CashFlowRE
Sign in Sign up
1245 W Cienega Ave #125
C Composite 58.06
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 +20.1/30.0
  • ARV discount +10.9/15.0
  • Schools +8.0/10.0
  • DSCR +6.6/10.0
  • 1% rule +5.1/10.0
  • Condition / age +4.0/5.0
  • Livability +3.6/5.0
  • Appreciation +2.5/10.0
  • Rent growth +2.3/5.0
  • Manufactured-home adj. -5.0

$229,999

1245 W Cienega Ave #125 · San Dimas, CA 91773
2 bd · 2.0 ba · 1,534 sqft · Manufactured public records · 87 Days on market
Manufactured home likely 55+ (park) Built 2004 Good condition $150/sqft · 6% below area Est $249k · 8% under

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

Listing remarks

Morning light filters through the windows as coffee brews in a kitchen designed for easy conversation and unhurried mornings. The open living spaces create a natural flow for quiet evenings, casual dinners, and weekends spent relaxing at home. Built in 2004, this 2-bedroom, 1 3/4 bath residence offers thoughtful comfort with generous room sizes, abundant natural light, and a layout that feels both functional and inviting. The primary suite provides a calm retreat with its own quite spacious private bath, while the second bedroom offers flexibility for guests, hobbies, or a home office.

Key facts

  • Open living spaces
  • Access to spa
  • Access to clubhouse

Tags

OPEN LIVING SPACESACCESS TO CLUBHOUSEACCESS TO POOLACCESS TO SPAACCESS TO FITNESS CENTERACCESS TO GUEST PARKING

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 2-bed/2.0-bath manufactured listed at $230k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $515 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $230k).
  • Recommended offer: $216k (6.0% below list) — sets the bar for market timing.
  • Cap rate 9.0% vs local median 2.7% in San Dimas — 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 72/100 on livability (#192 in CA) — a middle-class / working-renter tenant base. Strengths: employment A+, commute A; Watch: cost of living F, health & safety F.
  • Bonita Unified (suburban): math 59% / reading 70% proficiency, ranked #151 of 1,400 in CA (top 11%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Gladstone Elementary (515 students, 30% FRL); Lone Hill Middle (912 students, 40% FRL); San Dimas High (math 70% / reading 90%, grade A, #41 of 1,170 statewide, top 4%, 1,251 students, 34% FRL).
  • Zoned-school proficiency averages 80% at this address vs 64% district-wide (+15 pts) — the actual schools serving this property are materially stronger than the Bonita Unified average implies; a family-tenant draw the district grade alone would hide.
  • Market conditions: Rents soft (-1.0%/yr); 107 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals lingering (median 48d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 19,697 units permitted in Los Angeles County in 2024 (9,426 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

  • It's been on market 87 days — a 6% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 6y 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 wildfire 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 $216,199 (6.0% below list)

Questions for the listing agent

  1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  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
1.03%
Cap rate
8.98%
Cash-on-cash
9.61%
DSCR
1.43
GRM
8.1

CMA / ARV

ARV (median comp)
$248,750
List price
$229,999
Delta
-7.54%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1245 W Cienega Ave #60 0.00mi 2/2.0 1,592 (+4%) 0mo $90,000 $57 94
1245 W Cienega #220 0.00mi 3/2.0 (+1) 1,568 (+2%) 1mo $220,000 $140 90
1245 W Cienega Ave #46 0.00mi 3/2.0 (+1) 1,512 (-1%) 3mo $270,000 $179 90
1245 W Cienega Ave #128 0.01mi 2/2.0 1,440 (-6%) 0mo $175,000 $122 89
1245 W Cienega Ave #212 0.00mi 3/2.0 (+1) 1,652 (+8%) 1mo $285,000 $173 82
1245 W Cienega #104 0.00mi 2/2.0 1,344 (-12%) 0mo $250,000 $186 79
1635 W Covina #53 0.52mi 3/2.0 (+1) 1,484 (-3%) 5mo $285,000 $192 62
1630 W Covina Blvd #65 0.60mi 2/2.0 1,392 (-9%) 3mo $215,000 $154 54
1205 Cypress St #148 0.44mi 3/2.0 (+1) 1,344 (-12%) 0mo $185,000 $138 53
1205 Cypress St #126 0.44mi 3/2.0 (+1) 1,344 (-12%) 1mo $300,000 $223 53
1205 Cypress St #115 0.53mi 2/2.0 1,344 (-12%) 2mo $215,000 $160 53
1630 W Covina Blvd #7 0.60mi 3/2.0 (+1) 1,368 (-11%) 0mo $182,500 $133 49

