CashFlowRE
Sign in Sign up
Plan 2325 Modeled Plan 🏗️ New Construction
D- Composite 36.98
Why this score? — see what drove the D- 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).

  • Appreciation +10.0/10.0
  • ARV discount +7.5/15.0
  • Cash flow +6.1/30.0
  • Condition / age +4.0/5.0
  • Schools +2.6/10.0
  • Livability +2.6/5.0
  • Rent growth +2.3/5.0
  • 1% rule +1.4/10.0
  • DSCR +0.4/10.0

$542,990

Plan 2325 Modeled Plan · Winchester, CA 92596
5 bd · 3.0 ba · 2,325 sqft · SingleFamily · 218 Days on market
Good condition 2-car garage

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

Listing remarks

* Downstairs bedroom with full bath * Walk-in shower at primary bath and bath 3 * Covered back patio * Satin nickel interior door hardware with antimicrobial technology * Thermofoil cabinets with brushed satin nickel knobs * Stainless steel appliances * Kitchen island * Loft * Upstairs laundry room * Solar energy system * Smart thermostat * ENERGY STAR® certified home * Planned swimming pool * Close to medical facilities * Near entertainment and leisure * Outdoor recreation nearby * Close to family friendly parks * Hiking trails nearby

Key facts

  • Solar energy system
  • Thermofoil cabinets
  • Covered back patio

Tags

COVERED BACK PATIOWALK-IN SHOWERTHERMOFOIL CABINETSSTAINLESS STEEL APPLIANCESKITCHEN ISLANDSOLAR ENERGY SYSTEM

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $542,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $636,050.

What this means for you Summary

Snapshot

  • This is a 5-bed/3.0-bath single-family listed at $543k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-1k ($-14k/yr) — negative.
  • To cash-flow at today's rent, offer at most $465k (14.4% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $406k (25.1% below list).
  • Recommended offer: $406k (25.1% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 52/100 on livability (#992 in CA) — a working-class tenant base; expect higher turnover. Strengths: crime B; Watch: amenities F, commute F, cost of living F.
  • Hemet Unified (suburban): math 19% / reading 41% proficiency, ranked #360 of 517 in CA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Winchester Elementary (683 students, 79% FRL); Rancho Viejo Middle (math 24% / reading 24%, grade F, #277 of 498 statewide, top 73%, 975 students, 88% FRL); Tahquitz High (math 14% / reading 42%, grade F, #777 of 1,170 statewide, top 67%, 1,727 students, 88% FRL) — zoned schools average 85% FRL vs 66% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents soft (-0.8%/yr); 509 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 38d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 9,195 units permitted in Riverside County in 2024 (1,512 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($133k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • In year one you build about $68k of equity ($4k loan paydown + $64k appreciation (10.0% local appreciation)).
  • Riverside County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • By year 2, paydown + projected appreciation supports a ~$109k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 218 days — a 12% lower offer ($478k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $406,437 (25.1% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 218 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
  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 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?
  6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  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
0.64% ✗
Cap rate
4.06%
Cash-on-cash
-7.98%
DSCR
0.64
GRM
13.0

CMA / ARV

ARV (median comp)
$636,050
List price
$542,990
Delta
-14.63%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
29490 Encelia Ln 0.15mi 4/3.0 (-1) 2,503 (+8%) 0mo $667,555 $267 75
30753 Alister Ln 0.19mi 5/3.0 2,534 (+9%) 2mo $639,000 $252 74
30656 Paul Ln 0.16mi 4/3.0 (-1) 2,503 (+8%) 1mo $634,555 $254 74
29465 Encelia Ln 0.17mi 4/3.0 (-1) 2,503 (+8%) 1mo $619,990 $248 74
30667 Expedition Dr 0.23mi 5/2.5 2,540 (+9%) 1mo $668,000 $263 71
31096 Ferguson Ct 0.44mi 4/3.0 (-1) 2,449 (+5%) 2mo $695,000 $284 64
30525 Camino Placer 0.57mi 4/3.0 (-1) 2,259 (-3%) 2mo $633,730 $281 62
30549 Camino Placer 0.56mi 5/3.0 2,537 (+9%) 2mo $693,990 $274 57
28777 Via de Manzana 0.59mi 5/3.0 2,537 (+9%) 2mo $699,990 $276 56
29081 Soffel 0.33mi 4/2.0 (-1) 2,033 (-13%) 0mo $560,000 $275 54
28729 Via de Manzana 0.63mi 5/3.0 2,537 (+9%) 1mo $679,990 $268 54
31144 Ferguson Ct 0.48mi 4/3.0 (-1) 2,085 (-10%) 1mo $639,990 $307 54

