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B- Composite 69.1
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 +10.3/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.3/10.0
  • Appreciation +0.0/10.0

$65,500

1716 Sunbeam Lake Dr #147 · Seeley, CA 92243
1 bd · 1.0 ba · 416 sqft · Manufactured · 180 Days on market
Built 2007 Est $70k · 6% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Welcome to 1716 Sunbeam Lake Dr #147 A cozy 1 bedroom and 1 bath home featuring updated flooring throughout and fully furnished. This site is located on a lake site an near the office. It's move-in ready and located within a beautiful well maintained park, that offers a pool, spa, sports courts, rec room, lake, boat deck, laundry sites, and so much more. This gated community gives peace of mind to its residents. Enjoy morning walks, runs or fishing around the lake. Perfect for easy living, a weekend retreat, or a low maintenance lifestyle. Call your favorite realtor to schedule a private tour. Space rent is paid annually not monthly. The annual rent is $3133.75 for 2026

Key facts

  • Gated community
  • Spa
  • Updated flooring

Tags

UPDATED FLOORINGFULLY FURNISHEDGATED COMMUNITYPOOLSPASPORTS COURTS

Property features AI

Finance

  • HOA & community: Gated community; Community pool

Exterior

  • Parking: 2 parking spaces
  • Security: Gated community access
  • Home design: Single-story; Residential mobile home
  • Exterior features: Gated community; Community pool; Gravel parking area; Directions: Take I-8 West and exit Drew Road. Take right onto Drew Road and then make right into Sunbeam Lake Park. Proceed down road and once you get to the gate you will need access code

Interior

  • Kitchen: Microwave; Electric oven
  • Flooring: Laminate flooring
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: Microwave; Electric oven

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 1-bed/1.0-bath manufactured listed at $66k.

Deal economics

  • At list price, monthly cash flow is $471 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $66k).
  • Recommended offer: $58k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 49/100 on livability (#1,180 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A, crime B; Watch: schools F, amenities F, commute F.
  • Seeley Union Elementary (rural): math 11% / reading 20% proficiency, ranked #489 of 517 in CA (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 121 active listings in the ZIP; 271 units permitted in Imperial County in 2024 (112 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $453 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Imperial County population projected at +7% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 180 days — a 12% lower offer ($58k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 4y ago; this cycle's ask has dropped $6k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • 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 $57,640 (12.0% below list)

Questions for the listing agent

  1. It's been on market 180 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  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
1.78%
Cap rate
14.91%
Cash-on-cash
30.79%
DSCR
2.37
GRM
4.7

CMA / ARV

ARV (on-the-fly)
$69,888
Comps found
3
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1716 Sunbeam Lake Dr #246 0.16mi 1/1.0 420 (+1%) 2mo $65,000 $155 90
1716 Sunbeam Lake Dr #430 0.16mi 1/1.0 400 (-4%) 5mo $67,000 $168 82
1716 Sunbeam Lake Dr #737 0.16mi 1/1.0 400 (-4%) 10mo $68,000 $170 78

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
25.5%
Equity multiple
2.06×
Total profit
$19,372
Equity at exit
$9,766
10-year hold
IRR
33.3%
Equity multiple
4.03×
Total profit
$55,528
Equity at exit
$5,663

Cash invested: $18,340 (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 92243

Home prices YoY
-30.1%
Active inventory
121
Price-to-rent
4.7×

Monthly cashflow live

Estimated rent
$1,169 medium interval (Pro) →
Mortgage (P&I)
$343
Tax est. 1.5%
$82 /mo · $982/yr
Insurance
$27
HOA
$0
Vacancy / Maint / Mgmt
$245
Net cashflow
$471

Break-even live

Break-even rent $573
Max offer price $65,500
Occupancy floor 55%

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
$16,375
Closing costs
$1,965
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.

Listing history 13 events

  1. 2026-06-10
    days on market $65,500 Active 180 DOM
  2. 2026-06-09
    days on market $65,500 Active 179 DOM
  3. 2026-06-08
    days on market $65,500 Active 178 DOM
  4. 2026-06-07
    days on market $65,500 Active 177 DOM
  5. 2026-06-05
    days on market $65,500 Active 174 DOM
  6. 2026-06-03
    days on market $65,500 Active 173 DOM
  7. 2026-06-02
    days on market $65,500 Active 172 DOM
  8. 2026-06-01
    days on market $65,500 Active 171 DOM
  9. 2026-05-31
    days on market $65,500 Active 170 DOM
  10. 2026-05-30
    days on market $65,500 Active 169 DOM
  11. 2026-02-25
    price $65,500
  12. 2025-12-11
    listed $72,000 Active
  13. 2022-01-28
    listed $45,000

ⓘ 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 3/10 Moderate
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥113°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
$14,023
− Mortgage interest
−$3,669
− Property taxes
−$982
− Insurance
−$328
− Repairs & maintenance
−$1,122
− Management
−$1,122
− Depreciation
−$1,905
Taxable income
$4,895
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,175
After-tax cash flow
$4,472/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
Seeley Union Elementary
NCES district ID
0636210
Math proficiency
11% ▼ -15.00%
Reading proficiency
20% ▼ -10.00%
Median HH income
$40,082
Composite
13.2/100
National rank
#9553
State rank
#489 of 517 in CA

Livability — Seeley

Score
49/100
State rank
#1180
US rank
#25954

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Seeley, CA
County
Imperial County · 104,838 people
Metro
El Centro, CA
Population (ZIP)
49,069
Household income
$55,057
Rent vs Own
48.5% rent · 51.5% own
Severe rent burden
1683.0

Population outlook (Imperial County) Hauer SSP2

Today (2025)
186,713 people
By 2030
190,022 · +1.8%
By 2040
195,993 · +5.0%
By 2050
199,534 · +6.9%
By 2075
216,878 · +16.2%
By 2100
352,705 · +88.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (85%)
Race & ethnicity
Hispanic / Latino 85% Two or more races 24% White 9% Black 4%
Hispanic origin (detail)
Mexican 81%
Common ancestry
Lithuanian 1%
Foreign-born
29% · Canada
Languages at home
25% English-only · Spanish 74%

Political lean MEDSL · Imperial

2024 margin
Toss-up / Even · D 48.3% · R 49.1% · Other 2.6%
2008→2024 swing
-27.0pp toward R · 2008: 26.2pp · 2024: -0.9pp
All cycles
2024: R+0.9 2020: D+24.4 2016: D+41.1 2012: D+28.8 2008: D+26.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -156.41%
Current HPI
362.4044
Rent YoY
Metro
El Centro, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+45.6% since first listed
3 events — show timeline
  • 2026-02-25 Price Changed $65,500 ICAOR
  • 2025-12-11 Listed $72,000 ICAOR
  • 2022-01-28 Listed $45,000 ICAOR

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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