3945 Bradford St #55 · La Verne, CA 91750

$139,800

2 bd · 2.0 ba · 1,430 sqft · Manufactured public records · 161 Days on market

Built 1973 Good condition $98/sqft · 9% above area Est $129k · 9% over ↓ 7% since listing

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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
• Schools +5.9/10.0
• Livability +3.8/5.0
• Condition / age +3.8/5.0
• ARV discount +3.6/15.0
• Rent growth +3.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WELCOME HOME! Located in the desirable Casitas Mobile Home Estates (55+), this inviting 2-bedroom, 2-bathroom home offers a comfortable layout with generously sized living spaces in a peaceful, well-maintained community. Step inside to a very spacious living room that serves as the heart of the home, enhanced by a bright open floor plan that flows easily into the kitchen and dining areas—ideal for everyday living and entertaining. The interior has been newly painted, creating a fresh and welcoming feel throughout. Your large primary bedroom provides a relaxing retreat and features a spacious en-suite bathroom, while the second bedroom and bathroom offer flexibility for guests, hobbies, or a home office. Outdoor space includes a private patio area and a storage shed for added convenience. Residents of Casitas Mobile Home Estates enjoy a strong sense of community along with mountain views, a pool, clubhouse, and billiard room, all conveniently located near shopping, restaurants, and local amenities. While the primary homeowner must be 55+, residents 18+ are welcome—making it a great setup for a parent with college-aged children.

Key facts

• Clubhouse
• Storage shed
• Billiard room

Tags

• PRIVATE PATIO AREA
• STORAGE SHED
• MOUNTAIN VIEWS
• POOL
• CLUBHOUSE
• BILLIARD ROOM

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $2k ($20k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 20.6% vs local median 3.0% in La Verne — 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 75/100 on livability (#110 in CA, #3,858 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, 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.
• Market conditions: Rents rising (+2.4%/yr); 94 active listings in the ZIP; 26 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 36% of the median local income ($104k/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 $967 of loan paydown is wiped out by about $4k 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 + 2.4% rent growth), your $39k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 161 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,024 (12.0% below list)

Questions for the listing agent

1. It's been on market 161 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — 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 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?
6. 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.
7. 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.
8. 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: 2.26% ✓
• Cap rate: 20.63%
• Cash-on-cash: 51.20%
• DSCR: 3.28
• GRM: 3.7

CMA / ARV

• ARV (median comp): $128,694
• List price: $139,800
• Delta: 8.63%
• 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
3945 Bradford #111	0.00mi	2/2.0	1,440 (+1%)	2mo	$155,000	$108	97
3945 Bradford #39	0.00mi	2/2.0	1,488 (+4%)	5mo	$162,000	$109	89
3800 Bradford #26	0.10mi	2/3.0	1,440 (+1%)	2mo	$275,000	$191	88
3800 Bradford St #311	0.21mi	2/2.0	1,440 (+1%)	2mo	$280,000	$194	87
3800 Bradford St #265	0.21mi	2/2.0	1,440 (+1%)	3mo	$275,000	$191	86
3800 Bradford St #182	0.08mi	2/2.0	1,560 (+9%)	2mo	$260,000	$167	79
4095 Fruit St #324	0.55mi	2/2.0	1,440 (+1%)	0mo	$135,000	$94	72
4095 Fruit St #852	0.55mi	2/2.0	1,400 (-2%)	2mo	$155,000	$111	69
4095 Fruit St #603	0.43mi	2/2.0	1,512 (+6%)	5mo	$300,000	$198	66
4095 Fruit St #114	0.54mi	2/2.0	1,344 (-6%)	0mo	$145,000	$108	64
3800 Bradford #233	0.26mi	3/2.0 (+1)	1,576 (+10%)	2mo	$399,000	$253	64
4095 Fruit St #870	0.55mi	2/2.0	1,248 (-13%)	2mo	$185,000	$148	52

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 · 2.35% rent growth · sell at horizon

5-year hold

• IRR: 48.3%
• Equity multiple: 3.09×
• Total profit: $81,625
• Equity at exit: $20,845

10-year hold

• IRR: 53.7%
• Equity multiple: 6.10×
• Total profit: $199,576
• Equity at exit: $12,087

Cash invested: $39,144 (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 91750

• Rents YoY: 2.4%
• Active inventory: 94
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $3,157 high
• Mortgage (P&I): −$733
• Tax from tax record: −$32 /mo · $387/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$663
• Net cashflow: $1,670