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
17.9%
Equity multiple
2.45×
Total profit
$259,103
Equity at exit
$573,004
10-year hold
IRR
16.3%
Equity multiple
5.50×
Total profit
$801,148
Equity at exit
$1,235,704

Cash invested: $178,094 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
82 active · 50 under contract
Months of supply
9.5 mo (11%/mo absorbed)
Median asking
$639,990 ($272/sqft)
Median days on market
68 d
This list price
5% of active listings are priced below it
ARV vs active asking
+0.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 92596

Home prices YoY
3.9%
Rents YoY
-0.8%
Active inventory
509
Price-to-rent
11.1×

Monthly cashflow live

Estimated rent
$4,064 high interval (Pro) →
Mortgage (P&I)
−$3,336
Tax est. 1.5%
−$795 /mo · $9,541/yr
Insurance
−$265
HOA
−$0
Vacancy / Maint / Mgmt
−$854
Net cashflow
$-1,185

Break-even live

Break-even rent $5,564
Max offer price $464,615
Occupancy floor —

Sensitivity live

Price -10% $-745 -5% $-965 +0% $-1,185 +5% $-1,405 +10% $-1,624
Rent -10% $-1,506 -5% $-1,345 +0% $-1,185 +5% $-1,024 +10% $-864
Rate -1.0pp $-864 -0.5pp $-1,023 base $-1,185 +0.5pp $-1,350 +1.0pp $-1,517

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
$159,012
Closing costs
$19,081
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
29343 Windy Willow Ln Menifee, CA 4.0 3.0 2083 $4,500 $2.16 0d 1 0.12mi
29221 Searchers Ct Winchester, CA 4.0 2.0 2374 $3,695 $1.56 13d 1 0.21mi
30551 Vera Cruz Cir Winchester, CA 5.0 3.0 2866 $3,400 $1.19 19d 1 0.30mi
30872 Hawkscrest Dr Winchester, CA 4.0 3.0 2227 $3,350 $1.50 0d 1 0.31mi
30783 Pony Express Dr Winchester, CA 4.0 3.0 2239 $3,200 $1.43 0d 1 0.36mi
30851 Le Baron Ct Winchester, CA 4.0 2.5 1835 $3,245 $1.77 10d 1 0.38mi
30607 Cyclone Ave Winchester, CA 4.0 3.0 2056 $3,199 $1.56 75d 1 0.41mi
28876 Camaro Dr Winchester, CA 5.0 3.0 2400 $3,350 $1.40 3d 1 0.41mi
31880 Corte Avila Menifee, CA 5.0 3.5 3056 $3,950 $1.29 159d 1 0.41mi
28872 Camino Santiago Unit MAIN HOME Winchester, CA 4.0 3.0 2446 $3,595 $1.47 151d 1 0.42mi
28841 Cutlass St Winchester, CA 5.0 3.0 2391 $3,395 $1.42 114d 1 0.44mi
28798 Enclave Ln Winchester, CA 4.0 2.5 1835 $3,200 $1.74 18d 1 0.50mi
28798 Enclave Ln Winchester, CA 4.0 2.5 1835 $3,095 $1.69 3d 1 0.50mi
28743 Camaro Dr Winchester, CA 4.0 3.0 2059 $3,300 $1.60 43d 1 0.50mi
30913 Chuckwagon Ct Winchester, CA 4.0 3.0 2474 $3,395 $1.37 132d 1 0.54mi
28650 New Yorker Ln Winchester, CA 5.0 3.0 1875 $3,500 $1.87 37d 1 0.61mi
28635 Matador Rd Winchester, CA 4.0 2.5 1775 $2,995 $1.69 114d 1 0.62mi
29291 Mountain Pine Ct Winchester, CA 4.0 2.5 1699 $3,399 $2.00 10d 1 0.77mi
29291 Mountain Pine Ct Winchester, CA 4.0 2.5 1699 $3,399 $2.00 21d 1 0.77mi
29322 Leopard Wood Way Winchester, CA 4.0 2.5 1699 $3,499 $2.06 1d 1 0.80mi
29328 Leopard Wood Way Winchester, CA 4.0 2.5 1771 $3,569 $2.02 1d 1 0.80mi
30540 Altima Ct Winchester, CA 5.0 3.0 1874 $3,300 $1.76 3d 1 0.81mi
30540 Altima Ct Winchester, CA 5.0 3.0 1873 $3,300 $1.76 114d 1 0.81mi
29505 Bovenzi Way Winchester, CA 4.0 2.0 1754 $3,100 $1.77 155d 1 0.82mi
29439 Walnut Tree Way Winchester, CA 4.0 3.0 1858 $3,709 $2.00 51d 1 0.85mi
29422 Walnut Tree Way Winchester, CA 4.0 2.5 1771 $3,419 $1.93 35d 1 0.86mi
29422 Walnut Tree Way Winchester, CA 4.0 2.5 1771 $3,469 $1.96 91d 1 0.86mi
29428 Walnut Tree Way Winchester, CA 4.0 2.5 1699 $3,399 $2.00 88d 1 0.86mi
29428 Walnut Tree Way Winchester, CA 4.0 2.5 1699 $3,349 $1.97 20d 1 0.86mi
29423 Cumaru Ct Winchester, CA 4.0 2.5 1771 $3,379 $1.91 37d 1 0.87mi
29423 Cumaru Ct Winchester, CA 4.0 2.5 1771 $3,469 $1.96 122d 1 0.87mi
29429 Cumaru Ct Winchester, CA 4.0 2.5 1699 $3,349 $1.97 131d 1 0.87mi
29394 Cumaru Ct Winchester, CA 4.0 3.0 929 $3,809 $4.10 0d 1 0.89mi
29424 Cumaru Ct Winchester, CA 4.0 2.5 1771 $3,459 $1.95 161d 1 0.89mi
29430 Cumaru Ct Winchester, CA 4.0 2.5 1699 $3,379 $1.99 138d 1 0.89mi
29471 Granadillo Ct Winchester, CA 4.0 2.5 1699 $3,349 $1.97 161d 1 0.90mi
29865 Incense Ct Menifee, CA 5.0 3.0 2824 $3,800 $1.35 6d 1 0.90mi
31097 Linden Flower Rd Winchester, CA 4.0 3.5 2617 $7,500 $2.87 116d 1 0.92mi
31097 Linden Flower Rd Winchester, CA 4.0 3.5 2617 $6,000 $2.29 12d 1 0.92mi
31097 Linden Flower Rd Winchester, CA 4.0 3.5 2617 $6,000 $2.29 0d 1 0.92mi

