1010 Terrace Rd #185 · Rialto, CA 92410

$160,000

2 bd · 2.0 ba · 1,440 sqft · Manufactured public records · 154 Days on market

Built 1976 $111/sqft · 11% below area Est $180k · 11% under $3/mo HOA

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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 +12.4/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +3.9/5.0
• Schools +3.1/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

A double wide coach in the very desirable Ramrod Senior Park. This is a large 1440 sq. ft. coach with a family room and a living room. This coach is a Silvercrest by Kingswood, built in 1976. This coach has central heating and a newer air conditioning unit for your comfort. The stove, refrigerator, dishwasher, washer and dryer, and shed to remain with the coach. The kitchen has tile floors and the rest of the coach has laminate flooring. The master bedroom bath was remodeled with a new walk in shower and marble counter tops. Ramrod Park is a senior park for seniors over 60 years old, it is gated and has security patrol.

Key facts

• Central heating
• Laminate flooring
• Tile floors

Tags

• FAMILY ROOM
• LIVING ROOM
• CENTRAL HEATING
• NEWER AIR CONDITIONING UNIT
• TILE FLOORS
• LAMINATE FLOORING

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $160k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $160k).
• Recommended offer: $141k (12.0% below list) — sets the bar for market timing.
• Cap rate 14.1% vs local median 3.5% in Rialto — 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 (#598 in CA) — a middle-class / working-renter tenant base. Strengths: housing A+, commute A-; Watch: schools F, crime F, amenities D-.
• Rialto Unified (suburban): math 25% / reading 46% proficiency, ranked #268 of 517 in CA (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.5%/yr); 88 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
• At $2,720/mo this rent would consume 60% of the median local household income ($54k/yr) (locally 2569% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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 + 5.5% rent growth), your $45k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 154 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 16y 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: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 154 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 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.70% ✓
• Cap rate: 14.09%
• Cash-on-cash: 27.86%
• DSCR: 2.24
• GRM: 4.9

CMA / ARV

• ARV (median comp): $179,709
• List price: $160,000
• Delta: -10.97%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1010 Terrace Rd #72	0.12mi	2/2.0	1,440 (0%)	11mo	$137,500	$95	86
1010 Terrace Rd #109	0.12mi	2/2.0	1,440 (0%)	12mo	$120,000	$83	85
1010 Terrace Rd #145	0.12mi	2/2.0	1,440 (0%)	12mo	$156,900	$109	84
1010 Terrace Rd #173	0.12mi	2/2.0	1,440 (0%)	12mo	$179,900	$125	84
1010 Terrace # 22 Rd	0.12mi	3/2.0 (+1)	1,344 (-7%)	2mo	$170,000	$126	76
1010 Terrace Rd #175	0.12mi	3/2.0 (+1)	1,420 (-1%)	18mo	$160,000	$113	72
1010 Terrace Rd #19	0.12mi	3/2.0 (+1)	1,344 (-7%)	8mo	$185,000	$138	72
1010 Terrace Rd #195	0.12mi	2/2.0	1,344 (-7%)	18mo	$150,000	$112	68
1010 Terrace #17	0.12mi	2/2.0	1,248 (-13%)	6mo	$165,000	$132	68
1010 Terrace Rd #107	0.12mi	2/2.0	1,344 (-7%)	20mo	$130,000	$97	67
1010 Terrace Rd #119	0.12mi	3/2.0 (+1)	1,500 (+4%)	19mo	$125,000	$83	66

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 · 5.5% rent growth · sell at horizon

5-year hold

• IRR: 24.8%
• Equity multiple: 2.06×
• Total profit: $47,371
• Equity at exit: $23,857

10-year hold

• IRR: 34.1%
• Equity multiple: 4.50×
• Total profit: $157,011
• Equity at exit: $13,834

Cash invested: $44,800 (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 92410

• Home prices YoY: -9.7%
• Rents YoY: 5.5%
• Active inventory: 88
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $2,720 high
• Mortgage (P&I): −$839
• Tax est. 1.5%: −$200 /mo · $2,400/yr
• Insurance: −$67
• HOA: −$3
• Vacancy / Maint / Mgmt: −$571
• Net cashflow: $1,040

Break-even live

Break-even rent $1,403

Max offer price $160,000

Occupancy floor 57%

Sensitivity live

Price	-10% $1,151	-5% $1,095	+0% $1,040	+5% $985	+10% $929
Rent	-10% $825	-5% $933	+0% $1,040	+5% $1,148	+10% $1,255
Rate	-1.0pp $1,121	-0.5pp $1,081	base $1,040	+0.5pp $999	+1.0pp $956

