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1630 W Covina Blvd #60
C+ Composite 64.25
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 +22.5/30.0
  • ARV discount +15.0/15.0
  • DSCR +7.5/10.0
  • 1% rule +7.3/10.0
  • Schools +5.2/10.0
  • Condition / age +4.0/5.0
  • Livability +3.6/5.0
  • Appreciation +2.5/10.0
  • Rent growth +2.3/5.0
  • Manufactured-home adj. -5.6

$129,000

1630 W Covina Blvd #60 · San Dimas, CA 91773
1 bd · 2.0 ba · 940 sqft · Manufactured · 27 Days on market
Manufactured home 55+ age-restricted Built 1964 Good condition 1,000 sqft lot $137/sqft · 19% below area Est $160k · 19% under

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

Listing remarks

Completely renovated mobile home located in a desirable 55+ community. This move-in-ready home features an open floor plan with recessed lighting, new laminate flooring, new cabinetry throughout, and updated electrical outlets with dimmers. The remodeled kitchen includes new stainless steel appliances (range, dishwasher, and hood) and a tile backsplash. Bathrooms have been fully updated with new vanities, quartz countertops, new mirrors, modern fixtures, a new bathtub, and a separate shower. Major upgrades include all new copper plumbing and a tankless water heater.

Key facts

  • Open floor plan
  • Recessed lighting
  • New cabinetry

Tags

RENOVATED MOBILE HOMEOPEN FLOOR PLANRECESSED LIGHTINGNEW LAMINATE FLOORINGNEW CABINETRYUPDATED ELECTRICAL OUTLETS

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/2.0-bath manufactured listed at $129k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $602 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $129k).
  • Recommended offer: $127k (1.5% below list) — sets the bar for market timing.
  • Cap rate 11.9% vs local median 2.6% in San Dimas — 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 72/100 on livability (#192 in CA) — a middle-class / working-renter tenant base. Strengths: employment A+, commute A; Watch: cost of living F, health & safety F.
  • Charter Oak Unified (suburban): math 45% / reading 55% proficiency, ranked #387 of 1,400 in CA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Glen Oak Elementary (385 students, 60% FRL); Royal Oak Middle (622 students, 66% FRL); Charter Oak High (math 46% / reading 57%, grade D+, #312 of 1,170 statewide, top 27%, 1,329 students, 61% FRL) — zoned schools average 62% FRL vs 43% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents soft (-1.0%/yr); 109 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 67d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 19,697 units permitted in Los Angeles County in 2024 (9,426 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $892 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 + 0.0% rent growth), your $36k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 27 days — a 2% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
  • 8 sale attempts since 2y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $90k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $127,065 (1.5% below list)

Questions for the listing agent

  1. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. Schools are B-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?
  4. 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.
  5. 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.
  6. 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
1.47%
Cap rate
11.90%
Cash-on-cash
20.01%
DSCR
1.89
GRM
5.7

CMA / ARV

ARV (median comp)
$159,900
List price
$129,000
Delta
-19.32%
Verdict
UNDERPRICED
Comps
9 within 1.0 mi
Show comp detail 10 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1630 W Covina Blvd #60 0.00mi 1/2.0 940 (0%) 4mo $159,000 $169 97
21310 E Covina Blvd #2 0.09mi 2/2.0 (+1) 960 (+2%) 2mo $159,900 $167 86
21310 E Covina Blvd #51 0.09mi 2/2.0 (+1) 960 (+2%) 15mo $145,000 $151 75
21210 Arriw Hwy # 48 0.51mi 2/2.0 (+1) 960 (+2%) 1mo $129,000 $134 66
21210 Arrow Hwy #145 0.53mi 2/2.0 (+1) 1,007 (+7%) 14mo $189,000 $188 47
1254 W Cienega Ave #154 0.54mi 2/2.0 (+1) 880 (-6%) 16mo $100,000 $114 46
1205 Cypress St #71 0.63mi 2/2.0 (+1) 960 (+2%) 20mo $118,000 $123 45
1205 Cypress St W #19 0.63mi 2/2.0 (+1) 880 (-6%) 19mo $140,000 $159 39
1245 W Cienega Ave #95 0.59mi 2/2.0 (+1) 1,080 (+15%) 11mo $137,500 $127 34
1205 Cypress St #188 0.63mi 2/1.0 (+1) 800 (-15%) 6mo $120,000 $150 31

