9049 El Cajon Way · Rosemont, CA 95826

$210,000

2 bd · 1.0 ba · 3,200 sqft · Condo · 208 Days on market

Built 2004 Fair condition $66/sqft · 79% below area

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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 +16.2/30.0
• ARV discount +7.5/15.0
• DSCR +5.0/10.0
• 1% rule +4.4/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.4/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Whether you're a first-time buyer or simply looking for something quaint and low-maintenance, this charming 2-bedroom, 1-bath unit is the perfect find. A beautiful real-brick accent wall adds a stylish, loft-like feel, complimented by updated carpet and newer windows. The home is filled with wonderful natural light throughout. Enjoy the convenience of garage parking in a shared two-car garage, complete with ample storage space. The complex is surrounded by lush green space and mature trees, offering a peaceful, park-like setting. All of this in a fantastic location close to restaurants, shopping, and easy freeway access.

Key facts

• Updated carpet
• Natural light
• Newer windows

Tags

• REAL-BRICK ACCENT WALL
• UPDATED CARPET
• NEWER WINDOWS
• NATURAL LIGHT
• GARAGE PARKING
• SHARED TWO-CAR GARAGE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $210k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $112 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (5.8% below list).
• Recommended offer: $185k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.9% vs local median 3.6% in Rosemont — 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 67/100 on livability (#317 in CA) — a middle-class / working-renter tenant base. Strengths: schools A+, housing A+, employment A; Watch: crime F, amenities F, commute F.
• Sacramento City Unified (urban): math 32% / reading 43% proficiency, ranked #804 of 1,400 in CA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.3%/yr); 123 active listings in the ZIP; solid renter incomes; 6,825 units permitted in Sacramento County in 2024 (1,752 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Sacramento County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 208 days — a 12% lower offer ($185k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 208 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.94% ✗
• Cap rate: 6.93%
• Cash-on-cash: 2.28%
• DSCR: 1.10
• GRM: 8.8

CMA / ARV

• ARV (median comp): $1,017,102
• List price: $210,000
• Delta: -79.35%
• Verdict: UNDERPRICED
• Comps: 20 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -16.1%
• Equity multiple: 0.44×
• Total profit: $-32,682
• Equity at exit: $31,312

10-year hold

• IRR: -14.2%
• Equity multiple: 0.29×
• Total profit: $-41,583
• Equity at exit: $18,157

Cash invested: $58,800 (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 95826

• Rents YoY: -0.3%
• Active inventory: 123
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,978 medium
• Mortgage (P&I): −$1,101
• Tax est. 1.5%: −$262 /mo · $3,150/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $112

Break-even live

Break-even rent $1,837

Max offer price $210,000

Occupancy floor 89%

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

HOA detail condo

• Monthly dues: $0 · $0/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 19 events

1. 2026-06-18
   days on market $210,000 Active 208 DOM
2. 2026-06-17
   days on market $210,000 Active 207 DOM
3. 2026-06-16
   days on market $210,000 Active 206 DOM
4. 2026-06-15
   days on market $210,000 Active 205 DOM
5. 2026-06-13
   days on market $210,000 Active 203 DOM
6. 2026-06-13
   days on market $210,000 Active 202 DOM
7. 2026-06-09
   days on market $210,000 Active 199 DOM
8. 2026-06-08
   days on market $210,000 Active 198 DOM
9. 2026-06-07
   days on market $210,000 Active 197 DOM
10. 2026-06-05
    days on market $210,000 Active 194 DOM
11. 2026-06-03
    days on market $210,000 Active 193 DOM
12. 2026-06-02
    days on market $210,000 Active 192 DOM
13. 2026-06-01
    days on market $210,000 Active 191 DOM
14. 2026-05-31
    days on market $210,000 Active 190 DOM
15. 2025-11-22
    listed $210,000 Active 628-char remark

    Show marketing remark (628 chars)

    Whether you're a first-time buyer or simply looking for something quaint and low-maintenance, this charming 2-bedroom, 1-bath unit is the perfect find. A beautiful real-brick accent wall adds a stylish, loft-like feel, complimented by updated carpet and newer windows. The home is filled with wonderful natural light throughout. Enjoy the convenience of garage parking in a shared two-car garage, complete with ample storage space. The complex is surrounded by lush green space and mature trees, offering a peaceful, park-like setting. All of this in a fantastic location close to restaurants, shopping, and easy freeway access.

