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54999 Martinez Trl #20
B+ Composite 76.25
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
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Rent growth +3.5/5.0
  • Livability +3.0/5.0
  • Condition / age +2.5/5.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$37,500

54999 Martinez Trl #20 · Yucca Valley, CA 92284
2 bd · 1.0 ba · 672 sqft · Manufactured · 84 Days on market
Built 1977 $56/sqft · 36% below area Est $59k · 36% under

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

Listing remarks MLS

Welcome to an incredible value in Country Club Mobile Estates in Yucca Valley—senior living at its finest! This well-maintained home truly reflects pride of ownership and offers a perfect seasonal retreat, conveniently located just across the street from Hawks Landing Public Golf Course. The home features a spacious, beautifully remodeled kitchen that opens to the living area, creating a comfortable and inviting space for everyday living and entertaining. You’ll also appreciate the convenience of an indoor laundry area. Step outside to enjoy a nicely sized, fenced side yard—perfect for relaxing or gardening—along with a storage shed and covered parking for two vehicles. Residents can take advantage of the newly remodeled clubhouse, complete with a sparkling pool and indoor spa, all just a short walk away. According to the seller, recent updates include the roof, heating system, plumbing, and water heater—making this home truly turnkey and move-in ready.

Key facts

  • Indoor laundry area
  • Indoor spa
  • Remodeled kitchen

Tags

FENCED BACKYARDSTORAGE SHEDREMODELED KITCHENINDOOR LAUNDRY AREABEAUTIFUL POOLINDOOR SPA

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 $38k.

Deal economics

  • At list price, monthly cash flow is $961 ($12k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $38k).
  • Recommended offer: $35k (6.0% below list) — sets the bar for market timing.
  • Cap rate 37.0% vs local median 3.6% in Yucca Valley — 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 60/100 on livability (#566 in CA) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+; Watch: cost of living D+, schools F, crime D-.
  • Morongo Unified (town): math 15% / reading 38% proficiency, ranked #395 of 517 in CA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising fast (+4.1%/yr); 563 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 ($58k/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 $259 of loan paydown is wiped out by about $1k 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 + 4.1% rent growth), your $10k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 84 days — a 6% lower offer ($35k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 11y ago; this cycle's ask has dropped $6k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: major flood risk; major wildfire risk; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $35,250 (6.0% below list)

Questions for the listing agent

  1. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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?
  7. 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.
  8. 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.
  9. 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
4.12%
Cap rate
37.04%
Cash-on-cash
109.81%
DSCR
5.89
GRM
2.0

CMA / ARV

ARV (median comp)
$58,613
List price
$37,500
Delta
-36.02%
Verdict
UNDERPRICED
Comps
4 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7484 Kickapoo Trl 0.33mi 2/2.0 720 (+7%) 14mo $23,000 $32 57
55524 Yucca Trl #80 0.72mi 2/1.0 696 (+4%) 6mo $63,160 $91 56
55524 Yucca Trl #55 0.70mi 2/1.0 756 (+12%) 5mo $55,000 $73 42

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 · 4.12% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
6.42×
Total profit
$56,905
Equity at exit
$5,591
10-year hold
IRR
Equity multiple
13.94×
Total profit
$135,837
Equity at exit
$3,242

Cash invested: $10,500 (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 92284

Home prices YoY
-33.1%
Rents YoY
4.1%
Active inventory
563
Price-to-rent
2.0×

Monthly cashflow live

Estimated rent
$1,544 medium interval (Pro) →
Mortgage (P&I)
$197
Tax est. 1.5%
$47 /mo · $562/yr
Insurance
$16
HOA
$0
Vacancy / Maint / Mgmt
$324
Net cashflow
$961

Break-even live

Break-even rent $328
Max offer price $37,500
Occupancy floor 33%

Sensitivity live

Price -10% $987 -5% $974 +0% $961 +5% $948 +10% $935
Rent -10% $839 -5% $900 +0% $961 +5% $1,022 +10% $1,083
Rate -1.0pp $980 -0.5pp $970 base $961 +0.5pp $951 +1.0pp $941

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
$9,375
Closing costs
$1,125
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
7434 Cherokee Trl Unit D Yucca Valley, CA 1.0 1.0 608 $1,100 $1.81 44d 1 1.13mi
7239 Cherokee Trl Yucca Valley, CA 1.0 1.0 550 $1,429 $2.60 0d 1 1.20mi

