1875 Vine · San Bernardino, CA 92411

$350,000

3 bd · 2.0 ba · 1,568 sqft · SingleFamily public records · 29 Days on market

Built 1954 9,500 sqft lot Est $517k · 32% under

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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 +18.9/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +6.0/10.0
• 1% rule +3.7/10.0
• Schools +3.1/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

3 Bedroom, 2 Bath Home with Bonus Room – Investor Opportunity! This 3-bedroom, 2-bath home with a bonus room sits on a spacious 9,500 sq. ft. lot in a well-established neighborhood. Conveniently located close to schools and shopping centers, this property offers great potential for investors looking to add to their portfolio. All cash sale – sold AS-IS. No repairs will be made by the seller. Don’t miss this opportunity to unlock the potential of this property! ONLY SHOWINGS ON SAT MAY 30,2026 From 12-2 pm

Key facts

• 9,500 sq ft lot
• 2 garage spots
• Built 1954

Property features AI

Finance

• Other: Property has one total unit
• HOA & community: Curbs and sidewalks in the neighborhood

Exterior

• Parking: Attached garage with space for 2 vehicles; Total parking for 2 vehicles
• Utilities: Public sewer; District/public water
• Home design: Single-story; No shared/common walls; No ADU on property
• Construction: Year built per public records
• Exterior features: House (single-family structure); No pool

Interior

• Bedrooms: Bedroom(s) located on the main level
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating (furnace); Central cooling
• Interior features: One-level home; All bedrooms on the main floor; Main level has one bedroom and one full bathroom
• Laundry & utility: Laundry area in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $362 ($4k/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 $304k (13.1% below list).
• Recommended offer: $304k (13.1% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 3.5% in San Bernardino — 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 59/100 on livability (#661 in CA) — a working-class tenant base; expect higher turnover. Strengths: commute A+, housing A; Watch: schools D, employment D, crime F.
• San Bernardino City Unified (urban): math 27% / reading 40% proficiency, ranked #959 of 1,400 in CA (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 40 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
• At $3,041/mo this rent would consume 67% of the median local household income ($54k/yr) (locally 956% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $37k of equity ($2k loan paydown + $35k appreciation (10.0% local appreciation)).
• San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $98k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$60k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($345k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $304,115 (13.1% below list)

Questions for the listing agent

1. Built in 1954 — 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 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?
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. 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: 0.87% ✗
• Cap rate: 7.53%
• Cash-on-cash: 4.43%
• DSCR: 1.20
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $517,440
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1804 W 7th	0.09mi	3/2.0	1,499 (-4%)	4mo	$495,000	$330	85
1464 N W 6th St Dr	0.63mi	4/2.0 (+1)	1,607 (+2%)	6mo	$510,000	$317	56
2279 W 7th St	0.68mi	3/2.0	1,644 (+5%)	6mo	$518,900	$316	55
1654 W 8th St	0.32mi	4/2.0 (+1)	1,420 (-9%)	14mo	$399,000	$281	53
2286 Kyla Ct	0.66mi	4/2.0 (+1)	1,653 (+5%)	7mo	$560,000	$339	49
804 Terrace	0.73mi	3/2.0	1,377 (-12%)	5mo	$580,000	$421	42
1077 Ramona Ave	0.62mi	4/2.0 (+1)	1,609 (+3%)	24mo	$560,000	$348	42
1384 W 8th St	0.73mi	3/2.0	1,647 (+5%)	21mo	$490,000	$298	40
1474 W 9th St	0.64mi	3/1.0	1,358 (-13%)	14mo	$431,000	$317	32
1364 Vine St	0.74mi	3/1.0	1,352 (-14%)	11mo	$454,000	$336	30

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.5%
• Equity multiple: 3.18×
• Total profit: $213,474
• Equity at exit: $315,308

10-year hold

• IRR: 24.0%
• Equity multiple: 7.23×
• Total profit: $610,156
• Equity at exit: $679,973

Cash invested: $98,000 (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 92411

• Home prices YoY: 3.9%
• Active inventory: 40
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $3,041 high
• Mortgage (P&I): −$1,835
• Tax from tax record: −$59 /mo · $714/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$639
• Net cashflow: $362