16. 2024-11-01
    historical $1,500
17. 2024-10-17
    price $1,500
18. 2024-10-03
    price $1,600
19. 2024-09-25
    listed $1,800

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 33 unhealthy d/yr today · 38 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,741
• − Mortgage interest: −$11,763
• − Property taxes: −$3,150
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,899
• − Management: −$1,899
• − Depreciation: −$6,109
• Taxable loss: −$2,130
• Est. tax savings @ 24.0%: +$511
• After-tax cash flow: $1,852/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 · 2 photos

Fair 45/100 Moderate rehab

This 2-bedroom, 1-bath condo requires moderate repairs to the exterior siding and landscaping to improve its curb appeal and value.

Repairs flagged

• Moderate Exterior siding — Weathered appearance
• Minor Landscaping — Overgrown bushes

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value
• Both Trim bushes — Improves landscaping and curb appeal

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exterior siding · Weathered appearance	Moderate	$3,000–15,000
Landscaping · Overgrown bushes	Minor	$500–3,000
Total estimated repair cost · 2 items		$3,500–18,000

Value-add ROI direction

• Both Paint exterior siding — Enhances curb appeal and value ↑
• Both Trim bushes — Improves landscaping and curb appeal ↑

ⓘ 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: Sacramento City Unified
• NCES district ID: 0633840
• Math proficiency: 32% ▬ 0.00%
• Reading proficiency: 43% ▲ 3.00%
• Median HH income: $49,280
• Composite: 34.86/100
• National rank: #10000
• State rank: #804 of 1400 in CA

Livability — Rosemont

• Score: 67/100
• State rank: #317
• US rank: #10615

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rosemont, CA
• County: Sacramento County · 1,539,646 people
• City population: 40,165
• Metro: Sacramento-Roseville-Folsom, CA
• Population (ZIP): 40,165
• Household income: $82,127
• Rent vs Own: 44.5% rent · 55.5% own
• Severe rent burden: 2433.0

Population outlook (Sacramento County) Hauer SSP2

• Today (2025): 1,660,763 people
• By 2030: 1,732,990 · +4.3%
• By 2040: 1,855,755 · +11.7%
• By 2050: 1,941,335 · +16.9%
• By 2075: 2,046,162 · +23.2%
• By 2100: 1,961,444 · +18.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 47% Hispanic / Latino 23% Two or more races 14% Black 11% Asian 11%
• Hispanic origin (detail): Mexican 18%
• Common ancestry: Italian 3% Subsaharan African 2% Russian 2%
• Foreign-born: 15% · Canada, South Korea, China
• Languages at home: 75% English-only · Spanish 11% Other Indo-European 4% Russian/Polish/Slavic 2%

Political lean MEDSL · Sacramento

• 2024 margin: D (+19.7) · D 58.1% · R 38.4% · Other 3.5%
• 2008→2024 swing: +0.7pp no change · 2008: 19.0pp · 2024: 19.7pp
• All cycles: 2024: D+19.7 2020: D+25.3 2016: D+23.7 2012: D+16.3 2008: D+19.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -408.80%
• Current HPI: 325.179
• Rent YoY: ▼ -0.33%
• Metro: Sacramento-Roseville-Folsom, 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

+11566.7% since first listed

5 events — show timeline

• 2025-11-22 Listed $210,000 ForSaleByOwner.com
• 2024-11-01 Rental Removed $1,500 APPFOLIO
• 2024-10-17 Price Changed $1,500 APPFOLIO
• 2024-10-03 Price Changed $1,600 APPFOLIO
• 2024-09-25 Listed for Rent $1,800 APPFOLIO