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
550 E Foothill Blvd Rialto, CA	1.0–3.0	1.0–2.0	874	$2,808	$3.21	6d	8	1.07mi
2616 W 2nd St San Bernardino, CA	3.0	2.5	1560	$3,275	$2.10	0d	1	1.09mi
176 N Sutter Ave San Bernardino, CA	3.0	2.5	1560	$3,300	$2.12	0d	1	1.11mi
114 N Lassen Ave San Bernardino, CA	3.0	2.5	1561	$3,225	$2.07	11d	1	1.17mi
370 E Virginia St Rialto, CA	1.0	1.0	1750	$875	$0.50	19d	1	1.19mi
249 E Jackson St Unit B Rialto, CA	3.0	2.0	1427	$2,965	$2.08	6d	1	1.23mi
249 E Jackson St Unit C Rialto, CA	3.0	2.0	1190	$2,980	$2.50	44d	1	1.23mi
619 N Gardena St San Bernardino, CA	3.0	2.0	1000	$2,900	$2.90	6d	1	1.24mi

HOA detail

• Monthly dues: $3 · $36/yr
• Likely covers: security

Listing history 22 events

1. 2026-06-21
   days on market $160,000 Active 154 DOM
2. 2026-06-18
   days on market $160,000 Active 151 DOM
3. 2026-06-17
   days on market $160,000 Active 150 DOM
4. 2026-06-16
   days on market $160,000 Active 149 DOM
5. 2026-06-15
   days on market $160,000 Active 148 DOM
6. 2026-06-13
   days on market $160,000 Active 146 DOM
7. 2026-06-13
   days on market $160,000 Active 145 DOM
8. 2026-06-09
   days on market $160,000 Active 142 DOM
9. 2026-06-08
   days on market $160,000 Active 141 DOM
10. 2026-06-07
    days on market $160,000 Active 140 DOM
11. 2026-06-04
    days on market $160,000 Active 137 DOM
12. 2026-06-03
    days on market $160,000 Active 136 DOM
13. 2026-06-02
    days on market $160,000 Active 135 DOM
14. 2026-06-01
    days on market $160,000 Active 134 DOM
15. 2026-05-31
    days on market $160,000 Active 133 DOM
16. 2026-01-18
    listed $160,000 Active 627-char remark

    Show marketing remark (627 chars)

    A double wide coach in the very desirable Ramrod Senior Park. This is a large 1440 sq. ft. coach with a family room and a living room. This coach is a Silvercrest by Kingswood, built in 1976. This coach has central heating and a newer air conditioning unit for your comfort. The stove, refrigerator, dishwasher, washer and dryer, and shed to remain with the coach. The kitchen has tile floors and the rest of the coach has laminate flooring. The master bedroom bath was remodeled with a new walk in shower and marble counter tops. Ramrod Park is a senior park for seniors over 60 years old, it is gated and has security patrol.

17. 2018-10-04
    historical
18. 2018-06-21
    listed $119,950 Active
19. 2012-08-14
    historical
20. 2012-04-15
    listed $65,900 Active
21. 2011-03-29
    historical
22. 2010-10-24
    listed $85,000 Active

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥102°F today · 19 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: $32,640
• − Mortgage interest: −$8,962
• − Property taxes: −$2,400
• − Insurance: −$800
• − Repairs & maintenance: −$2,611
• − Management: −$2,611
• − HOA: −$36
• − Depreciation: −$4,655
• Taxable income: $10,564
• Est. tax owed @ 24.0%: −$2,535
• After-tax cash flow: $9,945/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: Rialto Unified
• NCES district ID: 0632370
• Math proficiency: 25% ▲ 3.00%
• Reading proficiency: 46% ▲ 10.00%
• Median HH income: $50,916
• Composite: 30.77/100
• National rank: #6154
• State rank: #268 of 517 in CA

Livability — Rialto

• Score: 60/100
• State rank: #598
• US rank: #19283

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rialto, CA
• County: San Bernardino County · 2,030,291 people
• City population: 105,208
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 47,869
• Household income: $54,181
• Rent vs Own: 58.3% rent · 41.7% own
• Severe rent burden: 2569.0

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: Predominantly Hispanic (80%)
• Race & ethnicity: Hispanic / Latino 80% Two or more races 12% Black 8% White 7% Asian 3%
• Hispanic origin (detail): Mexican 70%
• Common ancestry: Romanian 0%
• Foreign-born: 29% · Canada, Vietnam, Jamaica
• Languages at home: 32% English-only · Spanish 65% Vietnamese 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: ▼ -54.39%
• Current HPI: 504.0299
• Rent YoY: ▲ 5.50%
• 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

+88.2% since first listed

7 events — show timeline

• 2026-01-18 Listed $160,000 CRMLS
• 2018-10-04 Listing Removed — CRMLS
• 2018-06-21 Listed $119,950 CRMLS
• 2012-08-14 Listing Removed — CRMLS
• 2012-04-15 Listed $65,900 CRMLS
• 2011-03-29 Listing Removed — CRMLS
• 2010-10-24 Listed $85,000 CRMLS

Property tax history

-8.8%/yr

Latest (2018): $89 · -1.4% YoY. Source: county tax records.