Break-even live

Break-even rent $2,583

Max offer price $350,000

Occupancy floor 83%

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: $87,500
• Closing costs: $10,500
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1432 W 9th St San Bernardino, CA	3.0	1.0	1225	$2,700	$2.20	44d	1	0.67mi
1855 W 13th St San Bernardino, CA	4.0	2.0	1480	$3,100	$2.09	24d	1	0.68mi
1121 W Base Line St San Bernardino, CA	2.0	1.0	1100	$2,000	$1.82	44d	1	1.23mi
2714 9th St Rialto, CA	4.0	2.0	1480	$2,995	$2.02	24d	1	1.23mi
2616 W 2nd St San Bernardino, CA	3.0	2.5	1560	$3,275	$2.10	2d	1	1.34mi
176 N Sutter Ave San Bernardino, CA	3.0	2.5	1560	$3,300	$2.12	2d	1	1.36mi
114 N Lassen Ave San Bernardino, CA	3.0	2.5	1561	$3,225	$2.07	10d	1	1.37mi
1356 W Trenton St Unit A San Bernardino, CA	3.0	1.0	1300	$2,500	$1.92	18d	1	1.38mi
144 N Sutter Ave San Bernardino, CA	4.0	3.0	1861	$3,500	$1.88	44d	1	1.38mi
1360 Poplar St San Bernardino, CA	3.0	2.0	1250	$2,495	$2.00	18d	1	1.43mi

Listing history 14 events

1. 2026-06-18
   days on market $350,000 Active 29 DOM
2. 2026-06-17
   days on market $350,000 Active 28 DOM
3. 2026-06-16
   days on market $350,000 Active 27 DOM
4. 2026-06-15
   days on market $350,000 Active 26 DOM
5. 2026-06-13
   days on market $350,000 Active 24 DOM
6. 2026-06-09
   days on market $350,000 Active 20 DOM
7. 2026-06-08
   days on market $350,000 Active 19 DOM
8. 2026-06-07
   days on market $350,000 Active 18 DOM
9. 2026-06-04
   days on market $350,000 Active 15 DOM
10. 2026-06-03
    days on market $350,000 Active 14 DOM
11. 2026-06-02
    days on market $350,000 Active 13 DOM
12. 2026-06-01
    days on market $350,000 Active 12 DOM
13. 2026-05-31
    days on market $350,000 Active 11 DOM
14. 2026-05-20
    listed $350,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $714 · $59/mo
• Projected year-2 tax: $2,660 · $222/mo
• Expected delta: +$1,946/yr (+$162/mo · 272.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥102°F today · 21 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 25 unhealthy d/yr today · 31 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,494
• − Mortgage interest: −$19,605
• − Property taxes: −$714
• − Insurance: −$1,750
• − Repairs & maintenance: −$2,920
• − Management: −$2,920
• − Depreciation: −$10,182
• Taxable loss: −$1,596
• Est. tax savings @ 24.0%: +$383
• After-tax cash flow: $4,724/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: San Bernardino City Unified
• NCES district ID: 0634170
• Math proficiency: 27% ▲ 1.00%
• Reading proficiency: 40% ▬ 0.00%
• Median HH income: $39,758
• Composite: 30.8/100
• National rank: #11385
• State rank: #959 of 1400 in CA

Livability — San Bernardino

• Score: 59/100
• State rank: #661
• US rank: #20479

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Bernardino, CA
• County: San Bernardino County · 2,030,291 people
• City population: 255,614
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 27,249
• Household income: $54,324
• Rent vs Own: 44.3% rent · 55.7% own
• Severe rent burden: 956.0

Population outlook (San Bernardino County) Hauer SSP2

• Today (2025): 2,300,329 people
• By 2030: 2,378,907 · +3.4%
• By 2040: 2,523,137 · +9.7%
• By 2050: 2,642,388 · +14.9%
• By 2075: 2,880,769 · +25.2%
• By 2100: 2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (83%)
• Race & ethnicity: Hispanic / Latino 83% Two or more races 15% Black 9% White 3% Asian 2%
• Hispanic origin (detail): Mexican 77%
• Foreign-born: 27% · Canada, Vietnam
• Languages at home: 34% English-only · Spanish 64% Other Asian/Pacific 1% Tagalog/Filipino 1%

Political lean MEDSL · San Bernardino

• 2024 margin: Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
• 2008→2024 swing: -8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
• All cycles: 2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 23.96%
• Current HPI: 633.7636
• Rent YoY: —
• Metro: Riverside-San Bernardino-Ontario, 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

1 event — show timeline

• 2026-05-20 Listed $350,000 CRMLS

Property tax history

+3.6%/yr

Latest (2025): $714 · -44.3% YoY. Source: county tax records.