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25372 Jade Rd
B Composite 73.38
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 +15.0/15.0
  • DSCR +10.0/10.0
  • 1% rule +8.9/10.0
  • Rent growth +3.1/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.4/10.0
  • Appreciation +0.0/10.0

$119,000

25372 Jade Rd · Lenwood, CA 92311
3 bd · 1.0 ba · 990 sqft · SingleFamily public records · 21 Days on market
Built 1960 0.29 ac lot Est $209k · 43% under

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

Listing remarks MLS

Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

Key facts

  • 0.29 acre lot
  • Built 1960
  • Listed 21 days

Property features AI

Finance

  • Other: Single-unit property
  • Financial info: Special assessments
  • HOA & community: Rural community

Exterior

  • Utilities: Public/district water; Sewer: none listed; Natural gas available; Electricity available
  • Home design: Single-story house; Entry at ground level; No accessory dwelling unit
  • Construction: Year built per assessor; No common walls (detached)
  • Exterior features: House structure; No pool; Lot approximately 63 ft x 200 ft (10,000–19,999 sqft); Paved road frontage with access via city streets

Interior

  • Kitchen: No appliances listed
  • Bedrooms: Three bedrooms on the main level
  • Bathrooms: One full bathroom with a bathtub
  • Interior features: Single-level living; All bedrooms located on the main level; Has a view
  • Laundry & utility: No laundry facilities listed

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 3-bed/1.0-bath single-family listed at $119k.

Deal economics

  • At list price, monthly cash flow is $579 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $119k).
  • Recommended offer: $117k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 50/100 on livability (#1,118 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A+; Watch: schools F, crime F, amenities F.
  • Barstow Unified (town): math 11% / reading 22% proficiency, ranked #482 of 517 in CA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising (+2.3%/yr); 343 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
  • This rent runs 32% of the median local income ($62k/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 $823 of loan paydown is wiped out by about $4k 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 + 2.3% rent growth), your $33k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 21 days — a 2% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 18y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $17k; list at $119k implies a 600% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $117,215 (1.5% below list)

Questions for the listing agent

  1. Built in 1960 — 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. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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
1.39%
Cap rate
12.13%
Cash-on-cash
20.86%
DSCR
1.93
GRM
6.0

CMA / ARV

ARV (on-the-fly)
$208,890
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
25298 Jade 0.10mi 3/1.0 950 (-4%) 2mo $200,000 $211 87
35208 Walnut St 0.20mi 3/2.0 990 (0%) 4mo $210,000 $212 83
25488 Jade 0.15mi 2/1.0 (-1) 1,008 (+2%) 3mo $187,000 $186 82
25587 Jade Rd 0.24mi 3/1.0 1,008 (+2%) 5mo $235,000 $233 82
35216 Maple St 0.15mi 3/1.0 950 (-4%) 10mo $50,000 $53 78
25244 Jade Rd 0.16mi 3/1.0 950 (-4%) 10mo $215,000 $226 77
35241 Cedar Rd 0.31mi 3/1.0 988 (-0%) 15mo $52,000 $53 72
34915 Cedar Rd 0.45mi 3/1.0 1,008 (+2%) 10mo $100,000 $99 67
25526 Jade Rd 0.18mi 3/1.0 1,128 (+14%) 3mo $150,000 $133 66
35341 Western Dr 0.44mi 3/1.5 1,049 (+6%) 8mo $220,000 $210 61
35275 Cedar Rd 0.32mi 2/2.0 (-1) 960 (-3%) 14mo $220,000 $229 59
25466 Jasper 0.60mi 3/1.5 922 (-7%) 3mo $220,000 $239 56

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 · 2.32% rent growth · sell at horizon

5-year hold
IRR
12.5%
Equity multiple
1.49×
Total profit
$16,447
Equity at exit
$17,743
10-year hold
IRR
20.9%
Equity multiple
2.71×
Total profit
$57,137
Equity at exit
$10,289

Cash invested: $33,320 (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 92311

Home prices YoY
-30.6%
Rents YoY
2.3%
Active inventory
343
Price-to-rent
6.0×

Monthly cashflow live

Estimated rent
$1,648 medium interval (Pro) →
Mortgage (P&I)
$624
Tax from tax record
$49 /mo · $594/yr
Insurance
$50
HOA
$0
Vacancy / Maint / Mgmt
$346
Net cashflow
$579

Break-even live

Break-even rent $915
Max offer price $119,000
Occupancy floor 60%

Sensitivity live

Price -10% $647 -5% $613 +0% $579 +5% $545 +10% $512
Rent -10% $449 -5% $514 +0% $579 +5% $644 +10% $709
Rate -1.0pp $639 -0.5pp $609 base $579 +0.5pp $548 +1.0pp $517