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-4.9%
Equity multiple
0.82×
Total profit
$-11,482
Equity at exit
$34,294
10-year hold
IRR
1.3%
Equity multiple
1.08×
Total profit
$5,034
Equity at exit
$19,886

Cash invested: $64,400 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
8 active · 15 under contract
Months of supply
3.7 mo (27%/mo absorbed)
Median asking
$199,500 ($171/sqft)
Median days on market
109 d
This list price
75% of active listings are priced below it
ARV vs active asking
-4.9% vs current asking $/sqft

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

ZIP-level market 91773

Rents YoY
-1.0%
Active inventory
107
Price-to-rent
8.1×

Monthly cashflow live

Estimated rent
$2,366 high interval (Pro) →
Mortgage (P&I)
$1,206
Tax from tax record
$52 /mo · $623/yr
Insurance
$96
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$497
Net cashflow
$515

Break-even live

Break-even rent $1,714
Max offer price $229,999
Occupancy floor 73%

Sensitivity live

Price -10% $646 -5% $581 +0% $515 +5% $450 +10% $385
Rent -10% $329 -5% $422 +0% $515 +5% $609 +10% $702
Rate -1.0pp $631 -0.5pp $574 base $515 +0.5pp $456 +1.0pp $395

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
$57,500
Closing costs
$6,900
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 25 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
21332 E Arrow Hwy Unit 307 Covina, CA 3.0 2.0 1334 $3,200 $2.40 15d 1 0.36mi
21332 E Arrow Hwy Unit 211 Covina, CA 2.0 2.0 1100 $2,850 $2.59 20d 1 0.36mi
21332 E Arrow Hwy Unit 104 Covina, CA 3.0 2.0 1334 $3,202 $2.40 28d 1 0.36mi
21332 E Arrow Hwy Unit 302 Covina, CA 2.0 2.0 1100 $2,850 $2.59 28d 1 0.36mi
1189 Strawberry Ln Glendora, CA 2.0 2.5 1292 $2,900 $2.24 93d 1 0.48mi
1430 W Badillo St San Dimas, CA 3.0 1.5 1200 $3,000 $2.50 48d 1 0.52mi
1471 Cypress St San Dimas, CA 2.0 2.0 1127 $900 $0.80 56d 1 0.53mi
1447 S Valley Center Ave Glendora, CA 3.0 2.0 1345 $3,500 $2.60 25d 1 0.65mi
1746 S Sunflower Ave Unit 7 Glendora, CA 2.0 2.0 1100 $2,400 $2.18 28d 1 0.78mi
1746 S Sunflower Ave Unit 10 Glendora, CA 2.0 1.5 1100 $2,400 $2.18 93d 1 0.78mi
644 Pearlanna Dr San Dimas, CA 3.0 1.5 1350 $3,500 $2.59 46d 1 0.95mi
522 W 4th St San Dimas, CA 3.0 1.0 1113 $3,550 $3.19 93d 1 1.01mi
608 Claraday St Glendora, CA 3.0 2.5 1600 $3,500 $2.19 93d 1 1.16mi
432 W Caldwell Ct San Dimas, CA 2.0 3.0 1502 $3,100 $2.06 93d 1 1.17mi
1242 Lyman Ave Glendora, CA 3.0 2.0 1808 $3,900 $2.16 26d 1 1.29mi
807 Avenida Loma Vis San Dimas, CA 3.0 2.0 1740 $4,500 $2.59 59d 1 1.29mi
970 Sandstone Dr Glendora, CA 2.0 2.0 1145 $3,100 $2.71 17d 1 1.29mi
220 W 1st St San Dimas, CA 3.0 1.0 1200 $845 $0.70 66d 1 1.32mi
235 W 4th St San Dimas, CA 3.0 2.0 1200 $3,300 $2.75 0d 1 1.36mi
204 San Luis Rey Dr San Dimas, CA 2.0 2.5 1287 $3,165 $2.46 43d 1 1.40mi
204 San Luis Rey Dr San Dimas, CA 2.0 3.0 1287 $3,165 $2.46 54d 1 1.40mi
974 N Darfield Ave Covina, CA 3.0 2.0 1416 $3,000 $2.12 16d 1 1.42mi
20254 E Arrow Hwy Unit B Covina, CA 3.0 2.5 1477 $3,100 $2.10 73d 1 1.43mi
20240 E Arrow Hwy Unit D Covina, CA 3.0 2.5 1477 $3,350 $2.27 93d 1 1.44mi
502 San Pablo Ct San Dimas, CA 2.0 2.0 1092 $2,850 $2.61 48d 1 1.48mi