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
8.7%
Equity multiple
1.33×
Total profit
$11,950
Equity at exit
$19,234
10-year hold
IRR
15.2%
Equity multiple
2.07×
Total profit
$38,508
Equity at exit
$11,154

Cash invested: $36,120 (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
6 active · 4 under contract
Months of supply
9.0 mo (11%/mo absorbed)
Median asking
$161,250 ($171/sqft)
Median days on market
51 d
This list price
17% of active listings are priced below it
ARV vs active asking
-0.4% vs current asking $/sqft

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

ZIP-level market 91773

Rents YoY
-1.0%
Active inventory
109
Price-to-rent
5.7×

Monthly cashflow live

Estimated rent
$1,891 high interval (Pro) →
Mortgage (P&I)
$676
Tax est. 1.5%
$161 /mo · $1,935/yr
Insurance
$54
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$397
Net cashflow
$602

Break-even live

Break-even rent $1,128
Max offer price $129,000
Occupancy floor 63%

Sensitivity live

Price -10% $692 -5% $647 +0% $602 +5% $558 +10% $513
Rent -10% $453 -5% $528 +0% $602 +5% $677 +10% $752
Rate -1.0pp $667 -0.5pp $635 base $602 +0.5pp $569 +1.0pp $535

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
$32,250
Closing costs
$3,870
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 20 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4741 Valley Center Ave San Dimas, CA 1.0 1.0 644 $2,000 $3.11 50d 1 0.17mi
1463 Cypress St San Dimas, CA 2.0 1.0 884 $2,800 $3.17 33d 1 0.28mi
20983 E Covina Blvd Covina, CA 2.0 2.0 962 $2,500 $2.60 120d 1 0.35mi
20983 E Covina Blvd Covina, CA 2.0 2.0 962 $2,650 $2.75 79d 1 0.35mi
1116 N Barston Ave Covina, CA 2.0 1.0 836 $2,500 $2.99 84d 1 0.42mi
1129 N Barston Ave Covina, CA 2.0 1.0 836 $2,800 $3.35 51d 1 0.42mi
1145 N Barston Ave Covina, CA 2.0 1.0 836 $2,150 $2.57 64d 1 0.45mi
220 S Valley Center Ave San Dimas, CA 2.0 1.0 1000 $2,495 $2.50 139d 1 0.51mi
21332 E Arrow Hwy Unit 211 Covina, CA 2.0 2.0 1100 $2,850 $2.59 67d 1 0.57mi
21332 E Arrow Hwy Unit 206 Covina, CA 1.0 1.0 742 $2,175 $2.93 87d 1 0.57mi
21332 E Arrow Hwy Unit 302 Covina, CA 2.0 2.0 1100 $2,850 $2.59 74d 1 0.57mi
21332 E Arrow Hwy Unit 308 Covina, CA 2.0 2.0 1100 $2,850 $2.59 36d 1 0.57mi
21042 E Arrow Hwy Covina, CA 1.0–2.0 1.0–2.0 803 $2,825 $3.52 0d 6 0.60mi
1746 S Sunflower Ave Unit 10 Glendora, CA 2.0 1.5 1100 $2,400 $2.18 139d 1 0.71mi
1746 S Sunflower Ave Unit 7 Glendora, CA 2.0 2.0 1100 $2,295 $2.09 41d 1 0.71mi
801 Claraday St Glendora, CA 1.0–2.0 1.0–2.0 900 $2,050 $2.28 12d 2 0.83mi
710 Claraday St Glendora, CA 2.0 1.0 850 $2,200 $2.59 24d 1 0.87mi
711 Claraday St Unit A Glendora, CA 2.0 1.0 750 $2,250 $3.00 139d 1 0.89mi
217 Danecroft Ave Unit A San Dimas, CA 2.0 1.0 735 $2,800 $3.81 139d 1 1.00mi
444 N Amelia Ave San Dimas, CA 2.0 1.0–2.0 715 $2,450 $3.42 0d 2 1.50mi

Property features AI

Finance

Other
Association contact/manager listed
Financial info
Land lease $1,500 per month
HOA & community
Part of an association with monthly feeAssociation fee approximately $1,300 monthlyAssociation amenities include pool, spa, clubhouse, trash service, pet rules (pets permitted), and call-for-rulesSenior communityManager approval required for occupancyCommunity features include sidewalksLocated in park: san dima royal

