24414 University Ave #44 · Loma Linda, CA 92354

$175,000

3 bd · 2.0 ba · 1,248 sqft · Manufactured · 7 Days on market

Built 1977 Good condition Est $154k · 14% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• Condition / age +4.0/5.0
• Livability +3.3/5.0
• Rent growth +3.2/5.0
• Schools +2.4/10.0
• ARV discount +1.2/15.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to your next home sweet home in the highly sought-after University Mobile Home Estates- an unbeatable location just minutes from Loma Linda University, Loma Linda University Medical Center, and VA Hospital. Step inside to discover a bright, open floor plan featuring luxury plank flooring throughout, fresh interior paint, updated lighting, and an abundance of natural light. The stunning kitchen remodel is finished with quartz countertops, shaker-style cabinetry, accented with subway tile backsplash, stainless steel appliances, a large center island, and ample storage—perfect for both everyday living and entertaining. The primary suite offers a private retreat with an updated va

Key facts

• Community pool
• Built 1977
• Listed 7 days

Property features AI

Finance

• Other: Living area listed as estimated; Mobile home remains on property; Built year source: Other
• HOA & community: Located in University Mobile Home Estates; Community features include biking paths and a dog park; Land lease: $950 (park)

Exterior

• Parking: Carport; Parking available in the park
• Utilities: Public sewer; District/public water
• Home design: Mobile home (12' x 52') — double wide; Updated/remodeled condition; 1 story
• Construction: Aluminum exterior construction
• Exterior features: Covered patio; Open patio; Community pool; Vinyl skirt

Interior

• Kitchen: Quartz counters; Kitchen island; Gas range; Dishwasher; Water heater unit
• Flooring: Laminated flooring
• Bathrooms: 2 full bathrooms; Bathtub; Shower-in-tub
• Heating & cooling: Central furnace
• Interior features: Front door entry; Entry level: 1
• Laundry & utility: Laundry area in kitchen; Has laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $175k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $651 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Cap rate 10.8% vs local median 2.7% in Loma Linda — 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 66/100 on livability (#335 in CA) — a middle-class / working-renter tenant base. Strengths: commute A+; Watch: employment C-, health & safety C-, amenities D-.
• Colton Joint Unified (suburban): math 16% / reading 38% proficiency, ranked #373 of 517 in CA (top 72%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+2.7%/yr); 53 active listings in the ZIP; 39 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 ($84k/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 $1k of loan paydown is wiped out by about $5k 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 + 2.7% rent growth), your $49k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major 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 $175,000

Questions for the listing agent

1. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.35% ✓
• Cap rate: 10.75%
• Cash-on-cash: 15.94%
• DSCR: 1.71
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $153,504
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
24414 University Ave #150	0.15mi	3/2.0	1,296 (+4%)	4mo	$220,000	$170	84
24414 University Ave #145	0.03mi	2/2.0 (-1)	1,344 (+8%)	5mo	$115,000	$86	76
24414 University Ave #62	0.15mi	3/2.0	1,128 (-10%)	3mo	$172,000	$152	75
24414 University Ave #46	0.03mi	3/2.0	1,344 (+8%)	14mo	$165,000	$123	75
24414-12 University Ave #12	0.03mi	2/2.0 (-1)	1,344 (+8%)	12mo	$140,000	$104	71
24414 University Ave #104	0.15mi	2/2.0 (-1)	1,344 (+8%)	10mo	$155,000	$115	67
24414 University Ave #57	0.15mi	3/2.0	1,164 (-7%)	20mo	$165,000	$142	65

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 · 2.74% rent growth · sell at horizon

5-year hold

• IRR: 6.6%
• Equity multiple: 1.26×
• Total profit: $12,506
• Equity at exit: $26,093

10-year hold

• IRR: 15.7%
• Equity multiple: 2.26×
• Total profit: $61,890
• Equity at exit: $15,131

Cash invested: $49,000 (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.