Property features AI

Finance

Other
Park name: Cienega Valley EstatesManager approval for tenancy may be required
Financial info
Land lease (park) - $1,749 monthly (land lease)Rent includes trash and pool
HOA & community
Community poolSport courtRecreational/multipurpose roomGym/exercise roomOnsite property managementCommon RV parkingTrash service (included in rent/land lease)Pet rules (call for details)Call for association rules

Exterior

Parking
Covered tandem carportConcrete drivewayTwo parking spaces (includes 2 carport spaces)
Security
Gated community (onsite property management noted in HOA)
Utilities
Public sewerDistrict/public waterNatural gas connectedElectricity connected
Home design
Mobile home (model: Westwood)Double-wide body typeSingle story
Construction
Mobile home remains on siteMobile dimensions approx. 26 ft wide by 60 ft longOne shed on propertyYear built (per public records)
Exterior features
Open patioIn-ground community poolStorage buildingClose to clubhouseFaces north

Interior

Flooring
Laminated floors
Bathrooms
One full bathroomOne 3/4 bathroom
Heating & cooling
Central coolingCentral furnace heating
Interior features
Gated communityDouble pane windowsOne-level home
Laundry & utility
Washer includedDryer includedWasher hookupGas dryer hookupDedicated laundry room

Listing history 50 events

  1. 2026-08-08
    days on market $229,999 Active 87 DOM
  2. 2026-08-06
    days on market $229,999 Active 85 DOM
  3. 2026-08-05
    days on market $229,999 Active 84 DOM
  4. 2026-08-04
    days on market $229,999 Active 83 DOM
  5. 2026-08-03
    days on market $229,999 Active 82 DOM
  6. 2026-07-31
    days on market $229,999 Active 79 DOM
  7. 2026-07-30
    days on market $229,999 Active 78 DOM
  8. 2026-07-30
    days on market $229,999 Active 77 DOM
  9. 2026-07-28
    days on market $229,999 Active 76 DOM
  10. 2026-07-26
    days on market $229,999 Active 74 DOM
  11. 2026-07-24
    days on market $229,999 Active 72 DOM
  12. 2026-07-23
    days on market $229,999 Active 71 DOM
  13. 2026-07-22
    days on market $229,999 Active 70 DOM
  14. 2026-07-21
    days on market $229,999 Active 69 DOM
  15. 2026-07-20
    days on market $229,999 Active 68 DOM
  16. 2026-07-18
    days on market $229,999 Active 66 DOM
  17. 2026-07-18
    days on market $229,999 Active 65 DOM
  18. 2026-07-16
    days on market $229,999 Active 64 DOM
  19. 2026-07-15
    days on market $229,999 Active 63 DOM
  20. 2026-07-14
    days on market $229,999 Active 62 DOM
  21. 2026-07-14
    price $229,999 Active 61 DOM
  22. 2026-07-13
    days on market $240,000 Active 61 DOM
  23. 2026-07-13
    days on market $240,000 Active 60 DOM
  24. 2026-07-11
    days on market $240,000 Active 59 DOM
  25. 2026-07-10
    days on market $240,000 Active 58 DOM
  26. 2026-07-09
    days on market $240,000 Active 57 DOM
  27. 2026-07-07
    days on market $240,000 Active 55 DOM
  28. 2026-07-06
    days on market $240,000 Active 54 DOM
  29. 2026-07-06
    days on market $240,000 Active 53 DOM
  30. 2026-07-05
    days on market $240,000 Active 52 DOM
  31. 2026-07-03
    days on market $240,000 Active 51 DOM
  32. 2026-07-02
    days on market $240,000 Active 50 DOM
  33. 2026-07-01
    days on market $240,000 Active 49 DOM
  34. 2026-06-30
    days on market $240,000 Active 48 DOM
  35. 2026-06-29
    days on market $240,000 Active 47 DOM
  36. 2026-06-28
    days on market $240,000 Active 46 DOM
  37. 2026-06-27
    days on market $240,000 Active 45 DOM
  38. 2026-06-26
    days on market $240,000 Active 44 DOM
  39. 2026-06-24
    days on market $240,000 Active 42 DOM
  40. 2026-06-22
    days on market $240,000 Active 40 DOM
  41. 2026-06-21
    days on market $240,000 Active 39 DOM
  42. 2026-06-18
    days on market $240,000 Active 36 DOM
  43. 2026-06-17
    days on market $240,000 Active 35 DOM
  44. 2026-06-16
    days on market $240,000 Active 34 DOM
  45. 2026-06-15
    days on market $240,000 Active 33 DOM
  46. 2026-06-13
    days on market $240,000 Active 31 DOM
  47. 2026-06-13
    days on market $240,000 Active 30 DOM
  48. 2026-06-09
    days on market $240,000 Active 27 DOM
  49. 2026-06-08
    days on market $240,000 Active 26 DOM
  50. 2026-06-07
    days on market $240,000 Active 25 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
$623 · $52/mo
Projected year-2 tax
$1,748 · $146/mo
Expected delta
+$1,125/yr (+$94/mo · 180.5%)

