29 Bentley Ave · Sacramento, CA 95823

$174,999

3 bd · 2.0 ba · 1,480 sqft · Manufactured · 31 Days on market

Built 1980 Est $154k · 14% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• Livability +3.6/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.3/15.0
• Appreciation +0.0/10.0

Listing remarks

* Seller is offering a $5k sellers credit! * This move-in ready home with a * BRAND NEW ROOF * stands out for its impressive condition, tasteful upgrades, and smooth surfaced walls & ceilings that contribute to a bright and contemporary atmosphere. Each room has been carefully maintained and the property has been thoughtfully updated to provide for move-in-ready condition. The stylish recessed lighting, laminate flooring and elegant quartz countertops, sets a modern tone throughout the kitchen and living areas. Recently updated with James Hardie siding and all new wood on the exterior, the property boasts comfortable living spaces, drought-tolerant landscaping, accented with tall t

Key facts

• Laminate flooring
• Quartz countertops
• James hardie siding

Tags

• NEW ROOF
• RECESSED LIGHTING
• LAMINATE FLOORING
• QUARTZ COUNTERTOPS
• JAMES HARDIE SIDING
• DROUGHT-TOLERANT LANDSCAPING

Property features AI

Finance

• Other: Located in Sacramento (95823), near Florin Rd; address listed as 29 Bentley Ave
• HOA & community: No homeowners association; Not a senior community; No land lease

Exterior

• Parking: 2 parking spaces; Off-street covered parking; Guest parking available
• Utilities: Public water; Public sewer; Natural gas connected; Individual gas meter; Cable available; Internet available; 220 volts in laundry
• Home design: Manufactured home in park; Double-wide; Single-story; Built in 1980; Updated/remodeled
• Construction: Shingle roof; Golden West manufacturer; Skirted
• Exterior features: Fenced yard; Porch; Porch awning; Porch with rails and steps; Carport awning; Landscaped front yard; Landscaped back yard; Close to clubhouse

Interior

• Kitchen: Free standing refrigerator; Hood over range; Dishwasher; Electric cooktop; Free standing electric oven/range; Slab and stone counters
• Bedrooms: 3 bedrooms
• Flooring: Laminate; Linoleum; Vinyl; Wood
• Bathrooms: 2 full bathrooms; Tub with shower over; Shower stall(s)
• Heating & cooling: Central heating; Central cooling
• Interior features: Updated/remodeled interior; Dual-pane windows; Porch with rails and steps; Porch awning; Carport awning; Fenced yard; Close to clubhouse; Landscaped front and back
• Laundry & utility: Inside laundry room with hookups; 220V outlet in laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $175k.

Deal economics

• At list price, monthly cash flow is $847 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $170k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 3.0% in Sacramento — 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 71/100 on livability (#218 in CA) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A; Watch: schools D+, crime F, cost of living F.
• Sacramento City Unified (urban): math 32% / reading 43% proficiency, ranked #804 of 1,400 in CA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 181 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; 6,825 units permitted in Sacramento County in 2024 (1,752 in 5+ unit buildings).
• This rent runs 42% of the median local income ($67k/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.
• Sacramento County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $49k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,749 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-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: 1.35% ✓
• Cap rate: 12.10%
• Cash-on-cash: 20.75%
• DSCR: 1.92
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $153,920
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
94 Bentley Ave	0.15mi	3/2.0	1,440 (-3%)	11mo	$160,000	$111	79
61 Maple Dr	0.19mi	3/2.0	1,400 (-5%)	7mo	$135,000	$96	76
63 Maple Dr	0.17mi	3/2.0	1,440 (-3%)	22mo	$167,000	$116	69
47 Murata Ave	0.19mi	4/2.0 (+1)	1,440 (-3%)	21mo	$175,000	$122	64
6983 Pleasure Ln	0.46mi	2/2.0 (-1)	1,440 (-3%)	9mo	$92,500	$64	62
7005 Pleasure Ln	0.55mi	3/2.0	1,440 (-3%)	12mo	$122,000	$85	60
7072 Tranquility Dr	0.45mi	4/2.0 (+1)	1,580 (+7%)	5mo	$220,000	$139	59
3434 Turnbridge Dr	0.63mi	3/2.0	1,560 (+5%)	8mo	$110,000	$71	55
1 Bentley Ave	0.21mi	2/2.0 (-1)	1,258 (-15%)	7mo	$145,000	$115	55
6999 Pleasure Ln	0.48mi	4/2.0 (+1)	1,440 (-3%)	19mo	$150,000	$104	52
3501 Elite Dr	0.68mi	2/2.0 (-1)	1,400 (-5%)	20mo	$105,000	$75	37

