2107 Via Calderia · Palm Desert, CA 92260

$310,000

2 bd · 2.0 ba · 1,278 sqft · Townhouse · 225 Days on market

Built 2015 Good condition $243/sqft · 16% below area Est $369k · 16% under $981/mo HOA · 27% of rent ↓ 9% since listing

---

Why this score? — see what drove the D 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).

• ARV discount +14.7/15.0
• Cash flow +8.1/30.0
• 1% rule +6.5/10.0
• Condition / age +3.8/5.0
• Schools +3.2/10.0
• Rent growth +2.9/5.0
• Livability +2.6/5.0
• DSCR +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Amazing Santa Rosa Mountain views. This 2 bedroom - 2 bathroom condo has been well maintained by its original owner. Light and bright with an open floor plan. The kitchen has an expansive center island, granite slab counters with tastefully designed subway tile backsplash. The primary suite has wonderful mountain views with direct access to the spacious patio. The primary bathroom has a large walk in shower, double vanity, walk in closet with access to the laundry room. The secondary bedroom is separated by the great room which allows for privacy. The owned solar panels make this home very energy efficient. Also included is a water softener system and a new tankless water heating system. Villa Portofino is known for being one of the finest 55 and better communities in the valley along with being in a most desired location. Close access to The Shops on El Paseo, McCallum Theater, Eisenhower Medical Center and much more. The Villa Portofino Clubhouse offers a Bistro, formal dining room, private dining room, 100 Seat Movie Theater, library, billiards and poker room, miniature putting course, gym and a heated pool and spa. Call to schedule your tour.

Key facts

• Large walk in shower
• $981 HOA
• 2 garage spots

Tags

• SANTA ROSA MOUNTAIN VIEWS
• EXPANSIVE CENTER ISLAND
• GRANITE SLAB COUNTERS
• SUBWAY TILE BACKSPLASH
• DIRECT ACCESS TO PATIO
• LARGE WALK IN SHOWER

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath townhouse listed at $310k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-304 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $266k (14.2% below list).
• Meets the 1% rule at list price ($4k rent vs $310k).
• Recommended offer: $266k (14.2% below list) — sets the bar for cash-flow.
• Cap rate 5.1% vs local median 3.2% in Palm Desert — 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 51/100 on livability (#1,050 in CA) — a working-class tenant base; expect higher turnover. Strengths: employment B+, housing B; Watch: crime D, amenities F, commute F.
• Desert Sands Unified (suburban): math 31% / reading 56% proficiency, ranked #199 of 517 in CA (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: James Earl Carter Elementary (516 students, 53% FRL); Colonel Mitchell Paige Middle (math 10% / reading 10%, grade F, #474 of 498 statewide, top 99%, 436 students, 74% FRL); Palm Desert High (math 42% / reading 67%, grade C-, #256 of 1,170 statewide, top 24%, 2,050 students, 57% FRL).
• Market conditions: Rents rising (+1.6%/yr); 621 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 93d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,195 units permitted in Riverside County in 2024 (1,512 in 5+ unit buildings).
• At $3,569/mo this rent would consume 61% of the median local household income ($70k/yr) (locally 17% 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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Riverside County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 225 days — a 12% lower offer ($273k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: HOA is 27% of rent.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $266,032 (14.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 225 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
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 A-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?
7. Crime grade is D 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. 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.
10. 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.
11. 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: 1.15% ✓
• Cap rate: 5.12%
• Cash-on-cash: -4.20%
• DSCR: 0.81
• GRM: 7.2

CMA / ARV

• ARV (median comp): $369,359
• List price: $310,000
• Delta: -16.07%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2507 Via Calderia	0.09mi	2/2.0	1,278 (0%)	0mo	$365,000	$286	95
2102 Via Calderia #2102	0.01mi	2/2.0	1,278 (0%)	6mo	$400,000	$313	94
2609 Via Calderia	0.08mi	2/2.0	1,278 (0%)	10mo	$285,000	$223	88
6 La Jolla Dr	0.27mi	2/2.0	1,215 (-5%)	4mo	$390,000	$321	76
2108 Via Calderia	0.01mi	1/1.5 (-1)	1,183 (-7%)	7mo	$319,000	$270	74
162 Wimbledon Ct	0.39mi	2/2.0	1,250 (-2%)	10mo	$420,000	$336	70
67 Verde Way	0.42mi	2/2.0	1,212 (-5%)	3mo	$375,000	$309	70
32 Acapulco	0.19mi	2/2.0	1,418 (+11%)	4mo	$570,000	$402	69
2603 Via Calderia	0.08mi	1/1.5 (-1)	1,183 (-7%)	9mo	$295,000	$249	69
103 Verde Way	0.51mi	2/2.0	1,212 (-5%)	6mo	$350,000	$289	63
357 San Remo St	0.54mi	2/1.5	1,347 (+5%)	3mo	$450,000	$334	61
259 San Remo St	0.63mi	2/2.0	1,347 (+5%)	5mo	$455,000	$338	57

