6316 Isleta Rd · Twentynine Palms, CA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 8/10 · Major
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 5/10 · Moderate
- Unhealthy air days now
- 8 days/yr
- Unhealthy air days in 30 yrs
- 11 days/yr
Risk factors via First Street. Map © Google.
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 +25.1/30.0
- DSCR +8.2/10.0
- ARV discount +7.5/15.0
- 1% rule +5.6/10.0
- Rent growth +3.6/5.0
- Livability +3.0/5.0
- Condition / age +2.5/5.0
- Schools +2.2/10.0
- Appreciation +0.0/10.0
$162,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
Unlock the potential of this 2-bedroom, 2-bath home located in the heart of 29 Palms. Whether you're an investor, flipper, or buyer looking to create your own desert retreat, this property offers a fantastic opportunity to add value through renovation and updates. Situated on a generously sized lot, the home features plenty of room to customize to your vision. With some TLC, this property could become a charming primary residence, vacation getaway, or income-producing rental. Conveniently located near local amenities, the Marine Corps base, and the entrance to Joshua Tree National Park, this home is ideally positioned to take advantage of the area's growing popularity and demand. Property i
Key facts
- Generously sized lot
- Local amenities
- 2.5 acre lot
Tags
Property features AI
Finance
- HOA & community: Rural community setting
Exterior
- Utilities: Sewer or septic: unknown; Water source: see remarks
- Home design: House; Single-story; Has a view
- Construction: Year built reported by assessor; No common walls (detached)
- Exterior features: Corner lot; No pool
Interior
- Kitchen: Kitchen (details in remarks)
- Bedrooms: 2 main floor bedrooms
- Bathrooms: 1 full bath; 1 three-quarter bath
- Heating & cooling: Central cooling
- Interior features: One-level layout with front door entry; Main floor has 2 bedrooms and 2 bathrooms; Living room with fireplace; Rooms include kitchen and living room
- Laundry & utility: Has laundry (see remarks for details)
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath single-family listed at $162k.
Deal economics
- At list price, monthly cash flow is $357 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $162k).
- Cap rate 8.9% vs local median 4.3% in Twentynine Palms — 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 59/100 on livability (#622 in CA) — a working-class tenant base; expect higher turnover. Strengths: commute A+, housing A+; Watch: schools D, amenities F, employment 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 (+4.5%/yr); 734 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% 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 34% of the median local income ($61k/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 + 4.5% rent growth), your $45k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
- Current owner paid $11k; list at $162k implies a 1373% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.06% ✓
- Cap rate
- 8.94%
- Cash-on-cash
- 9.45%
- DSCR
- 1.42
- GRM
- 7.9
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 4.45% rent growth · sell at horizon
- IRR
- -0.6%
- Equity multiple
- 0.98×
- Total profit
- $-1,008
- Equity at exit
- $24,155
- IRR
- 10.4%
- Equity multiple
- 1.86×
- Total profit
- $38,924
- Equity at exit
- $14,007
Cash invested: $45,360 (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
ZIP-level market 92277
- Home prices YoY
- -3.1%
- Rents YoY
- 4.5%
- Active inventory
- 734
- Price-to-rent
- 7.9×
Monthly cashflow live
- Estimated rent
- $1,711 medium interval (Pro) →
- Mortgage (P&I)
- −$850
- Tax from tax record
- −$77 /mo · $923/yr
- Insurance
- −$68
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$359
- Net cashflow
- $357
Break-even live
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
- $40,500
- Closing costs
- $4,860
- 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 4 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 6935 Wilshire Ave Unit 29 Twentynine Palms, CA | 3.0 | 2.0 | 1156 | $1,950 | $1.69 | 15d | 1 | 0.84mi |
| 6966 Park Ave Unit 29 Twentynine Palms, CA | 3.0 | 2.0 | 1156 | $1,950 | $1.69 | 1d | 1 | 0.85mi |
| 75047 Baseline Rd Twentynine Palms, CA | 2.0 | 1.0 | 952 | $1,850 | $1.94 | 43d | 1 | 1.46mi |
| 74875 Alta Loma Dr Twentynine Palms, CA | 2.0 | 1.0 | 775 | $1,400 | $1.81 | 43d | 1 | 1.48mi |
Listing history 8 events
-
2026-06-18days on market $162,000 Active 9 DOM
-
2026-06-17days on market $162,000 Active 8 DOM
-
2026-06-16days on market $162,000 Active 7 DOM
-
2026-06-15days on market $162,000 Active 6 DOM
-
2026-06-13days on market $162,000 Active 4 DOM
-
2026-06-13days on market $162,000 Active 3 DOM
-
2026-06-10remarks 699-char remark
-
2026-06-10$162,000 Active 1 DOM
ⓘ 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
- $923 · $77/mo
- Projected year-2 tax
- $1,231 · $103/mo
- Expected delta
- +$309/yr (+$26/mo · 33.5%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 8/10 Severe 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 5/10 Major 8 unhealthy d/yr today · 11 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
- $20,526
- − Mortgage interest
- −$9,075
- − Property taxes
- −$923
- − Insurance
- −$810
- − Repairs & maintenance
- −$1,642
- − Management
- −$1,642
- − Depreciation
- −$4,713
- Taxable income
- $1,722
- Est. tax owed @ 24.0%
- −$413
- After-tax cash flow
- $3,875/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
- 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 — Twentynine Palms
- Score
- 59/100
- State rank
- #622
- US rank
- #19731
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Twentynine Palms, CA
- County
- San Bernardino County · 2,030,291 people
- City population
- 26,277
- Metro
- Riverside-San Bernardino-Ontario, CA
- Population (ZIP)
- 26,277
- Household income
- $60,901
- Rent vs Own
- Severe rent burden
- 1057.0
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 0.70)
- Race & ethnicity
- White 49% Two or more races 24% Hispanic / Latino 24% Black 9% Asian 4% Pacific Islander 1% Native American 1%
- Hispanic origin (detail)
- Mexican 20%
- Common ancestry
- Italian 5% Lithuanian 3% Slovak 3%
- Foreign-born
- 9% · Canada, China, South Korea
- Languages at home
- 81% English-only · Spanish 12% Other Asian/Pacific 2% Tagalog/Filipino 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
- ▼ -12.15%
- Current HPI
- 380.5083
- Rent YoY
- ▲ 4.45%
- 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 |
|
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| Financial Services | 3 | $174B |
|
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| Retail | 3 | $44B |
|
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| Insurance | 3 | $26B |
|
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| Media / Entertainment | 2 | $115B |
|
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
+1372.7% since first listed2 events — show timeline
- 2026-06-09 Listed $162,000 CRMLS
- 1992-05-15 Sold (Public Records) $11,000 Public Records
Property tax history
+3.0%/yrLatest (2025): $923 · +6.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…