4160 Oro Ln #15 · Diamond Springs, CA 95623

$59,000

1 bd · 1.0 ba · 620 sqft · Manufactured · 94 Days on market

Built 1960

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Livability +2.4/5.0
• Appreciation +0.4/10.0

Listing remarks

Welcome to this adorable and affordable single-wide home located in a quiet, all-ages park just minutes from Placerville, schools, parks, and local shopping. Whether you're looking to downsize, start fresh, or invest wisely, this home offers unbeatable value and convenience in the heart of El Dorado County. ✔️ Recently Remodeled - Super cute interior with updated finishes and a clean, modern look ✔️ Large Tuff Shed - Perfect for storage, hobbies, or even a small workshop ✔️ Flexible Floorplan - Currently a 1 bed, 1 bath but can easily be converted into a 2-bedroom layout ✔️ Prime Location - Quick access to Hwy 50, downtown Placerville, and local amenities Enjoy a peaceful and manageab

Key facts

• Recently remodeled
• Large tuff shed
• Flexible floorplan

Tags

• RECENTLY REMODELED
• LARGE TUFF SHED
• FLEXIBLE FLOORPLAN
• PRIME LOCATION

Property features AI

Finance

• Other: Property located at 4160 Oro Ln #15, El Dorado, CA 95623; Directions and local location details available
• Financial info: Land lease: No (listed land lease amount present but land lease is marked No)
• HOA & community: No association

Exterior

• Parking: No parking details provided
• Utilities: Master electric meter; Master gas meter; Public sewer; Water from public/water district; Electric service: Other; See remarks for additional utility details
• Home design: Manufactured home in a park; Single wide; Made by Majestic; Built in 1960
• Construction: Aluminum skirting
• Exterior features: Tar/gravel roof; No notable lot features listed

Interior

• Kitchen: Free standing gas range; Laminate countertops
• Bedrooms: 1 bedroom (possible 2)
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom with tub/shower over
• Heating & cooling: Wall furnace heating; Wall-mounted cooling unit(s)
• Interior features: Great room living area; Laminate counters in kitchen; Pets allowed (may have number and size limits)
• Laundry & utility: No laundry hookups

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $59k.

Deal economics

• At list price, monthly cash flow is $457 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $59k).
• Recommended offer: $54k (9.0% below list) — sets the bar for market timing.
• Cap rate 15.6% vs local median 2.3% in Diamond Springs — 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 47/100 on livability (#1,239 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing B+; Watch: schools D, crime D-, amenities F.
• Mother Lode Union Elementary (rural): math 36% / reading 41% proficiency, ranked #726 of 1,400 in CA (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 44 active listings in the ZIP; 437 units permitted in El Dorado County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $408 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• El Dorado County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($54k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $53,690 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Crime grade is D 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?
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: 1.86% ✓
• Cap rate: 15.59%
• Cash-on-cash: 33.21%
• DSCR: 2.48
• GRM: 4.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 28.4%
• Equity multiple: 2.18×
• Total profit: $19,575
• Equity at exit: $8,797

10-year hold

• IRR: 35.9%
• Equity multiple: 4.31×
• Total profit: $54,608
• Equity at exit: $5,101

Cash invested: $16,520 (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 95623

• Home prices YoY: -3.1%
• Active inventory: 44
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,095 medium
• Mortgage (P&I): −$309
• Tax est. 1.5%: −$74 /mo · $885/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$230
• Net cashflow: $457

Break-even live

Break-even rent $516

Max offer price $59,000

Occupancy floor 53%

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: $14,750
• Closing costs: $1,770
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-06-18
   days on market $59,000 Active 94 DOM
2. 2026-06-17
   days on market $59,000 Active 93 DOM
3. 2026-06-16
   days on market $59,000 Active 92 DOM
4. 2026-06-15
   days on market $59,000 Active 91 DOM
5. 2026-06-13
   days on market $59,000 Active 89 DOM
6. 2026-06-13
   days on market $59,000 Active 88 DOM
7. 2026-06-09
   days on market $59,000 Active 85 DOM
8. 2026-06-08
   days on market $59,000 Active 84 DOM
9. 2026-06-07
   days on market $59,000 Active 83 DOM
10. 2026-06-03
    days on market $59,000 Active 79 DOM
11. 2026-06-02
    days on market $59,000 Active 78 DOM
12. 2026-06-01
    days on market $59,000 Active 77 DOM
13. 2026-05-31
    days on market $59,000 Active 76 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 9/10 Extreme
• 🌡 Heat 6/10 Major 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 31 unhealthy d/yr today · 38 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,138
• − Mortgage interest: −$3,305
• − Property taxes: −$885
• − Insurance: −$295
• − Repairs & maintenance: −$1,051
• − Management: −$1,051
• − Depreciation: −$1,716
• Taxable income: $4,835
• Est. tax owed @ 24.0%: −$1,160
• After-tax cash flow: $4,326/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: Mother Lode Union Elementary
• NCES district ID: 0625980
• Math proficiency: 36% ▬ 0.00%
• Reading proficiency: 41% ▼ -4.00%
• Median HH income: $59,429
• Composite: 36.63/100
• National rank: #9251
• State rank: #726 of 1400 in CA

Livability — Diamond Springs

• Score: 47/100
• State rank: #1239
• US rank: #26264

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Diamond Springs, CA
• City population: 6,362
• Population (ZIP): 4,725

Population outlook (El Dorado County) Hauer SSP2

• Today (2025): 191,666 people
• By 2030: 193,662 · +1.0%
• By 2040: 192,583 · +0.5%
• By 2050: 185,904 · -3.0%
• By 2075: 169,543 · -11.5%
• By 2100: 139,623 · -27.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Hispanic / Latino 14% Two or more races 10%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Russian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 4% · Canada, China
• Languages at home: 93% English-only · Spanish 6% German/W. Germanic 1% Chinese 1%

Political lean MEDSL · El Dorado

• 2024 margin: R (+12.0) · D 42.6% · R 54.6% · Other 2.8%
• 2008→2024 swing: -1.5pp toward R · 2008: -10.5pp · 2024: -12.0pp
• All cycles: 2024: R+12.0 2020: R+8.8 2016: R+13.9 2012: R+18.2 2008: R+10.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -9.23%
• Current HPI: 292.7181
• Rent YoY: —
• Metro: —
• 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