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 · 1.6% rent growth · sell at horizon

5-year hold

• IRR: -25.5%
• Equity multiple: 0.15×
• Total profit: $-73,888
• Equity at exit: $46,222

10-year hold

• IRR: -29.0%
• Equity multiple: -0.23×
• Total profit: $-106,373
• Equity at exit: $26,803

Cash invested: $86,800 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 26 active · 8 under contract
• Months of supply: 6.0 mo (17%/mo absorbed)
• Median asking: $435,000 ($332/sqft)
• Median days on market: 80 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -13.0% vs current asking $/sqft

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

ZIP-level market 92260

• Rents YoY: 1.6%
• Active inventory: 621
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $3,569 high
• Mortgage (P&I): −$1,626
• Tax est. 1.5%: −$388 /mo · $4,650/yr
• Insurance: −$129
• HOA: −$981
• Vacancy / Maint / Mgmt: −$749
• Net cashflow: $-304

Break-even live

Break-even rent $3,954

Max offer price $266,032

Occupancy floor —

Sensitivity live

Price	-10% $-90	-5% $-197	+0% $-304	+5% $-411	+10% $-518
Rent	-10% $-586	-5% $-445	+0% $-304	+5% $-163	+10% $-22
Rate	-1.0pp $-148	-0.5pp $-225	base $-304	+0.5pp $-384	+1.0pp $-466

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: $77,500
• Closing costs: $9,300
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1803 Via San Martino Palm Desert, CA	2.0	2.0	1559	$3,900	$2.50	93d	1	0.09mi
2701 Via Calderia Palm Desert, CA	2.0	2.0	1559	$2,850	$1.83	73d	1	0.14mi
40445 Portola Ave Palm Desert, CA	1.0–2.0	1.0–2.0	975	$3,215	$3.30	2d	20	0.15mi
73750 Calle Bisque Palm Desert, CA	3.0	2.0	1537	$6,500	$4.23	93d	1	0.23mi
8 Las Cruces Ln Palm Desert, CA	2.0	2.0	1705	$4,000	$2.35	27d	1	0.24mi
41682 Aventine Ct Palm Desert, CA	2.0	2.0	1280	$2,545	$1.99	2d	1	0.29mi
41517 Armanac Ct Palm Desert, CA	3.0	2.0	1537	$3,400	$2.21	52d	1	0.29mi
1 Marbella Ln Palm Desert, CA	2.0	2.0	1080	$4,500	$4.17	93d	1	0.32mi
4 Hermosillo Ln Palm Desert, CA	2.0	2.0	1572	$2,900	$1.84	67d	1	0.33mi
191 Winterhaven Cir Palm Desert, CA	2.0	1.5	1250	$2,800	$2.24	93d	1	0.34mi
166 Wimbledon Ct Palm Desert, CA	2.0	2.0	1250	$3,200	$2.56	93d	1	0.37mi
39582 Ciega Creek Dr Palm Desert, CA	2.0	2.0	1440	$2,300	$1.60	2d	1	0.39mi
74300 Country Club Dr Unit 366 Palm Desert, CA	2.0	2.0	1140	$7,170	$6.29	93d	1	0.45mi
74300 Country Club Dr Apt 5001 Palm Desert, CA	2.0	2.0	1099	$7,120	$6.48	93d	1	0.45mi
39345 Moronga Canyon Dr Palm Desert, CA	2.0	2.0	1488	$3,200	$2.15	2d	1	0.45mi
73373 Country Club Dr Palm Desert, CA	1.0–2.0	1.0–2.0	852	$2,165	$2.54	93d	1	0.46mi
150 Willow Lake Dr Palm Desert, CA	2.0	2.0	1138	$3,000	$2.64	24d	1	0.47mi
73843 Line Canyon Ln Palm Desert, CA	2.0	2.0	1570	$2,100	$1.34	60d	1	0.49mi
206 Lakecrest Ln Palm Desert, CA	2.0	2.0	1138	$2,300	$2.02	23d	1	0.51mi
323 San Remo St Palm Desert, CA	2.0	2.0	1556	$8,500	$5.46	93d	1	0.52mi
6381 Via Stasera Palm Desert, CA	3.0	2.0	1867	$4,300	$2.30	30d	1	0.53mi
112 Willow Lake Dr Palm Desert, CA	2.0	2.0	1576	$2,799	$1.78	7d	1	0.55mi
363 San Remo St Palm Desert, CA	2.0	2.0	1656	$7,500	$4.53	93d	1	0.55mi
365 San Remo St Palm Desert, CA	2.0	2.0	1303	$5,500	$4.22	93d	1	0.56mi
336 Villena Way Palm Desert, CA	2.0	2.0	1303	$5,500	$4.22	93d	1	0.58mi
337 Villena Way Palm Desert, CA	2.0	2.0	1303	$5,000	$3.84	93d	1	0.62mi
40064 Silktree Ct Palm Desert, CA	3.0	2.0	1712	$3,200	$1.87	23d	1	0.63mi
255 San Remo St Palm Desert, CA	2.0	2.0	1656	$6,600	$3.99	93d	1	0.65mi
311 Villena Way Palm Desert, CA	2.0	2.0	1653	$7,000	$4.23	73d	1	0.65mi
4162 Via Mattina Palm Desert, CA	2.0	2.0	1867	$2,950	$1.58	61d	1	0.66mi
73182 Palm Ct Palm Desert, CA	2.0	2.0	1152	$2,700	$2.34	19d	1	0.67mi
45817 Palm Ct Palm Desert, CA	2.0	2.0	1380	$2,950	$2.14	25d	1	0.67mi
430 S Sierra Madre Palm Desert, CA	2.0	2.0	1303	$5,500	$4.22	93d	1	0.67mi
432 S Sierra Madre Palm Desert, CA	2.0	2.0	1584	$5,300	$3.35	93d	1	0.67mi
352 S Sierra Madre Palm Desert, CA	2.0	2.0	1584	$5,800	$3.66	93d	1	0.69mi
73450 Country Club Dr #120 Palm Desert, CA	2.0	2.0	1856	$2,995	$1.61	60d	1	0.69mi
305 Durango Palm Desert, CA	2.0	2.0	1670	$6,300	$3.77	93d	1	0.70mi
316 S Sierra Madre Palm Desert, CA	2.0	2.0	1656	$5,700	$3.44	93d	1	0.70mi
40255 Sagewood Dr Palm Desert, CA	3.0	2.0	1712	$3,300	$1.93	23d	1	0.73mi
295 Cordoba Way Palm Desert, CA	2.0	2.0	1800	$6,000	$3.33	93d	1	0.75mi