Exterior

Parking
Covered carportUncovered parking spaces (2)Two carport spaces (covered)Total of 4 parking spaces
Utilities
Public sewerWater: see remarks
Home design
Single-story propertyEstimated year builtMobile home dimensions approximately 10 ft x 47 ftMobile home remains on property
Construction
Estimated living areaOne total story
Exterior features
Front and rear porchesPorch at frontPorch at rearIn-ground community poolPartial fencingShed0–1 unit per acre lot setting

Interior

Kitchen
Remodeled kitchen with quartz countersKitchen open to family roomKitchen islandGas rangeRange/stove hoodDishwasherTankless water heater
Bedrooms
Main floor primary bedroomMain floor bedroom
Flooring
Laminate flooring
Bathrooms
Two full bathroomsRemodeled baths with quartz countersShower and shower-in-tub optionsMain floor full bath
Heating & cooling
Central heating (central furnace)Central cooling
Interior features
Recessed lightingOpen floor planFront entryOne-level homeTurnkey conditionCommunity spa
Laundry & utility
Dedicated laundry room

Listing history 50 events

  1. 2026-09-23
    days on market $129,000 Active 27 DOM
  2. 2026-09-22
    days on market $129,000 Active 26 DOM
  3. 2026-09-21
    days on market $129,000 Active 25 DOM
  4. 2026-09-20
    days on market $129,000 Active 24 DOM
  5. 2026-09-19
    days on market $129,000 Active 23 DOM
  6. 2026-09-18
    days on market $129,000 Active 22 DOM
  7. 2026-09-17
    days on market $129,000 Active 21 DOM
  8. 2026-09-16
    days on market $129,000 Active 20 DOM
  9. 2026-09-15
    days on market $129,000 Active 19 DOM
  10. 2026-09-14
    days on market $129,000 Active 18 DOM
  11. 2026-09-13
    days on market $129,000 Active 17 DOM
  12. 2026-09-12
    days on market $129,000 Active 16 DOM
  13. 2026-09-11
    days on market $129,000 Active 15 DOM
  14. 2026-09-05
    days on market $129,000 Active 9 DOM
  15. 2026-09-04
    pricedays on market $129,000 Active 8 DOM
  16. 2026-09-02
    days on market $139,000 Active 6 DOM
  17. 2026-08-31
    days on market $139,000 Active 4 DOM
  18. 2026-08-29
    days on market $139,000 Active 2 DOM
  19. 2026-08-28
    pricedays on marketlisting id $139,000 Active 1 DOM
  20. 2026-08-20
    days on market $152,000 Active 148 DOM
  21. 2026-08-19
    days on market $152,000 Active 147 DOM
  22. 2026-08-18
    days on market $152,000 Active 146 DOM
  23. 2026-08-17
    days on market $152,000 Active 145 DOM
  24. 2026-08-16
    days on market $152,000 Active 144 DOM
  25. 2026-08-15
    days on market $152,000 Active 143 DOM
  26. 2026-08-14
    days on market $152,000 Active 142 DOM
  27. 2026-08-13
    days on market $152,000 Active 141 DOM
  28. 2026-08-12
    days on market $152,000 Active 140 DOM
  29. 2026-08-11
    days on market $152,000 Active 139 DOM
  30. 2026-08-10
    days on market $152,000 Active 138 DOM
  31. 2026-08-09
    days on market $152,000 Active 137 DOM
  32. 2026-08-08
    days on market $152,000 Active 136 DOM
  33. 2026-08-06
    days on market $152,000 Active 134 DOM
  34. 2026-08-05
    days on market $152,000 Active 133 DOM
  35. 2026-08-04
    days on market $152,000 Active 132 DOM
  36. 2026-08-03
    pricedays on market $152,000 Active 131 DOM
  37. 2026-07-31
    days on market $159,000 Active 128 DOM
  38. 2026-07-30
    days on market $159,000 Active 127 DOM
  39. 2026-07-30
    days on market $159,000 Active 126 DOM
  40. 2026-07-28
    days on market $159,000 Active 125 DOM
  41. 2026-07-26
    days on market $159,000 Active 123 DOM
  42. 2026-07-24
    days on market $159,000 Active 121 DOM
  43. 2026-07-23
    days on market $159,000 Active 120 DOM
  44. 2026-07-22
    days on market $159,000 Active 119 DOM
  45. 2026-07-21
    days on market $159,000 Active 118 DOM
  46. 2026-07-20
    days on market $159,000 Active 117 DOM
  47. 2026-07-18
    days on market $159,000 Active 115 DOM
  48. 2026-07-18
    days on market $159,000 Active 114 DOM
  49. 2026-07-16
    days on market $159,000 Active 113 DOM
  50. 2026-07-15
    days on market $159,000 Active 112 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 1/10 Low
  • 🌡 Heat 7/10 Severe 7 d/yr ≥99°F today · 20 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$22,692
− Mortgage interest
−$7,226
− Property taxes
−$1,935
− Insurance
−$645
− Repairs & maintenance
−$1,815
− Management
−$1,815
− Depreciation
−$3,753
Taxable income
$5,502
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,321
After-tax cash flow
$5,908/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 · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $4,700–$14,100 screening

