79368 Alhambra Ct · Indio, CA 92203

$579,695

4 bd · 2.0 ba · 2,084 sqft · SingleFamily · 20 Days on market

Built 2026 Excellent condition $278/sqft · at area comps Est $588k · at est.

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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).

• Cash flow +12.3/30.0
• ARV discount +8.2/15.0
• Rent growth +5.0/5.0
• Condition / age +4.8/5.0
• Schools +4.6/10.0
• DSCR +3.6/10.0
• 1% rule +3.5/10.0
• Livability +2.7/5.0
• Appreciation +0.0/10.0

Listing remarks

This new single-story home boasts a low-maintenance layout perfect for modern lifestyles. Three bedrooms share a secluded space off the entry, just steps from a full bathroom, while an open-concept layout blends the kitchen, living and dining areas near an inviting patio, ready for entertaining and leisure. The owner's suite provides a serene retreat at the back of the home with a full-sized bathroom and roomy walk-in closet.

Key facts

• 2 garage spots
• Built 2026
• Listed 20 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $580k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-108 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $564k (2.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $493k (14.9% below list).
• Recommended offer: $493k (14.9% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 4.2% in Indio — 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 53/100 on livability (#927 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing B+; Watch: employment D, crime F, amenities F.
• Desert Sands Unified (suburban): math 31% / reading 56% proficiency, ranked #199 of 517 in CA (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Ronald Reagan Elementary (834 students, 53% FRL); Desert Ridge Academy (math 24% / reading 75%, grade C, #98 of 498 statewide, top 21%, 1,030 students, 81% FRL); Shadow Hills High (math 30% / reading 53%, grade F, #498 of 1,170 statewide, top 43%, 1,751 students, 77% FRL).
• Market conditions: Rents rising fast (+11.6%/yr); 785 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 9,195 units permitted in Riverside County in 2024 (1,512 in 5+ unit buildings).
• At $4,934/mo this rent would consume 61% of the median local household income ($97k/yr) (locally 20% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $17k of value loss. Plan a longer hold.
• Riverside County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($571k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 5→12/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $493,435 (14.9% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. Crime grade is F 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?
5. 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?
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: 0.85% ✗
• Cap rate: 6.07%
• Cash-on-cash: -0.80%
• DSCR: 0.96
• GRM: 9.8

CMA / ARV

• ARV (median comp): $588,381
• List price: $579,695
• Delta: -1.48%
• 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
81664 Camino Los Milagros	0.11mi	3/3.0 (-1)	2,112 (+1%)	1mo	$575,000	$272	83
40647 Galileo St	0.53mi	4/2.0	2,099 (+1%)	6mo	$605,000	$288	69
40750 Calabria Ct	0.60mi	4/2.0	2,099 (+1%)	2mo	$657,500	$313	69
81861 Camino Los Milagros	0.32mi	3/3.0 (-1)	2,112 (+1%)	7mo	$585,000	$277	68
82169 Verdi Rd	0.59mi	4/2.0	2,099 (+1%)	7mo	$615,000	$293	65
40161 Padova Dr	0.64mi	4/2.0	2,099 (+1%)	7mo	$600,000	$286	63
81947 Villa Giardino Dr	0.40mi	3/2.5 (-1)	2,177 (+4%)	6mo	$530,000	$243	62
41126 Maxwell Ct	0.60mi	4/2.0	2,181 (+5%)	8mo	$500,000	$229	58
82058 Dunn Dr	0.49mi	3/2.0 (-1)	1,886 (-10%)	1mo	$539,000	$286	55
81226 Avenida Colonias	0.66mi	3/3.0 (-1)	2,193 (+5%)	5mo	$870,000	$397	47
41212 Maiden Ct	0.66mi	3/2.0 (-1)	1,886 (-10%)	8mo	$515,000	$273	42
81609 Avenida Estuco	0.69mi	3/3.0 (-1)	2,331 (+12%)	1mo	$700,000	$300	38

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.54×
• Total profit: $-74,663
• Equity at exit: $86,434

10-year hold

• IRR: 3.2%
• Equity multiple: 1.28×
• Total profit: $45,116
• Equity at exit: $50,121

