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B- Composite 69.72
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
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • ARV discount +7.5/15.0
  • Schools +4.7/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$157,000

11825 Washington #33 · West Whittier-Los Nietos, CA 90606
2 bd · 1.0 ba · 1,006 sqft · Manufactured · 1 Days on market
Built 1959

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Cozy Mobil Home, located in the City of Whittier, California. Crossing street is Sorensen. Property is located nearby shopping center and Businesses. Property consisting of 2 Bedrooms and 1 Bathroom, Cover patio with plants and sitting area, Cover porch with two car spaces to protect your automobiles. Park has a community center for gatherings, parties and meetings with relatives.

Key facts

  • Cover porch
  • Cover patio
  • 33 garage spots

Tags

COVER PATIOCOVER PORCH

Property features AI

Finance

  • Other: Living area source: Other
  • Financial info: Land lease of $1,200 (land lease applies)
  • HOA & community: Community has curbs; Located in Hacienda MobileHome Park

Exterior

  • Parking: 33 parking spaces (including garage spaces)
  • Utilities: Public sewer; District/public water
  • Home design: Single-story mobile home; Mobile home remains on site; Entry located at the front
  • Construction: Mobile dimensions approximately 10 ft by 48 ft; Listed as one total story; Year built source: Other
  • Exterior features: No pool

Interior

  • Kitchen: Refrigerator; Electric range
  • Bedrooms: Bedrooms are on the ground (first) level
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central cooling
  • Interior features: All bedrooms located on the main level; Front entry
  • Laundry & utility: Laundry area on site

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 2-bed/1.0-bath manufactured listed at $157k.

Deal economics

  • At list price, monthly cash flow is $999 ($12k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $157k).
  • Cap rate 13.9% vs local median 2.8% in West Whittier-Los Nietos — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
  • Whittier Union High (suburban): math 42% / reading 65% proficiency, ranked #111 of 517 in CA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 32 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 19,697 units permitted in Los Angeles County in 2024 (9,426 in 5+ unit buildings).
  • This rent runs 32% of the median local income ($100k/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.
  • Los Angeles County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $44k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

  • Watch-outs: built in 1959 — 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.
Recommended offer $157,000

Questions for the listing agent

  1. Built in 1959 — 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. 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.
  4. 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.
  5. 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
1.68%
Cap rate
13.93%
Cash-on-cash
27.27%
DSCR
2.21
GRM
5.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
21.3%
Equity multiple
1.87×
Total profit
$38,236
Equity at exit
$23,409
10-year hold
IRR
29.4%
Equity multiple
3.63×
Total profit
$115,399
Equity at exit
$13,574

Cash invested: $43,960 (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 90606

Active inventory
32
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$2,638 high interval (Pro) →
Mortgage (P&I)
$823
Tax est. 1.5%
$196 /mo · $2,355/yr
Insurance
$65
HOA
$0
Vacancy / Maint / Mgmt
$554
Net cashflow
$999