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 · 0.02% rent growth · sell at horizon

5-year hold

• IRR: 10.0%
• Equity multiple: 1.38×
• Total profit: $18,654
• Equity at exit: $26,093

10-year hold

• IRR: 16.7%
• Equity multiple: 2.20×
• Total profit: $58,803
• Equity at exit: $15,131

Cash invested: $49,000 (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 95823

• Rents YoY: 0.0%
• Active inventory: 181
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $2,365 high
• Mortgage (P&I): −$918
• Tax from tax record: −$30 /mo · $359/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$497
• Net cashflow: $847

Break-even live

Break-even rent $1,292

Max offer price $174,999

Occupancy floor 59%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3249 Torrance Ave Sacramento, CA	3.0	3.0	1258	$2,599	$2.07	24d	1	0.22mi
4417 A Pkwy Sacramento, CA	3.0	2.0	1440	$2,200	$1.53	44d	1	0.66mi
4407 Bouts Pkwy Sacramento, CA	3.0	1.0	1024	$1,950	$1.90	44d	1	0.69mi
7570 Wrenwood Dr Sacramento, CA	3.0	2.0	1535	$2,395	$1.56	44d	1	0.71mi
4066 Weymouth Ln Sacramento, CA	3.0	1.5	1323	$1,900	$1.44	44d	1	0.73mi
4400 Shining Star Dr Sacramento, CA	1.0–4.0	1.0–2.0	1225	$2,768	$2.26	44d	1	0.73mi
4074 Weymouth Ln Sacramento, CA	2.0	2.0	1200	$2,498	$2.08	18d	1	0.74mi
6855 Carnation Ave Unit 6855 Sacramento, CA	2.0	2.0	1100	$2,025	$1.84	3d	1	0.84mi
26 Nedra Ct Sacramento, CA	2.0	1.0	980	$1,650	$1.68	44d	1	0.94mi
26 Nedra Ct Unit A1 Sacramento, CA	2.0	1.0	980	$1,650	$1.68	20d	1	0.94mi
4623 Goya Pkwy Sacramento, CA	3.0	2.0	1242	$2,400	$1.93	44d	1	0.95mi
7726 Laurie Way Sacramento, CA	3.0	1.0	1069	$2,075	$1.94	7d	1	0.98mi
7238 East Pkwy Apt B5 Sacramento, CA	2.0	1.5	1020	$1,645	$1.61	7d	1	0.99mi
7236 East Pkwy Sacramento, CA	2.0	1.0–1.5	776	$1,645	$2.12	3d	1	0.99mi
7638 24th St Sacramento, CA	2.0	1.0	976	$1,900	$1.95	44d	1	1.03mi
4197 Cuny Ave Unit 3 Sacramento, CA	2.0	1.0	1051	$2,000	$1.90	18d	1	1.09mi
4812 D Pkwy Sacramento, CA	3.0	1.5	1505	$2,295	$1.52	24d	1	1.10mi
2360 53rd Ave Sacramento, CA	3.0	1.5	1474	$2,495	$1.69	44d	1	1.16mi
4913 Sky Pkwy Sacramento, CA	3.0	2.0	1456	$2,200	$1.51	44d	1	1.29mi
4690 Brookfield Dr Sacramento, CA	4.0	2.0	1753	$2,500	$1.43	20d	1	1.30mi
2081 Wakefield Way Sacramento, CA	3.0	2.0	1409	$2,500	$1.77	20d	1	1.34mi
7663 22nd St Sacramento, CA	4.0	2.0	1800	$1,999	$1.11	24d	1	1.34mi
7462 21st St Sacramento, CA	2.0	1.0	900	$1,775	$1.97	2d	1	1.38mi
6739 Ferrier Ct Sacramento, CA	3.0	2.0	1106	$2,325	$2.10	24d	1	1.42mi
7640 Walsh Way Sacramento, CA	3.0	2.0	1301	$2,695	$2.07	44d	1	1.44mi