Cash invested: $162,315 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 63 active · 17 under contract
• Months of supply: 19.9 mo (5%/mo absorbed)
• Median asking: $555,290 ($284/sqft)
• Median days on market: 30 d
• This list price: 71% of active listings are priced below it
• ARV vs active asking: -0.6% vs current asking $/sqft

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

ZIP-level market 92203

• Home prices YoY: -25.0%
• Rents YoY: 11.6%
• Active inventory: 785
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $4,934 high
• Mortgage (P&I): −$3,040
• Tax est. 1.5%: −$725 /mo · $8,695/yr
• Insurance: −$242
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,036
• Net cashflow: $-108

Break-even live

Break-even rent $5,071

Max offer price $564,066

Occupancy floor 97%

Sensitivity live

Price	-10% $293	-5% $92	+0% $-108	+5% $-308	+10% $-509
Rent	-10% $-498	-5% $-303	+0% $-108	+5% $87	+10% $282
Rate	-1.0pp $184	-0.5pp $39	base $-108	+0.5pp $-258	+1.0pp $-411

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: $144,924
• Closing costs: $17,391
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
79-131 Sangria Ct Indio, CA	3.0	2.0	2018	$3,500	$1.73	184d	1	0.03mi
81520 Camino Los Milagros Indio, CA	3.0	3.0	2010	$5,700	$2.84	115d	1	0.03mi
81562 Camino Los Milagros Indio, CA	3.0	3.0	2112	$6,000	$2.84	10d	1	0.04mi
81722 Camino Los Milagros Indio, CA	3.0	3.0	2112	$4,500	$2.13	130d	1	0.18mi
41074 Corte Nella Vita Indio, CA	5.0	3.5	2545	$5,900	$2.32	165d	1	0.26mi
41074 Corte Nella Vita Indio, CA	4.0	2.5	2545	$4,700	$1.85	35d	1	0.26mi
81592 Camino El Triunfo Indio, CA	3.0	3.5	2966	$7,000	$2.36	184d	1	0.27mi
81876 Camino Los Milagros Indio, CA	3.0	3.0	2014	$7,500	$3.72	184d	1	0.34mi
81876 Camino Los Milagros Indio, CA	3.0	3.0	2014	$7,500	$3.72	10d	1	0.34mi
81543 Avenida Celaya Indio, CA	3.0	3.0	1700	$3,500	$2.06	115d	1	0.42mi
81543 Avenida Celaya Indio, CA	3.0	3.0	1669	$5,200	$3.12	10d	1	0.42mi
81126 Avenida Lorena Indio, CA	3.0	3.0	2112	$6,000	$2.84	6d	1	0.45mi
81157 Avenida Sombra Indio, CA	3.0	3.5	2868	$6,200	$2.16	10d	1	0.47mi
40856 Calle Desierto Indio, CA	3.0	3.0	2112	$6,000	$2.84	7d	1	0.51mi
40082 Catania Ct Indio, CA	4.0	2.0	2099	$3,390	$1.62	10d	1	0.65mi
41424 Trumble Ct Indio, CA	3.0	2.0	1886	$3,950	$2.09	139d	1	0.67mi
82222 Padova Dr Indio, CA	3.0	2.0	2097	$2,900	$1.38	34d	1	0.71mi
80818 Avenida San Ignacio Indio, CA	3.0	2.5	2376	$5,500	$2.31	184d	1	0.80mi
80818 Avenida San Ignacio Indio, CA	3.0	3.0	2376	$4,200	$1.77	26d	1	0.80mi
80818 Avenida San Ignacio Indio, CA	3.0	3.0	2376	$9,500	$4.00	2d	1	0.80mi
81672 Avenida Viesca Indio, CA	3.0	2.0	1756	$4,700	$2.68	10d	1	0.80mi
81672 Avenida Viesca Indio, CA	3.0	2.0	1756	$4,700	$2.68	22d	1	0.80mi
81672 Avenida Viesca Indio, CA	3.0	2.0	1756	$4,500	$2.56	184d	1	0.80mi
82350 Puccini Dr Indio, CA	3.0	2.5	2867	$3,750	$1.31	130d	1	0.81mi
82350 Puccini Dr Indio, CA	3.0	2.5	2867	$3,750	$1.31	1d	1	0.81mi
80741 Avenida Santa Carmen Indio, CA	3.0	2.0	2147	$5,000	$2.33	2d	1	0.81mi
40834 Adriatico Ct Indio, CA	3.0	2.5	2867	$3,999	$1.39	10d	1	0.82mi
40834 Adriatico Ct Indio, CA	3.0	2.5	2867	$3,499	$1.22	7d	1	0.82mi
81074 Avenida Neblina Indio, CA	3.0	3.5	2966	$6,500	$2.19	10d	1	0.83mi
81465 Avenida Montura Indio, CA	3.0	3.0	2433	$6,000	$2.47	10d	1	0.87mi
82423 Sardinia Rd Indio, CA	4.0	3.0	2500	$3,300	$1.32	184d	1	0.89mi
82423 Sardinia Rd Indio, CA	4.0	3.0	2256	$3,300	$1.46	10d	1	0.89mi
80635 Camino Santa Elise Indio, CA	3.0	2.5	2376	$5,450	$2.29	10d	1	0.92mi
82442 Sardinia Rd Indio, CA	4.0	2.5	2662	$5,000	$1.88	115d	1	0.92mi
41309 Hanover St Indio, CA	3.0	2.0	2080	$4,250	$2.04	29d	1	0.93mi
80646 Avenida San Ignacio Indio, CA	3.0	2.5	2376	$6,600	$2.78	3d	1	0.95mi
80632 Avenida San Ignacio Indio, CA	3.0	2.0	2569	$6,500	$2.53	2d	1	0.96mi
82511 Tremetina Ct Indio, CA	4.0	3.0	2798	$4,200	$1.50	31d	1	0.98mi
80598 Camino Santa Juliana Indio, CA	3.0	2.0	1920	$2,888	$1.50	165d	1	0.98mi
80633 Camino San Gregorio Indio, CA	3.0	2.5	2376	$5,600	$2.36	2d	1	0.98mi