This move-in-ready mobile home in a desirable 55+ community features an open floor plan, new appliances, and updated bathrooms, making it an excellent investment opportunity.

Value-add opportunities

  • Both landscaping — enhances curb appeal and adds value
  • Both upgraded lighting — improves ambiance and energy efficiency

ⓘ 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.

D Composite school gradezoned avg 52/100

Zoned Schools

Elementary Glen Oak Elementary Middle Royal Oak Middle High Charter Oak High D+ CA #312/1,170 Nat'l #5,269/17,239

Schools (NCES district)

District
Charter Oak Unified
NCES district ID
0608190
Math proficiency
45% ▲ 2.00%
Reading proficiency
55% ▲ 4.00%
Median HH income
$72,756
Composite
46.95/100
National rank
#5160
State rank
#387 of 1400 in CA
B Composite livability gradescore 72/100

Livability — San Dimas

Score
72/100
State rank
#192
US rank
#6164

Category grades

Amenities B- 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
San Dimas, CA
County
Los Angeles County · 10,940,515 people
City population
33,598
Metro
Los Angeles-Long Beach-Anaheim, CA
Population (ZIP)
33,598
Household income
$105,338
Rent vs Own
27.7% rent · 72.3% own
Severe rent burden
7% of renters

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 0.69)
Race & ethnicity
White 38% Hispanic / Latino 37% Two or more races 19% Asian 18% Black 3% Native American 1%
Hispanic origin (detail)
Mexican 27% Puerto Rican 1%
Common ancestry
Romanian 2% Lithuanian 2% Slovak 2%
Foreign-born
22% · Canada, China, Vietnam
Languages at home
64% English-only · Spanish 18% Chinese 8% Tagalog/Filipino 2%

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

Price history

+54.4% since first listed
25 events — show timeline
  • 2026-08-27 Listed $139,000 CRMLS
  • 2026-08-20 Listing Removed CRMLS
  • 2026-08-03 Price Changed $152,000 CRMLS
  • 2026-06-25 Relisted CRMLS
  • 2026-06-15 Pending CRMLS
  • 2026-06-03 Listed CRMLS
  • 2026-05-26 Contingent CRMLS
  • 2026-05-09 Relisted CRMLS
  • 2026-04-14 Price Changed $159,000 CRMLS
  • 2026-04-01 Price Changed $165,000 CRMLS
  • 2026-03-20 Price Changed $172,000 CRMLS
  • 2026-03-09 Price Changed $182,000 CRMLS
  • 2026-02-20 Listing Removed CRMLS
  • 2026-02-20 Listed $189,000 CRMLS
  • 2026-02-09 Price Changed $189,000 CRMLS
  • 2026-01-09 Listed $199,000 CRMLS
  • 2025-12-24 Coming Soon CRMLS
  • 2025-02-14 Sold (MLS) $90,000 CRMLS
  • 2025-02-11 Pending CRMLS
  • 2025-01-31 Sold (MLS) $90,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
  • 2025-01-31 Sold (MLS) $90,000 CRMLS
  • 2025-01-28 Pending CRMLS
  • 2025-01-16 Contingent CRMLS
  • 2024-12-19 Listed $90,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
  • 2024-12-19 Listed $90,000 CRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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