questions for the listing agent

  1. It's been on market 165 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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?
  6. 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?
  7. 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.
  8. 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.
  9. 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
2.67%
Cap rate
23.28%
Cash-on-cash
60.66%
DSCR
3.70
GRM
3.1

CMA / ARV

ARV (median comp)
$83,548
List price
$69,888
Delta
-16.35%
Verdict
UNDERPRICED
Comps
2 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3825 Valley Blvd #55 0.05mi 1/1.0 560 (-3%) 9mo $74,000 $132 86
3825 VALLEY Blvd #11 0.02mi 2/1.0 (+1) 660 (+15%) 12mo $95,000 $144 60
3825 VALLEY Blvd #44 0.00mi 1/1.0 480 (-17%) 22mo $89,950 $187 56
3825 Valley Blvd #30 0.05mi 2/2.0 (+1) 690 (+20%) 14mo $150,000 $217 52
3825 Valley Blvd #41 0.05mi 2/1.0 (+1) 672 (+17%) 19mo $99,800 $149 52

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 · 0.35% rent growth · sell at horizon

5-year hold
IRR
56.4%
Equity multiple
3.39×
Total profit
$46,860
Equity at exit
$10,421
10-year hold
IRR
60.4%
Equity multiple
6.27×
Total profit
$103,203
Equity at exit
$6,043

Cash invested: $19,569 (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.

Active competition Active MLS

For sale now
1 active
Median asking
$117,000 ($173/sqft)
Median days on market
180 d
This list price
lowest-priced of the active set
ARV vs active asking
-16.3% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 91789

Rents YoY
0.3%
Active inventory
165
Price-to-rent
3.1×

Monthly cashflow live

Estimated rent
$1,863 medium interval (Pro) →
Mortgage (P&I)
$367
Tax est. 1.5%
$87 /mo · $1,048/yr
Insurance
$29
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$391
Net cashflow
$989

Break-even live

Break-even rent $611
Max offer price $69,888
Occupancy floor 42%

Sensitivity live

Price -10% $1,037 -5% $1,013 +0% $989 +5% $965 +10% $941
Rent -10% $842 -5% $916 +0% $989 +5% $1,063 +10% $1,136
Rate -1.0pp $1,024 -0.5pp $1,007 base $989 +0.5pp $971 +1.0pp $953

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
$17,472
Closing costs
$2,097
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
400 Appian Way Pomona, CA 2.0 1.0–2.0 624 $2,272 $3.64 0d 36 1.30mi

Listing history 50 events

  1. 2026-09-17
    days on market $69,888 Active 165 DOM
  2. 2026-09-16
    days on market $69,888 Active 164 DOM
  3. 2026-09-15
    days on market $69,888 Active 163 DOM
  4. 2026-09-14
    days on market $69,888 Active 162 DOM
  5. 2026-09-13
    days on market $69,888 Active 161 DOM
  6. 2026-09-12
    days on market $69,888 Active 160 DOM
  7. 2026-09-11
    days on market $69,888 Active 159 DOM
  8. 2026-09-05
    days on market $69,888 Active 153 DOM
  9. 2026-09-04
    days on market $69,888 Active 152 DOM
  10. 2026-09-02
    days on market $69,888 Active 150 DOM
  11. 2026-08-31
    days on market $69,888 Active 148 DOM
  12. 2026-08-29
    days on market $69,888 Active 146 DOM
  13. 2026-08-28
    days on market $69,888 Active 145 DOM
  14. 2026-08-27
    days on market $69,888 Active 144 DOM
  15. 2026-08-26
    days on market $69,888 Active 143 DOM
  16. 2026-08-25
    days on market $69,888 Active 142 DOM
  17. 2026-08-24
    days on market $69,888 Active 141 DOM
  18. 2026-08-23
    days on market $69,888 Active 140 DOM
  19. 2026-08-22
    days on market $69,888 Active 139 DOM
  20. 2026-08-21
    days on market $69,888 Active 138 DOM
  21. 2026-08-20
    days on market $69,888 Active 137 DOM
  22. 2026-08-19
    days on market $69,888 Active 136 DOM
  23. 2026-08-18
    days on market $69,888 Active 135 DOM
  24. 2026-08-17
    days on market $69,888 Active 134 DOM
  25. 2026-08-16
    days on market $69,888 Active 133 DOM
  26. 2026-08-15
    days on market $69,888 Active 132 DOM
  27. 2026-08-14
    remarks 693-char remark
  28. 2026-08-14
    days on market $69,888 Active 131 DOM
  29. 2026-08-13
    days on market $69,888 Active 130 DOM
  30. 2026-08-12
    days on market $69,888 Active 129 DOM
  31. 2026-08-11
    days on market $69,888 Active 128 DOM
  32. 2026-08-10
    days on market $69,888 Active 127 DOM
  33. 2026-08-09
    days on market $69,888 Active 126 DOM
  34. 2026-08-08
    days on market $69,888 Active 125 DOM
  35. 2026-08-06
    days on market $69,888 Active 123 DOM
  36. 2026-08-05
    days on market $69,888 Active 122 DOM
  37. 2026-08-04
    days on market $69,888 Active 121 DOM
  38. 2026-08-03
    price $69,888 Active 120 DOM
  39. 2026-07-14
    days on market $69,990 Active 120 DOM
  40. 2026-07-13
    days on market $69,990 Active 119 DOM
  41. 2026-07-13
    days on market $69,990 Active 118 DOM
  42. 2026-07-11
    days on market $69,990 Active 117 DOM
  43. 2026-07-10
    days on market $69,990 Active 116 DOM
  44. 2026-07-09
    days on market $69,990 Active 115 DOM
  45. 2026-07-07
    days on market $69,990 Active 113 DOM
  46. 2026-07-06
    days on market $69,990 Active 112 DOM
  47. 2026-07-06
    days on market $69,990 Active 111 DOM
  48. 2026-07-05
    days on market $69,990 Active 110 DOM
  49. 2026-07-03
    days on market $69,990 Active 109 DOM
  50. 2026-07-02
    days on market $69,990 Active 108 DOM