Break-even live

Break-even rent $1,043

Max offer price $139,800

Occupancy floor 42%

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: $34,950
• Closing costs: $4,194
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
450 W Foothill Blvd Pomona, CA	2.0	1.0–2.0	773	$2,565	$3.32	1d	8	0.19mi
3816 Verdana Cir La Verne, CA	2.0	2.5	1243	$3,300	$2.65	19d	1	0.28mi
2577 Sycamore Dr La Verne, CA	3.0	2.0	1350	$2,895	$2.14	43d	1	0.31mi
3836 Verdana Cir La Verne, CA	2.0	2.5	1243	$3,500	$2.82	43d	1	0.33mi
2644 Sycamore Dr La Verne, CA	3.0	2.5	1825	$4,100	$2.25	1d	1	0.35mi
3748 Verdana Cir La Verne, CA	3.0	3.0	1493	$4,500	$3.01	15d	1	0.35mi
150 Drake St Pomona, CA	2.0	2.0	924	$2,514	$2.72	1d	2	0.57mi
235 W Grove St Pomona, CA	1.0–2.0	1.0–2.0	800	$2,576	$3.22	1d	10	0.62mi
2063 Evergreen St La Verne, CA	3.0	2.0	1300	$3,200	$2.46	43d	1	0.65mi
2064 Evergreen St La Verne, CA	2.0	2.0	960	$2,400	$2.50	17d	1	0.66mi
2002 Canopy Ln La Verne, CA	3.0	3.0	1759	$3,450	$1.96	44d	1	0.72mi
3054 Gladstone St #4 Pomona, CA	2.0	1.0	933	$2,500	$2.68	7d	1	0.77mi
2935 Gayridge St Pomona, CA	3.0	2.0	1507	$3,595	$2.39	2d	1	0.82mi
1825 Foothill Blvd La Verne, CA	1.0–2.0	1.0–2.0	878	$2,861	$3.26	1d	15	0.83mi
2958 Gramercy St Pomona, CA	3.0	2.0	1364	$3,350	$2.46	6d	1	0.83mi
3636 Sumner Ave #210 Pomona, CA	2.0	2.0	1290	$2,400	$1.86	6d	1	0.87mi
3807 Abbey Way La Verne, CA	3.0	2.0	1159	$3,150	$2.72	43d	1	1.03mi
1623 Heather Dr La Verne, CA	3.0	1.5	1121	$3,250	$2.90	19d	1	1.04mi
2728 Crozier Ct Pomona, CA	3.0	3.0	1497	$3,295	$2.20	1d	1	1.18mi
2771 N Garey Ave Pomona, CA	1.0–3.0	1.0–2.0	1065	$2,930	$2.75	1d	8	1.21mi
2707 Erebus Ct Pomona, CA	3.0	3.0	1497	$3,400	$2.27	43d	1	1.22mi
1051 Amador St Claremont, CA	3.0	2.0	1469	$4,200	$2.86	1d	1	1.24mi
2892 Cedar Ln Pomona, CA	3.0	3.5	1818	$3,300	$1.82	43d	1	1.38mi
2013 Walnut St Unit B La Verne, CA	2.0	1.0	900	$2,800	$3.11	43d	1	1.40mi
795 Hazel Way Pomona, CA	3.0	3.0	1401	$3,100	$2.21	10d	1	1.45mi
245 E Grevillia St Pomona, CA	2.0	1.0	988	$2,400	$2.43	43d	1	1.48mi

Listing history 16 events

1. 2026-06-18
   days on market $139,800 Active 161 DOM
2. 2026-06-17
   days on market $139,800 Active 160 DOM
3. 2026-06-16
   days on market $139,800 Active 159 DOM
4. 2026-06-15
   days on market $139,800 Active 158 DOM
5. 2026-06-13
   days on market $139,800 Active 156 DOM
6. 2026-06-13
   days on market $139,800 Active 155 DOM
7. 2026-06-09
   days on market $139,800 Active 152 DOM
8. 2026-06-08
   days on market $139,800 Active 151 DOM
9. 2026-06-07
   days on market $139,800 Active 150 DOM
10. 2026-06-04
    days on market $139,800 Active 147 DOM
11. 2026-06-03
    days on market $139,800 Active 146 DOM
12. 2026-06-02
    days on market $139,800 Active 145 DOM
13. 2026-06-01
    days on market $139,800 Active 144 DOM
14. 2026-05-31
    days on market $139,800 Active 143 DOM
15. 2026-04-01
    price $139,800 1156-char remark

    Show marketing remark (1156 chars)