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
$29,750
Closing costs
$3,570
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 2 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
35205 Birch Rd Barstow, CA 3.0 1.0 1100 $1,500 $1.36 44d 1 0.11mi
3325 Jasper Rd Barstow, CA 2.0 1.0–2.0 916 $1,460 $1.59 0d 4 0.69mi

Listing history 25 events

  1. 2026-06-18
    days on market $119,000 Active 21 DOM
  2. 2026-06-17
    days on market $119,000 Active 20 DOM
  3. 2026-06-16
    days on market $119,000 Active 19 DOM
  4. 2026-06-15
    pricestatus $119,000 Active 18 DOM
  5. 2026-06-13
    statusdays on market $122,000 Pending Sale 18 DOM
  6. 2026-06-09
    days on market $122,000 Active 16 DOM
  7. 2026-06-08
    pricedays on market $122,000 Active 15 DOM
  8. 2026-06-07
    days on market $124,000 Active 14 DOM
  9. 2026-06-04
    pricedays on market $124,000 Active 11 DOM
  10. 2026-06-03
    days on market $129,000 Active 10 DOM
  11. 2026-06-02
    days on market $129,000 Active 9 DOM
  12. 2026-05-22
    listed $129,000 Active
  13. 2009-03-31
    soldstatus $17,000 Closed 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  14. 2009-03-03
    soldstatus $17,000 89-char remark
    Show marketing remark (89 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs furnace

  15. 2009-03-03
    soldstatus $17,000
    Show marketing remark (89 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs furnace

  16. 2009-02-03
    historical 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  17. 2009-01-21
    price $19,900 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  18. 2008-12-19
    price $24,900 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  19. 2008-11-01
    price $39,900 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  20. 2008-10-15
    price $44,900 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  21. 2008-09-17
    listed $69,000 88-char remark
    Show marketing remark (88 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs funace

  22. 2008-09-09
    listed $19,900 89-char remark
    Show marketing remark (89 chars)

    Great investment opportunity! Fixer! Three bedroom 1 bath home in Barstow - Needs furnace

  23. 2006-08-08
    soldstatus $140,000
  24. 2002-10-24
    soldstatus $20,000
  25. 1975-02-04
    soldstatus $16,000

ⓘ 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
$594 · $49/mo
Projected year-2 tax
$904 · $75/mo
Expected delta
+$311/yr (+$26/mo · 52.3%)

ⓘ 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 3/10 Moderate
  • 🌡 Heat 8/10 Severe 6 d/yr ≥103°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 14 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
$19,781
− Mortgage interest
−$6,666
− Property taxes
−$594
− Insurance
−$595
− Repairs & maintenance
−$1,582
− Management
−$1,582
− Depreciation
−$3,462
Taxable income
$5,300
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,272
After-tax cash flow
$5,678/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
Barstow Unified
NCES district ID
0604020
Math proficiency
11% ▼ -7.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$44,505
Composite
14.44/100
National rank
#9430
State rank
#482 of 517 in CA

Livability — Lenwood

Score
50/100
State rank
#1118
US rank
#25618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Lenwood, CA
County
San Bernardino County · 2,030,291 people
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
33,954
Household income
$61,862
Rent vs Own
50.0% rent · 50.0% own
Severe rent burden
1305.0

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 0.68)
Race & ethnicity
Hispanic / Latino 46% White 29% Two or more races 22% Black 15% Native American 3% Asian 2% Pacific Islander 1%
Hispanic origin (detail)
Mexican 39% Puerto Rican 2%
Common ancestry
Portuguese 1% Lithuanian 1% Italian 1%
Foreign-born
9% · Canada, South Korea
Languages at home
77% English-only · Spanish 20% Tagalog/Filipino 1% Other Indo-European 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
▼ -139.26%
Current HPI
316.4858
Rent YoY
▲ 2.32%
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

Price history

+706.2% since first listed
14 events — show timeline
  • 2026-05-22 Listed $129,000 CRMLS
  • 2009-03-31 Sold (MLS) $17,000 CRMLS
  • 2009-03-03 Sold (MLS) $17,000 CRMLS
  • 2009-03-03 Sold (MLS) $17,000 AVMLS
  • 2009-02-03 Listing Removed CRMLS
  • 2009-01-21 Price Changed $19,900 CRMLS
  • 2008-12-19 Price Changed $24,900 CRMLS
  • 2008-11-01 Price Changed $39,900 CRMLS
  • 2008-10-15 Price Changed $44,900 CRMLS
  • 2008-09-17 Listed $69,000 CRMLS
  • 2008-09-09 Listed $19,900 AVMLS
  • 2006-08-08 Sold (Public Records) $140,000 Public Records
  • 2002-10-24 Sold (MLS) $20,000 CRMLS
  • 1975-02-04 Sold (Public Records) $16,000 Public Records

Property tax history

-4.2%/yr

Latest (2025): $594 · +1.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…