Methodology + full state rankings →

ZIP-level market 92354

• Rents YoY: 2.7%
• Active inventory: 53
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $2,355 high
• Mortgage (P&I): −$918
• Tax est. 1.5%: −$219 /mo · $2,625/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $651

Break-even live

Break-even rent $1,531

Max offer price $175,000

Occupancy floor 67%

Sensitivity live

Price	-10% $772	-5% $711	+0% $651	+5% $590	+10% $530
Rent	-10% $465	-5% $558	+0% $651	+5% $744	+10% $837
Rate	-1.0pp $739	-0.5pp $695	base $651	+0.5pp $605	+1.0pp $559

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 39 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
24458 University Ave Loma Linda, CA	2.0	1.0	1035	$2,500	$2.42	15d	1	0.06mi
11171 Oakwood Dr Loma Linda, CA	1.0–2.0	1.0–2.0	801	$2,330	$2.91	17d	14	0.14mi
540 Wier Rd San Bernardino, CA	2.0	1.0	786	$1,995	$2.54	6d	1	0.18mi
10976 Rincon St Loma Linda, CA	2.0	1.0	850	$1,900	$2.24	25d	1	0.22mi
10979 Rincon St Loma Linda, CA	2.0	1.0	1000	$1,750	$1.75	44d	1	0.23mi
10932 Rincon St Unit 10934 Loma Linda, CA	2.0	1.0	900	$1,850	$2.06	15d	1	0.27mi
11286 San Mateo Dr Loma Linda, CA	3.0	1.0	1100	$2,800	$2.55	0d	1	0.27mi
24570 Stewart St Loma Linda, CA	2.0	2.0	935	$1,972	$2.11	44d	1	0.27mi
10916 Rincon St Loma Linda, CA	2.0	1.0	850	$1,750	$2.06	5d	1	0.29mi
10914 Rincon St Loma Linda, CA	2.0	1.0	850	$1,650	$1.94	5d	1	0.29mi
11444 Campus St Unit A Loma Linda, CA	2.0	2.0	1000	$3,000	$3.00	0d	1	0.56mi
116 N Plymouth Way San Bernardino, CA	3.0	2.5	1459	$3,100	$2.12	44d	1	0.89mi
11170 Richmont Rd Loma Linda, CA	2.0	1.0	900	$1,995	$2.22	44d	1	0.90mi
25130 Starr St Loma Linda, CA	2.0	1.0	750	$1,995	$2.66	44d	1	0.91mi
1333 Reche Canyon Rd Colton, CA	1.0–2.0	1.0–2.0	935	$1,962	$2.10	0d	10	0.93mi
25181 Starr St Unit 181 Loma Linda, CA	2.0	1.0	1300	$1,975	$1.52	19d	1	0.97mi
25193 Starr St Loma Linda, CA	2.0	1.0	900	$2,095	$2.33	44d	1	0.99mi
2255 Cahuilla St Colton, CA	1.0–2.0	1.0–2.0	982	$2,195	$2.24	25d	3	1.03mi
2255 Cahuilla St Colton, CA	1.0–2.0	1.0–2.0	989	$2,350	$2.38	3d	3	1.03mi
2255 Cahuilla St Colton, CA	1.0–2.0	1.0–2.0	978	$2,095	$2.14	6d	4	1.03mi
10670 Ohio St Unit A Loma Linda, CA	2.0	1.0	900	$1,900	$2.11	25d	1	1.04mi
2270 Cahuilla St Colton, CA	1.0–2.0	1.0–2.0	820	$2,095	$2.55	3d	9	1.07mi
1170 Mohave Dr Colton, CA	2.0	2.0	1472	$2,295	$1.56	25d	1	1.08mi
1189 Mohave Dr Colton, CA	2.0	2.0	1272	$2,500	$1.97	44d	1	1.18mi
10623 Poplar St Unit 3 Loma Linda, CA	2.0	1.0	950	$2,000	$2.11	25d	1	1.18mi
62 Willa St Loma Linda, CA	3.0	2.0	1300	$2,500	$1.92	2d	1	1.24mi
62 Willa St Unit Na Loma Linda, CA	3.0	2.0	1300	$2,500	$1.92	0d	1	1.24mi
63 Ernie St Unit Na Loma Linda, CA	2.0	1.5	850	$2,200	$2.59	44d	1	1.28mi
11 Grube St Unit Na Loma Linda, CA	2.0	2.0	850	$2,100	$2.47	18d	1	1.28mi
1-1 Grube St Loma Linda, CA	2.0	2.0	850	$2,100	$2.47	25d	1	1.28mi
1140 Valley Spring Ln Colton, CA	3.0	2.0	1500	$3,100	$2.07	25d	1	1.29mi
25452 Cole St Unit Xx Loma Linda, CA	2.0	1.0	850	$2,025	$2.38	44d	1	1.32mi
1314 E Laurelwood Dr San Bernardino, CA	4.0	2.0	1150	$2,800	$2.43	0d	1	1.33mi
10740 Coloma St Loma Linda, CA	3.0	2.0	1332	$3,100	$2.33	19d	1	1.34mi
25380 Park Ave Unit 7 Loma Linda, CA	2.0	1.0	800	$1,695	$2.12	44d	1	1.38mi
25590 Prospect Ave Loma Linda, CA	2.0–3.0	2.5	1125	$2,850	$2.53	0d	11	1.41mi
1855 Topeka Way Colton, CA	2.0	2.0	800	$2,645	$3.31	6d	1	1.43mi
1423 Willow Tree Ln San Bernardino, CA	3.0	2.0	1101	$2,495	$2.27	44d	1	1.43mi
10540 Coloma St Loma Linda, CA	2.0	3.0	1197	$2,500	$2.09	44d	1	1.44mi