Listing history 27 events

  1. 2026-06-18
    days on market $37,500 Active 84 DOM
  2. 2026-06-17
    pricestatus $37,500 Active 83 DOM
  3. 2026-06-08
    status $37,700 Pending Sale 83 DOM
  4. 2026-06-07
    days on market $37,700 Active 83 DOM
  5. 2026-06-04
    days on market $37,700 Active 80 DOM
  6. 2026-06-03
    remarks 693-char remark
  7. 2026-06-03
    days on market $37,700 Active 79 DOM
  8. 2026-06-02
    pricedays on market $37,700 Active 78 DOM
  9. 2026-06-01
    days on market $43,370 Active 77 DOM
  10. 2026-05-31
    days on market $43,370 Active 76 DOM
  11. 2026-04-16
    price $43,370 997-char remark
    Show marketing remark (997 chars)

    Welcome to an incredible value in Country Club Mobile Estates in Yucca Valley—senior living at its finest! This well-maintained home truly reflects pride of ownership and offers a perfect seasonal retreat, conveniently located just across the street from Hawks Landing Public Golf Course. The home features a spacious, beautifully remodeled kitchen that opens to the living area, creating a comfortable and inviting space for everyday living and entertaining. You’ll also appreciate the convenience of an indoor laundry area. Step outside to enjoy a nicely sized, fenced side yard—perfect for relaxing or gardening—along with a storage shed and covered parking for two vehicles. Residents can take advantage of the newly remodeled clubhouse, complete with a sparkling pool and indoor spa, all just a short walk away. According to the seller, recent updates include the roof, heating system, plumbing, and water heater—making this home truly turnkey and move-in ready.

  12. 2026-03-16
    price $48,220 997-char remark
    Show marketing remark (997 chars)

    Welcome to an incredible value in Country Club Mobile Estates in Yucca Valley—senior living at its finest! This well-maintained home truly reflects pride of ownership and offers a perfect seasonal retreat, conveniently located just across the street from Hawks Landing Public Golf Course. The home features a spacious, beautifully remodeled kitchen that opens to the living area, creating a comfortable and inviting space for everyday living and entertaining. You’ll also appreciate the convenience of an indoor laundry area. Step outside to enjoy a nicely sized, fenced side yard—perfect for relaxing or gardening—along with a storage shed and covered parking for two vehicles. Residents can take advantage of the newly remodeled clubhouse, complete with a sparkling pool and indoor spa, all just a short walk away. According to the seller, recent updates include the roof, heating system, plumbing, and water heater—making this home truly turnkey and move-in ready.

  13. 2026-03-16
    listed $43,500 Active 997-char remark
    Show marketing remark (997 chars)

    Welcome to an incredible value in Country Club Mobile Estates in Yucca Valley—senior living at its finest! This well-maintained home truly reflects pride of ownership and offers a perfect seasonal retreat, conveniently located just across the street from Hawks Landing Public Golf Course. The home features a spacious, beautifully remodeled kitchen that opens to the living area, creating a comfortable and inviting space for everyday living and entertaining. You’ll also appreciate the convenience of an indoor laundry area. Step outside to enjoy a nicely sized, fenced side yard—perfect for relaxing or gardening—along with a storage shed and covered parking for two vehicles. Residents can take advantage of the newly remodeled clubhouse, complete with a sparkling pool and indoor spa, all just a short walk away. According to the seller, recent updates include the roof, heating system, plumbing, and water heater—making this home truly turnkey and move-in ready.

  14. 2023-05-23
    soldstatus $39,900 Closed Sale 719-char remark
    Show marketing remark (719 chars)

    What a great price on this home in the County Club Mobile Estates in Yucca Valley! Senior living at its best! Great place to winter located across the street from the Hawks Landing Public Golf Course. This home has been well maintained, with pride of ownership. Nice side fenced backyard, storage shed. Two car covered parking. Easy to show and you won't find a better price! Very nice sized remodeled kitchen which is open to the living room there is also has and indoor laundry area. Walk up to the newly remodeled club house that has a beautiful pool and an indoor spa! The seller states that the roof, newer heating and plumbing and hot water heater. Turnkey, move-in condition. Call today for your private showing.

  15. 2023-05-17
    status Pending Sale 719-char remark
    Show marketing remark (719 chars)

    What a great price on this home in the County Club Mobile Estates in Yucca Valley! Senior living at its best! Great place to winter located across the street from the Hawks Landing Public Golf Course. This home has been well maintained, with pride of ownership. Nice side fenced backyard, storage shed. Two car covered parking. Easy to show and you won't find a better price! Very nice sized remodeled kitchen which is open to the living room there is also has and indoor laundry area. Walk up to the newly remodeled club house that has a beautiful pool and an indoor spa! The seller states that the roof, newer heating and plumbing and hot water heater. Turnkey, move-in condition. Call today for your private showing.