HOA detail $981/mo · $11,772/yr

• Likely covers: waterpoolgym

Listing history 50 events

1. 2026-08-08
   days on market $310,000 Active 225 DOM
2. 2026-08-06
   days on market $310,000 Active 223 DOM
3. 2026-08-05
   days on market $310,000 Active 222 DOM
4. 2026-08-04
   days on market $310,000 Active 221 DOM
5. 2026-08-03
   days on market $310,000 Active 220 DOM
6. 2026-07-31
   days on market $310,000 Active 217 DOM
7. 2026-07-30
   days on market $310,000 Active 216 DOM
8. 2026-07-30
   days on market $310,000 Active 215 DOM
9. 2026-07-28
   days on market $310,000 Active 214 DOM
10. 2026-07-26
    days on market $310,000 Active 212 DOM
11. 2026-07-24
    days on market $310,000 Active 210 DOM
12. 2026-07-23
    days on market $310,000 Active 209 DOM
13. 2026-07-22
    days on market $310,000 Active 208 DOM
14. 2026-07-21
    days on market $310,000 Active 207 DOM
15. 2026-07-20
    days on market $310,000 Active 206 DOM
16. 2026-07-18
    days on market $310,000 Active 204 DOM
17. 2026-07-18
    days on market $310,000 Active 203 DOM
18. 2026-07-16
    days on market $310,000 Active 202 DOM
19. 2026-07-15
    days on market $310,000 Active 201 DOM
20. 2026-07-14
    days on market $310,000 Active 200 DOM
21. 2026-07-13
    days on market $310,000 Active 199 DOM
22. 2026-07-13
    days on market $310,000 Active 198 DOM
23. 2026-07-11
    days on market $310,000 Active 197 DOM
24. 2026-07-10
    days on market $310,000 Active 196 DOM
25. 2026-07-09
    days on market $310,000 Active 195 DOM
26. 2026-07-07
    days on market $310,000 Active 193 DOM
27. 2026-07-06
    days on market $310,000 Active 192 DOM
28. 2026-07-06
    days on market $310,000 Active 191 DOM
29. 2026-07-05
    days on market $310,000 Active 190 DOM
30. 2026-07-03
    days on market $310,000 Active 189 DOM
31. 2026-07-02
    days on market $310,000 Active 188 DOM
32. 2026-07-01
    days on market $310,000 Active 187 DOM
33. 2026-06-30
    days on market $310,000 Active 186 DOM
34. 2026-06-29
    days on market $310,000 Active 185 DOM
35. 2026-06-28
    days on market $310,000 Active 184 DOM
36. 2026-06-27
    days on market $310,000 Active 183 DOM
37. 2026-06-26
    days on market $310,000 Active 182 DOM
38. 2026-06-24
    pricedays on market $310,000 Active 180 DOM
39. 2026-06-22
    days on market $317,500 Active 178 DOM
40. 2026-06-21
    days on market $317,500 Active 177 DOM
41. 2026-06-18
    days on market $317,500 Active 174 DOM
42. 2026-06-17
    days on market $317,500 Active 173 DOM
43. 2026-06-16
    days on market $317,500 Active 172 DOM
44. 2026-06-15
    days on market $317,500 Active 171 DOM
45. 2026-06-13
    days on market $317,500 Active 169 DOM
46. 2026-06-09
    days on market $317,500 Active 165 DOM
47. 2026-06-08
    days on market $317,500 Active 164 DOM
48. 2026-06-07
    pricedays on market $317,500 Active 163 DOM
49. 2026-06-04
    days on market $335,000 Active 160 DOM
50. 2026-06-03
    days on market $335,000 Active 159 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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥114°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,828
• − Mortgage interest: −$17,365
• − Property taxes: −$4,650
• − Insurance: −$1,550
• − Repairs & maintenance: −$3,426
• − Management: −$3,426
• − HOA: −$11,772
• − Depreciation: −$9,018
• Taxable loss: −$8,380
• Est. tax savings @ 24.0%: +$2,011
• After-tax cash flow: $-1,635/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 75/100 Cosmetic rehab Est. rehab $6,390–$19,170 screening