Listing history 1 events

1. 2026-05-06
   listed $579,695 Active 429-char remark

ⓘ 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 D · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 5 d/yr ≥114°F today · 12 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $59,212
• − Mortgage interest: −$32,472
• − Property taxes: −$8,695
• − Insurance: −$2,898
• − Repairs & maintenance: −$4,737
• − Management: −$4,737
• − Depreciation: −$16,864
• Taxable loss: −$11,191
• Est. tax savings @ 24.0%: +$2,686
• After-tax cash flow: $1,390/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 · 23 photos

Excellent 95/100 None rehab

This move-in-ready single-story home features a modern design with excellent condition and minimal maintenance needs. Potential buyers and renters will appreciate the updated kitchen and curb appeal.

Value-add opportunities

• Resale Paint the exterior walls — Enhances curb appeal ↑
• Resale Replace the kitchen faucet — Modernizes the kitchen ↑
• Both Install a smart thermostat — Improves energy efficiency and comfort ↑

F Composite school gradezoned avg 46/100

Zoned Schools

Elementary Ronald Reagan Elementary Middle Desert Ridge Academy C CA #98/498 Nat'l #3,558/14,009 High Shadow Hills High F CA #498/1,170 Nat'l #7,907/17,239

Schools (NCES district)

• District: Desert Sands Unified
• NCES district ID: 0611110
• Math proficiency: 31% ▼ -4.00%
• Reading proficiency: 56% ▲ 7.00%
• Median HH income: $54,957
• Composite: 37.77/100
• National rank: #4346
• State rank: #199 of 517 in CA

D Composite livability gradescore 53/100

Livability — Indio

• Score: 53/100
• State rank: #927
• US rank: #24244

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Indio, CA
• County: Riverside County · 2,664,475 people
• City population: 100,560
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 34,735
• Household income: $97,311
• Rent vs Own: 20.2% rent · 79.8% own
• Severe rent burden: 20% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: Hispanic / Latino 51% White 41% Two or more races 29% Asian 3% Black 2%
• Hispanic origin (detail): Mexican 48%
• Languages at home: 64% English-only · Spanish 33% Tagalog/Filipino 1% Other Indo-European 1%

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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: —

Market trends

• HPI YoY: ▼ -98.51%
• Current HPI: 295.6456
• Rent YoY: ▲ 11.64%
• Metro: Riverside-San Bernardino-Ontario, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

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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