  16. 2023-05-09
    historical Active Under Contract 719-char remark
    Show marketing remark (719 chars)

    What a great price on this home in the County Club Mobile Estates in Yucca Valley! Senior living at its best! Great place to winter located across the street from the Hawks Landing Public Golf Course. This home has been well maintained, with pride of ownership. Nice side fenced backyard, storage shed. Two car covered parking. Easy to show and you won't find a better price! Very nice sized remodeled kitchen which is open to the living room there is also has and indoor laundry area. Walk up to the newly remodeled club house that has a beautiful pool and an indoor spa! The seller states that the roof, newer heating and plumbing and hot water heater. Turnkey, move-in condition. Call today for your private showing.

  17. 2023-03-24
    listed $39,900 Active 719-char remark
    Show marketing remark (719 chars)

    What a great price on this home in the County Club Mobile Estates in Yucca Valley! Senior living at its best! Great place to winter located across the street from the Hawks Landing Public Golf Course. This home has been well maintained, with pride of ownership. Nice side fenced backyard, storage shed. Two car covered parking. Easy to show and you won't find a better price! Very nice sized remodeled kitchen which is open to the living room there is also has and indoor laundry area. Walk up to the newly remodeled club house that has a beautiful pool and an indoor spa! The seller states that the roof, newer heating and plumbing and hot water heater. Turnkey, move-in condition. Call today for your private showing.

  18. 2021-06-24
    soldstatus $19,900 Closed Sale
  19. 2021-04-29
    status Pending Sale
  20. 2021-04-26
    listed $19,900 Active
  21. 2020-12-10
    historical
  22. 2019-12-30
    listed $17,500 Active
  23. 2016-12-12
    status Pending
  24. 2016-12-11
    historical
  25. 2016-11-08
    price $8,900
  26. 2016-06-16
    price $8,000
  27. 2015-11-05
    listed $7,500 Active

ⓘ 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 6/10 Major FEMA zone X (unshaded) · 74% chance over 30 yrs
  • 🔥 Wildfire 6/10 Major
  • 🌡 Heat 6/10 Major 6 d/yr ≥97°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 12 unhealthy d/yr today · 14 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$18,532
− Mortgage interest
−$2,101
− Property taxes
−$562
− Insurance
−$188
− Repairs & maintenance
−$1,483
− Management
−$1,483
− Depreciation
−$1,091
Taxable income
$11,625
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,790
After-tax cash flow
$8,740/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
Morongo Unified
NCES district ID
0625860
Math proficiency
15% ▼ -12.00%
Reading proficiency
38% ▼ -3.00%
Median HH income
$39,399
Composite
22.19/100
National rank
#8156
State rank
#395 of 517 in CA

Livability — Yucca Valley

Score
60/100
State rank
#566
US rank
#18584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Yucca Valley, CA
County
San Bernardino County · 2,030,291 people
City population
25,415
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
25,415
Household income
$58,373
Rent vs Own
34.1% rent · 65.9% own
Severe rent burden
1132.0

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 0.55)
Race & ethnicity
White 62% Hispanic / Latino 25% Two or more races 18% Black 2% Native American 2% Asian 2% Pacific Islander 1%
Hispanic origin (detail)
Mexican 20%
Common ancestry
Italian 4% Romanian 2% Slovak 2%
Foreign-born
9% · Canada
Languages at home
82% English-only · Spanish 14% Other Indo-European 1% Other Asian/Pacific 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
▼ -241.13%
Current HPI
486.7185
Rent YoY
▲ 4.12%
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

+478.3% since first listed
17 events — show timeline
  • 2026-04-16 Price Changed $43,370 CRMLS
  • 2026-03-16 Price Changed $48,220 CRMLS
  • 2026-03-16 Listed $43,500 CRMLS
  • 2023-05-23 Sold (MLS) $39,900 CRMLS
  • 2023-05-17 Pending CRMLS
  • 2023-05-09 Contingent CRMLS
  • 2023-03-24 Listed $39,900 CRMLS
  • 2021-06-24 Sold (MLS) $19,900 CRMLS
  • 2021-04-29 Pending CRMLS
  • 2021-04-26 Listed $19,900 CRMLS
  • 2020-12-10 Listing Removed CRMLS
  • 2019-12-30 Listed $17,500 CRMLS
  • 2016-12-12 Pending GPSMLS
  • 2016-12-11 Listing Removed GPSMLS
  • 2016-11-08 Price Changed $8,900 GPSMLS
  • 2016-06-16 Price Changed $8,000 GPSMLS
  • 2015-11-05 Listed $7,500 GPSMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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