    WELCOME HOME! Located in the desirable Casitas Mobile Home Estates (55+), this inviting 2-bedroom, 2-bathroom home offers a comfortable layout with generously sized living spaces in a peaceful, well-maintained community. Step inside to a very spacious living room that serves as the heart of the home, enhanced by a bright open floor plan that flows easily into the kitchen and dining areas—ideal for everyday living and entertaining. The interior has been newly painted, creating a fresh and welcoming feel throughout. Your large primary bedroom provides a relaxing retreat and features a spacious en-suite bathroom, while the second bedroom and bathroom offer flexibility for guests, hobbies, or a home office. Outdoor space includes a private patio area and a storage shed for added convenience. Residents of Casitas Mobile Home Estates enjoy a strong sense of community along with mountain views, a pool, clubhouse, and billiard room, all conveniently located near shopping, restaurants, and local amenities. While the primary homeowner must be 55+, residents 18+ are welcome—making it a great setup for a parent with college-aged children.

16. 2026-01-08
    listed $149,800 Active 1156-char remark

    Show marketing remark (1156 chars)

    WELCOME HOME! Located in the desirable Casitas Mobile Home Estates (55+), this inviting 2-bedroom, 2-bathroom home offers a comfortable layout with generously sized living spaces in a peaceful, well-maintained community. Step inside to a very spacious living room that serves as the heart of the home, enhanced by a bright open floor plan that flows easily into the kitchen and dining areas—ideal for everyday living and entertaining. The interior has been newly painted, creating a fresh and welcoming feel throughout. Your large primary bedroom provides a relaxing retreat and features a spacious en-suite bathroom, while the second bedroom and bathroom offer flexibility for guests, hobbies, or a home office. Outdoor space includes a private patio area and a storage shed for added convenience. Residents of Casitas Mobile Home Estates enjoy a strong sense of community along with mountain views, a pool, clubhouse, and billiard room, all conveniently located near shopping, restaurants, and local amenities. While the primary homeowner must be 55+, residents 18+ are welcome—making it a great setup for a parent with college-aged children.

ⓘ 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: $387 · $32/mo
• Projected year-2 tax: $1,062 · $89/mo
• Expected delta: +$676/yr (+$56/mo · 174.7%)

ⓘ 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 8/10 Severe
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 17 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

Taxation est. · year 1

• Rental income: $37,879
• − Mortgage interest: −$7,831
• − Property taxes: −$387
• − Insurance: −$699
• − Repairs & maintenance: −$3,030
• − Management: −$3,030
• − Depreciation: −$4,067
• Taxable income: $18,835
• Est. tax owed @ 24.0%: −$4,520
• After-tax cash flow: $15,521/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 · 3 photos

Good 75/100 Cosmetic rehab

This 2-bedroom, 2-bathroom home in the Casitas Mobile Home Estates (55+) is in good condition with a fresh paint job and well-maintained landscaping. It offers a comfortable layout and is ready for a new owner.

Value-add opportunities

• Both Painting the exterior — Fresh paint can enhance curb appeal and the home's overall appearance.
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract more potential buyers or renters.
• Both Interior updates — Fresh paint and minor updates can make the interior more inviting and appealing to potential buyers or renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Fresh paint can enhance curb appeal and the home's overall appearance. ↑
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract more potential buyers or renters. ↑
• Both Interior updates — Fresh paint and minor updates can make the interior more inviting and appealing to potential buyers or renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

Livability — La Verne

• Score: 75/100
• State rank: #110
• US rank: #3858

Category grades

Amenities A+ 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: La Verne, CA
• County: Los Angeles County · 9,444,647 people
• City population: 32,692
• Metro: Los Angeles-Long Beach-Anaheim, CA
• Population (ZIP): 32,692
• Household income: $104,195
• Rent vs Own: 30.5% rent · 69.5% own
• Severe rent burden: 872.0

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 44% Hispanic / Latino 36% Two or more races 20% Asian 10% Black 4%
• Hispanic origin (detail): Mexican 31%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 1%
• Foreign-born: 17% · Canada, China, South Korea
• Languages at home: 75% English-only · Spanish 12% Chinese 3% Other Indo-European 3%

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: ▼ -729.79%
• Current HPI: 373.7761
• Rent YoY: ▲ 2.35%
• 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
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

-6.7% since first listed

2 events — show timeline

• 2026-04-01 Price Changed $139,800 CRMLS
• 2026-01-08 Listed $149,800 CRMLS

Property tax history

+8.4%/yr

Latest (2025): $387 · +8.4% YoY. Source: county tax records.