This well-maintained 2-bedroom condo is in good condition with a good ROI potential for both resale and rental.

Value-add opportunities

• Both Paint exterior trim — Enhances curb appeal and value ↑
• Both Clean gutters — Improves drainage and property 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.

F Composite school gradezoned avg 32/100

Zoned Schools

Elementary James Earl Carter Elementary Middle Colonel Mitchell Paige Middle F CA #474/498 Nat'l #13,307/14,009 High Palm Desert High C- CA #256/1,170 Nat'l #4,461/17,239

Schools (NCES district)

• District: Desert Sands Unified
• NCES district ID: 0611110
• Math proficiency: 31% ▼ -4.00%
• Reading proficiency: 56% ▲ 7.00%
• Median HH income: $54,957
• Composite: 37.77/100
• National rank: #4346
• State rank: #199 of 517 in CA

D Composite livability gradescore 51/100

Livability — Palm Desert

• Score: 51/100
• State rank: #1050
• US rank: #25164

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palm Desert, CA
• County: Riverside County · 2,664,475 people
• City population: 58,615
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 30,523
• Household income: $70,091
• Rent vs Own: 36.2% rent · 63.8% own
• Severe rent burden: 17% of renters

---

Population outlook (Riverside County) Hauer SSP2

• Today (2025): 2,664,475 people
• By 2030: 2,802,692 · +5.2%
• By 2040: 3,050,904 · +14.5%
• By 2050: 3,256,783 · +22.2%
• By 2075: 3,655,058 · +37.2%
• By 2100: 3,766,594 · +41.4%

---

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (61%)
• Race & ethnicity: White 61% Hispanic / Latino 31% Two or more races 20% Asian 4% Black 2%
• Hispanic origin (detail): Mexican 25%
• Common ancestry: Italian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 18% · Canada, South Korea, Vietnam
• Languages at home: 73% English-only · Spanish 22% French/Haitian/Cajun 1% Other Indo-European 1%

---

Political lean MEDSL · Riverside

• 2024 margin: Toss-up / Even · D 48.0% · R 49.3% · Other 2.6%
• 2008→2024 swing: -3.6pp toward R · 2008: 2.3pp · 2024: -1.3pp
• All cycles: 2024: R+1.3 2020: D+8.0 2016: D+4.3 2012: R+0.4 2008: D+2.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -364.94%
• Current HPI: 294.9425
• Rent YoY: ▲ 1.60%
• 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

-9.0% since first listed

4 events — show timeline

• 2026-04-22 Price Changed $355,000 GPSMLS
• 2026-03-31 Price Changed $365,000 GPSMLS
• 2026-02-12 Price Changed $379,000 GPSMLS
• 2025-12-26 Listed $390,000 GPSMLS