Property features AI

Finance

Other
Address shown as Plan 2325 Modeled Plan, Winchester CA 92596
Financial info
List price available (details provided in listing)

Exterior

Parking
2-car garage (2 total parking spaces)
Home design
Plan 2325 ModeledLocated in Winchester, CA
Construction
New construction (2026 listing)Model home
Exterior features
New construction plan homeLiving area approximately 2325

Interior

Kitchen
Model kitchen (details not provided)
Bedrooms
5 bedrooms
Bathrooms
3 full bathrooms
Interior features
Open living area (model plan)
Laundry & utility
Laundry area (details not provided)

Listing history 50 events

  1. 2026-11-08
    days on market $542,990 Active 218 DOM
  2. 2026-11-07
    days on market $542,990 Active 217 DOM
  3. 2026-11-06
    days on market $542,990 Active 216 DOM
  4. 2026-11-06
    days on market $542,990 Active 215 DOM
  5. 2026-11-04
    days on market $542,990 Active 214 DOM
  6. 2026-11-02
    days on market $542,990 Active 212 DOM
  7. 2026-11-01
    days on market $542,990 Active 211 DOM
  8. 2026-10-31
    days on market $542,990 Active 210 DOM
  9. 2026-10-30
    days on market $542,990 Active 209 DOM
  10. 2026-10-29
    days on market $542,990 Active 208 DOM
  11. 2026-10-28
    days on market $542,990 Active 207 DOM
  12. 2026-10-27
    days on market $542,990 Active 206 DOM
  13. 2026-10-26
    days on market $542,990 Active 205 DOM
  14. 2026-10-25
    days on market $542,990 Active 204 DOM
  15. 2026-10-24
    days on market $542,990 Active 203 DOM
  16. 2026-10-23
    days on market $542,990 Active 202 DOM
  17. 2026-10-22
    days on market $542,990 Active 201 DOM
  18. 2026-10-21
    days on market $542,990 Active 200 DOM
  19. 2026-10-20
    days on market $542,990 Active 199 DOM
  20. 2026-10-19
    days on market $542,990 Active 198 DOM
  21. 2026-10-18
    days on market $542,990 Active 197 DOM
  22. 2026-10-17
    days on market $542,990 Active 196 DOM
  23. 2026-10-16
    days on market $542,990 Active 195 DOM
  24. 2026-10-15
    days on market $542,990 Active 194 DOM
  25. 2026-10-14
    days on market $542,990 Active 193 DOM
  26. 2026-10-13
    days on market $542,990 Active 192 DOM
  27. 2026-10-12
    days on market $542,990 Active 191 DOM
  28. 2026-10-11
    days on market $542,990 Active 190 DOM
  29. 2026-10-10
    days on market $542,990 Active 189 DOM
  30. 2026-10-09
    days on market $542,990 Active 188 DOM
  31. 2026-10-08
    days on market $542,990 Active 187 DOM
  32. 2026-10-07
    days on market $542,990 Active 186 DOM
  33. 2026-10-06
    days on market $542,990 Active 185 DOM
  34. 2026-10-05
    days on market $542,990 Active 184 DOM
  35. 2026-10-04
    days on market $542,990 Active 183 DOM
  36. 2026-10-04
    days on market $542,990 Active 182 DOM
  37. 2026-10-02
    days on market $542,990 Active 181 DOM
  38. 2026-10-01
    price $542,990 Active 180 DOM
  39. 2026-10-01
    days on market $562,990 Active 180 DOM
  40. 2026-09-30
    days on market $562,990 Active 179 DOM
  41. 2026-09-29
    days on market $562,990 Active 178 DOM
  42. 2026-09-28
    days on market $562,990 Active 177 DOM