Break-even live

Break-even rent $1,373
Max offer price $157,000
Occupancy floor 57%

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
$39,250
Closing costs
$4,710
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 35 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
11918 Greyford St Unit 4 Whittier, CA 2.0 1.0 800 $2,050 $2.56 21d 1 0.10mi
7806 Wellsford Ave Whittier, CA 2.0 1.0 912 $3,299 $3.62 11d 1 0.15mi
12336 Blue Sky Ct Whittier, CA 1.0 2.0 830 $3,100 $3.73 1d 1 0.61mi
8121 Broadway Ave Whittier, CA 1.0–3.0 1.0–2.0 779 $2,504 $3.21 1d 8 0.68mi
7901 Duchess Dr Whittier, CA 1.0–2.0 1.0–2.0 853 $2,495 $2.92 25d 2 0.72mi
8028 Boer Ave Unit 03 Whittier, CA 1.0 1.0 725 $1,850 $2.55 1d 1 0.74mi
12602 McGee Dr Whittier, CA 2.0 1.0 784 $3,200 $4.08 1d 1 0.89mi
8016 Santa Fe Springs Rd Whittier, CA 1.0 1.0 769 $2,600 $3.38 1d 1 1.00mi
8115 Via Alta Whittier, CA 2.0 2.0 1018 $3,500 $3.44 1d 3 1.02mi
8720 Villa Dr Unit 2 Whittier, CA 3.0 2.0 1100 $3,750 $3.41 10d 1 1.03mi
7222 Whittier Ave Unit G Whittier, CA 2.0 1.0 825 $2,045 $2.48 13d 1 1.03mi
7620 Newlin Ave Unit 20B Whittier, CA 2.0 2.0 825 $2,499 $3.03 25d 1 1.07mi
7933 Milton Ave Unit 33-D Whittier, CA 2.0 1.0 764 $2,100 $2.75 25d 1 1.08mi
7339 Milton Ave Whittier, CA 2.0 1.5 1000 $2,650 $2.65 12d 1 1.12mi
7339 Milton Ave Whittier, CA 2.0 1.5 1250 $2,795 $2.24 19d 1 1.12mi
7411 Norwalk Blvd Whittier, CA 2.0 2.0 995 $2,500 $2.51 25d 1 1.14mi
7630 Milton Ave Whittier, CA 2.0 1.0 750 $2,350 $3.13 25d 1 1.14mi
6728 Whittier Ave Whittier, CA 3.0 1.0 1000 $2,800 $2.80 25d 1 1.14mi
7348 Milton Ave Unit 4 Whittier, CA 1.0 1.0 800 $1,750 $2.19 15d 1 1.15mi
7651 Comstock Ave Unit 7655 A Whittier, CA 3.0 2.0 770 $2,800 $3.64 13d 1 1.17mi
12818 Penn St Whittier, CA 1.0 1.0 700 $1,800 $2.57 17d 1 1.20mi
12820 Penn St Whittier, CA 1.0 1.0 700 $2,000 $2.86 20d 1 1.21mi
7037 Milton Ave Apt 4 Whittier, CA 1.0 1.0 700 $1,895 $2.71 25d 1 1.22mi
6741 Newlin Ave Whittier, CA 2.0 2.0 1338 $3,700 $2.77 18d 1 1.22mi
6535 Pickering Ave Unit 18 Whittier, CA 2.0 2.0 1200 $2,750 $2.29 25d 1 1.23mi
7017 Milton Ave Whittier, CA 1.0 1.0 784 $2,125 $2.71 10d 1 1.23mi
6535 Pickering Ave Apt 14 Whittier, CA 2.0 1.5 1100 $2,495 $2.27 25d 1 1.24mi
12429 Hadley St Whittier, CA 2.0 1.0 900 $2,185 $2.43 25d 1 1.27mi
7705 Bright Ave Unit 5 Whittier, CA 3.0 1.0 731 $2,650 $3.63 13d 1 1.30mi
7630 Bright Ave Unit 7630-B downstairs Whittier, CA 2.0 1.0 713 $2,200 $3.09 25d 1 1.34mi
6234 Pierce Ave Unit 6242 Whittier, CA 2.0 1.0 856 $2,750 $3.21 25d 1 1.35mi
13289 Lambert Rd Whittier, CA 2.0 2.0 858 $3,150 $3.67 13d 1 1.42mi
13242 Cullen St Whittier, CA 2.0 1.0 800 $2,195 $2.74 1d 1 1.44mi
12103 Howard St Whittier, CA 3.0 1.0 1000 $2,950 $2.95 3d 1 1.47mi
7711 Painter Ave Unit 7711C Whittier, CA 1.0 1.0 750 $1,900 $2.53 3d 1 1.50mi

Listing history 2 events

  1. 2026-06-17
    remarks 383-char remark
  2. 2026-06-17
    listed $157,000 Coming Soon 1 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 6/10 Major 7 d/yr ≥95°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 9 unhealthy d/yr today · 10 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$31,658
− Mortgage interest
−$8,794
− Property taxes
−$2,355
− Insurance
−$785
− Repairs & maintenance
−$2,533
− Management
−$2,533
− Depreciation
−$4,567
Taxable income
$10,091
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,422
After-tax cash flow
$9,568/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
Whittier Union High
NCES district ID
0642480
Math proficiency
42% ▲ 9.00%
Reading proficiency
65% ▲ 7.00%
Median HH income
$66,675
Composite
47.19/100
National rank
#2321
State rank
#111 of 517 in CA

Livability — West Whittier-Los Nietos

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
West Whittier-Los Nietos, CA
County
Los Angeles County · 9,444,647 people
City population
31,881
Metro
Los Angeles-Long Beach-Anaheim, CA
Population (ZIP)
32,057
Household income
$100,428
Rent vs Own
28.1% rent · 71.9% own
Severe rent burden
556.0

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
Predominantly Hispanic (85%)
Race & ethnicity
Hispanic / Latino 85% Two or more races 17% White 8% Asian 5% Native American 2% Black 1%
Hispanic origin (detail)
Mexican 76%
Foreign-born
24% · Canada, South Korea, Vietnam
Languages at home
41% English-only · Spanish 55% Tagalog/Filipino 2% Korean 1%

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

Market trends

HPI YoY
▼ -973.24%
Current HPI
428.5874
Rent YoY
Metro
Los Angeles-Long Beach-Anaheim, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

1 event — show timeline
  • 2026-06-17 Coming Soon $157,000 CRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…