Listing history 8 events

1. 2026-06-18
   days on market $175,000 Active 7 DOM
2. 2026-06-17
   days on market $175,000 Active 6 DOM
3. 2026-06-16
   days on market $175,000 Active 5 DOM
4. 2026-06-15
   days on market $175,000 Active 4 DOM
5. 2026-06-13
   days on market $175,000 Active 2 DOM
6. 2026-06-13
   status $175,000 Active 1 DOM
7. 2026-06-09
   remarks 693-char remark
8. 2026-06-09
   listed $175,000 Coming Soon 1 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥101°F today · 21 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 25 unhealthy d/yr today · 31 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,254
• − Mortgage interest: −$9,803
• − Property taxes: −$2,625
• − Insurance: −$875
• − Repairs & maintenance: −$2,260
• − Management: −$2,260
• − Depreciation: −$5,091
• Taxable income: $5,340
• Est. tax owed @ 24.0%: −$1,282
• After-tax cash flow: $6,527/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 manufactured home in University Mobile Home Estates is in good condition with a fresh paint job and updated kitchen and bath. It's move-in ready with minor maintenance needed for exterior and landscaping.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value
• Both Trim landscaping — Improves curb appeal and enhances property value

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior siding — Enhances curb appeal and value ↑
• Both Trim landscaping — Improves curb appeal and enhances property value ↑

ⓘ 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: Colton Joint Unified
• NCES district ID: 0609390
• Math proficiency: 16% ▼ -9.00%
• Reading proficiency: 38% ▼ -1.00%
• Median HH income: $51,178
• Composite: 23.74/100
• National rank: #7820
• State rank: #373 of 517 in CA

Livability — Loma Linda

• Score: 66/100
• State rank: #335
• US rank: #11546

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Loma Linda, CA
• County: San Bernardino County · 2,030,291 people
• City population: 22,051
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 22,051
• Household income: $83,847
• Rent vs Own: 59.9% rent · 40.1% own
• Severe rent burden: 1375.0

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: Highly diverse neighborhood (Simpson 0.75)
• Race & ethnicity: White 31% Hispanic / Latino 28% Asian 27% Two or more races 12% Black 10% Native American 1%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Lithuanian 2% Iranian 1% Italian 1%
• Foreign-born: 28% · Canada, South Korea, China
• Languages at home: 55% English-only · Spanish 18% Other Asian/Pacific 8% Tagalog/Filipino 5%

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: ▼ -395.36%
• Current HPI: 362.4305
• Rent YoY: ▲ 2.74%
• 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
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

1 event — show timeline

• 2026-06-08 Coming Soon $175,000 CRMLS