ⓘ 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 6/10 Major FEMA zone X (unshaded) · 71% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 7/10 Severe 7 d/yr ≥99°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 13 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
$22,361
− Mortgage interest
−$3,915
− Property taxes
−$1,048
− Insurance
−$349
− Repairs & maintenance
−$1,789
− Management
−$1,789
− Depreciation
−$2,033
Taxable income
$11,438
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,745
After-tax cash flow
$9,124/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 75/100 Cosmetic rehab Est. rehab $2,880–$8,640 screening

This move-in ready mobile home offers a good condition with updated interiors and a prime location. Minor cosmetic updates could further enhance its value.

Value-add opportunities

  • Both Paint exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace window screens — Screens improve energy efficiency and security
  • Both Install smart home devices — Enhances home automation and energy management

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 34/100

Zoned Schools

Elementary Kellogg Polytechnic Elementary Middle Marshall Middle High Ganesha High F CA #618/1,170 Nat'l #9,639/17,239

Schools (NCES district)

District
Pomona Unified
NCES district ID
0631320
Math proficiency
12% ▼ -15.00%
Reading proficiency
31% ▼ -10.00%
Median HH income
$54,839
Composite
19.54/100
National rank
#8761
State rank
#444 of 517 in CA
D Composite livability gradescore 58/100

Livability — Pomona

Score
58/100
State rank
#676
US rank
#20782

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Pomona, CA
County
Los Angeles County · 10,940,515 people
City population
152,679
Metro
Los Angeles-Long Beach-Anaheim, CA
Population (ZIP)
40,298
Household income
$125,720
Rent vs Own
17.9% rent · 82.1% own
Severe rent burden
13% of renters

Population outlook (Los Angeles County) Hauer SSP2

Today (2025)
10,940,515 people
By 2030
11,256,481 · +2.9%
By 2040
11,729,929 · +7.2%
By 2050
11,948,407 · +9.2%
By 2075
11,818,114 · +8.0%
By 2100
10,842,928 · -0.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Asian (67%)
Race & ethnicity
Asian 67% Hispanic / Latino 18% White 9% Two or more races 7% Black 2%
Hispanic origin (detail)
Mexican 15%
Foreign-born
51% · China, South Korea, Canada
Languages at home
33% English-only · Chinese 38% Spanish 9% Tagalog/Filipino 6%

Political lean MEDSL · Los Angeles

2024 margin
Solid D (+32.9) · D 64.8% · R 31.9% · Other 3.3%
2008→2024 swing
-7.4pp toward R · 2008: 40.4pp · 2024: 32.9pp
All cycles
2024: D+32.9 2020: D+44.2 2016: D+48.0 2012: D+40.0 2008: D+40.4

Not yet ingested

Civics

Price history

-22.2% since first listed
5 events — show timeline
  • 2026-03-16 Listed $69,990 CRMLS
  • 2022-08-19 Sold (MLS) $85,000 CRMLS
  • 2022-08-17 Pending CRMLS
  • 2022-07-26 Contingent CRMLS
  • 2022-06-10 Listed $89,950 CRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…