San Bernardino, CA — Rental Investment Analysis

🔴WEAK— appreciation play only

Cap Rate

3.2%

Below average

Monthly Cash Flow

-$1,290

After all expenses

Price-to-Rent

16.6

Overpriced for rent

DSCR

0.51

Fails

📊 Key Metrics

Median Home Price: $456,607
Average Rent (3BR): $2,240/mo
Price-to-Rent Ratio: 16.6(high)
1% Rule: 0.50%(fails — need 1%+)
Cash-on-Cash Return: -13.7%
Vacancy Rate: 8.0%

📈 Market Strength

Unemployment Rate: 5.3%(+1% vs national)
Rent Growth (YoY): +2.9%(national avg)
Population Growth: -1.2% YoY

Assumptions Used

20% down, 7.000000000000001% rate, 30yr, 8% vacancy, 10% maintenance

Customize these numbers →

Property Tax Rate

0.71%

of assessed value (CA avg)

Median Income

$84,097

household (CA avg)

Rent-to-Income

32%

Moderate

Section 8 Max Rent

$2,240/mo

3BR voucher payment

🏛️ CA Investor Climate

Landlord Friendly

3/10

State Income Tax

Has state tax

Property Tax

0.71% effective

Population Trend

-1.2% (3yr)

🏘️ Best Zip Codes in San Bernardino for Investors

92401

Cap Rate: 3.9%Cash Flow: -$774/mo$375,182

92411

Cap Rate: 3.5%Cash Flow: -$1,016/mo$428,129

92410

Cap Rate: 3.3%Cash Flow: -$1,147/mo$442,794

All Zip Codes in San Bernardino

Zip	Cap Rate	Cash Flow	Home Price	Rent (3BR)	DSCR
92401	3.9%	-$774	$375,182	$2,140/mo	0.61
92411	3.5%	-$1,016	$428,129	$2,280/mo	0.55
92410	3.3%	-$1,147	$442,794	$2,240/mo	0.51
92407	3.2%	-$1,425	$543,580	$2,730/mo	0.51
92405	3.0%	-$1,290	$456,607	$2,180/mo	0.47
92404	2.9%	-$1,412	$484,580	$2,260/mo	0.45
92408	2.7%	-$1,478	$479,741	$2,140/mo	0.42