ⓘ 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 7/10 Severe
  • 🌡 Heat 7/10 Severe 7 d/yr ≥99°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 8/10 Severe 17 unhealthy d/yr today · 21 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
$28,396
− Mortgage interest
−$12,884
− Property taxes
−$623
− Insurance
−$1,150
− Repairs & maintenance
−$2,272
− Management
−$2,272
− Depreciation
−$6,691
Taxable income
$2,505
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$601
After-tax cash flow
$5,585/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 Est. rehab $7,670–$23,010 screening

This manufactured home is in good condition with minimal repairs needed. It offers a good balance of updates and maintenance to increase its resale and rental value.

Value-add opportunities

  • Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics
  • Both Updating kitchen appliances — Modernizes the kitchen and improves functionality
  • Both Upgrading bathroom fixtures — Enhances the bathrooms and adds value
  • Both Landscaping improvements — Enhances curb appeal and adds value

ⓘ 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.

B Composite school gradezoned avg 80/100

Zoned Schools

Elementary Gladstone Elementary Middle Lone Hill Middle High San Dimas High A CA #41/1,170 Nat'l #1,094/17,239

Schools (NCES district)

District
Bonita Unified
NCES district ID
0605610
Math proficiency
59% ▲ 3.00%
Reading proficiency
70% ▬ 0.00%
Median HH income
$76,196
Composite
58.71/100
National rank
#2001
State rank
#151 of 1400 in CA
B Composite livability gradescore 72/100

Livability — San Dimas

Score
72/100
State rank
#192
US rank
#6164

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
San Dimas, CA
County
Los Angeles County · 10,940,515 people
City population
33,598
Metro
Los Angeles-Long Beach-Anaheim, CA
Population (ZIP)
33,598
Household income
$105,338
Rent vs Own
27.7% rent · 72.3% own
Severe rent burden
7% 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
Diverse neighborhood (Simpson 0.69)
Race & ethnicity
White 38% Hispanic / Latino 37% Two or more races 19% Asian 18% Black 3% Native American 1%
Hispanic origin (detail)
Mexican 27% Puerto Rican 1%
Common ancestry
Romanian 2% Lithuanian 2% Slovak 2%
Foreign-born
22% · Canada, China, Vietnam
Languages at home
64% English-only · Spanish 18% Chinese 8% Tagalog/Filipino 2%

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

+84.8% since first listed
4 events — show timeline
  • 2026-05-13 Listed $240,000 CRMLS
  • 2021-02-26 Pending CRMLS
  • 2021-02-25 Relisted CRMLS
  • 2020-10-28 Listed $129,900 CRMLS

Property tax history

+6.6%/yr

Latest (2025): $623 · +6.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…