Listing history 15 events

1. 2026-06-18
   days on market $174,999 Active 31 DOM
2. 2026-06-17
   price $174,999 Active 30 DOM
3. 2026-06-17
   days on market $175,000 Active 30 DOM
4. 2026-06-16
   days on market $175,000 Active 29 DOM
5. 2026-06-15
   days on market $175,000 Active 28 DOM
6. 2026-06-13
   days on market $175,000 Active 26 DOM
7. 2026-06-13
   days on market $175,000 Active 25 DOM
8. 2026-06-09
   days on market $175,000 Active 22 DOM
9. 2026-06-08
   days on market $175,000 Active 21 DOM
10. 2026-06-07
    days on market $175,000 Active 20 DOM
11. 2026-06-05
    days on market $175,000 Active 17 DOM
12. 2026-06-03
    days on market $175,000 Active 16 DOM
13. 2026-06-02
    days on market $175,000 Active 15 DOM
14. 2026-06-01
    days on market $175,000 Active 14 DOM
15. 2026-05-31
    days on market $175,000 Active 13 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: $359 · $30/mo
• Projected year-2 tax: $1,330 · $111/mo
• Expected delta: +$971/yr (+$81/mo · 270.2%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥102°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 25 unhealthy d/yr today · 26 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,376
• − Mortgage interest: −$9,803
• − Property taxes: −$359
• − Insurance: −$875
• − Repairs & maintenance: −$2,270
• − Management: −$2,270
• − Depreciation: −$5,091
• Taxable income: $7,708
• Est. tax owed @ 24.0%: −$1,850
• After-tax cash flow: $8,320/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: Sacramento City Unified
• NCES district ID: 0633840
• Math proficiency: 32% ▬ 0.00%
• Reading proficiency: 43% ▲ 3.00%
• Median HH income: $49,280
• Composite: 34.86/100
• National rank: #10000
• State rank: #804 of 1400 in CA

Livability — Sacramento

• Score: 71/100
• State rank: #218
• US rank: #6957

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sacramento, CA
• County: Sacramento County · 1,539,646 people
• City population: 761,410
• Metro: Sacramento-Roseville-Folsom, CA
• Population (ZIP): 83,607
• Household income: $66,895
• Rent vs Own: 52.4% rent · 47.6% own
• Severe rent burden: 4034.0

Population outlook (Sacramento County) Hauer SSP2

• Today (2025): 1,660,763 people
• By 2030: 1,732,990 · +4.3%
• By 2040: 1,855,755 · +11.7%
• By 2050: 1,941,335 · +16.9%
• By 2075: 2,046,162 · +23.2%
• By 2100: 1,961,444 · +18.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.77)
• Race & ethnicity: Hispanic / Latino 35% Asian 25% Black 17% Two or more races 16% White 11% Pacific Islander 4% Native American 1%
• Hispanic origin (detail): Mexican 29% Puerto Rican 1%
• Common ancestry: Lithuanian 1% Italian 1% Scotch-Irish 1%
• Foreign-born: 30% · Canada, Vietnam, China
• Languages at home: 47% English-only · Spanish 25% Other Asian/Pacific 9% Other Indo-European 8%

Political lean MEDSL · Sacramento

• 2024 margin: D (+19.7) · D 58.1% · R 38.4% · Other 3.5%
• 2008→2024 swing: +0.7pp no change · 2008: 19.0pp · 2024: 19.7pp
• All cycles: 2024: D+19.7 2020: D+25.3 2016: D+23.7 2012: D+16.3 2008: D+19.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -331.02%
• Current HPI: 377.4278
• Rent YoY: ▬ 0.02%
• Metro: Sacramento-Roseville-Folsom, 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

Property tax history

+10.6%/yr

Latest (2025): $359 · -1.9% YoY. Source: county tax records.