  43. 2026-09-27
    days on market $562,990 Active 176 DOM
  44. 2026-09-25
    days on market $562,990 Active 174 DOM
  45. 2026-09-24
    days on market $562,990 Active 173 DOM
  46. 2026-09-23
    days on market $562,990 Active 172 DOM
  47. 2026-09-22
    days on market $562,990 Active 171 DOM
  48. 2026-09-21
    days on market $562,990 Active 170 DOM
  49. 2026-09-20
    days on market $562,990 Active 169 DOM
  50. 2026-09-19
    days on market $562,990 Active 168 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 5/10 Major
  • 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 14 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$48,772
− Mortgage interest
−$35,629
− Property taxes
−$9,541
− Insurance
−$3,180
− Repairs & maintenance
−$3,902
− Management
−$3,902
− Depreciation
−$18,503
Taxable loss
−$25,884
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$6,212
After-tax cash flow
$-8,005/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 · 1 photo

Good 80/100 Cosmetic rehab Est. rehab $11,625–$34,875 screening

This home is in excellent condition with minimal maintenance required. It offers a good return on investment with updates that can significantly enhance its resale and rental value.

Value-add opportunities

  • Both Painting exterior and interior — Enhances curb appeal and interior aesthetics ↑
  • Both Landscaping improvements — Enhances curb appeal and adds value ↑
  • Both Smart home integration — Enhances convenience and adds value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 26/100

Zoned Schools

Elementary Winchester Elementary Middle Rancho Viejo Middle F CA #277/498 Nat'l #10,474/14,009 High Tahquitz High F CA #777/1,170 Nat'l #11,740/17,239

Schools (NCES district)

District
Hemet Unified
NCES district ID
0616920
Math proficiency
19% ▼ -3.00%
Reading proficiency
41% ▲ 4.00%
Median HH income
$39,962
Composite
25.16/100
National rank
#7517
State rank
#360 of 517 in CA
D Composite livability gradescore 52/100

Livability — Winchester

Score
52/100
State rank
#992
US rank
#24750

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Riverside County · 2,664,475 people
City population
38,981
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
38,981
Household income
$132,538
Rent vs Own
16.1% rent · 83.9% own
Severe rent burden
19% of renters

Population outlook (Riverside County) Hauer SSP2

Today (2025)
2,664,475 people
By 2030
2,802,692 · +5.2%
By 2040
3,050,904 · +14.5%
By 2050
3,256,783 · +22.2%
By 2075
3,655,058 · +37.2%
By 2100
3,766,594 · +41.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.72)
Race & ethnicity
White 38% Hispanic / Latino 34% Two or more races 16% Asian 12% Black 6% Pacific Islander 2%
Hispanic origin (detail)
Mexican 29%
Languages at home
76% English-only · Spanish 16% Tagalog/Filipino 4% Vietnamese 1%

Political lean MEDSL · Riverside

2024 margin
Toss-up / Even · D 48.0% · R 49.3% · Other 2.6%
2008→2024 swing
-3.6pp toward R · 2008: 2.3pp · 2024: -1.3pp
All cycles
2024: R+1.3 2020: D+8.0 2016: D+4.3 2012: R+0.4 2008: D+2.3

Not yet ingested

Civics
—

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…