OFF_MARKETRisky Deal157 days on market

6270 Kinlock Ave

6270 Kinlock Ave, Alta Loma, CA 91737, Alta Loma, CA 91737
$819,000
Zestimate®:$822,900$3,900 Under Market

Listing Price

Property image 1
6270 Kinlock Ave, Alta Loma, CA 91737
Loc: Alta Loma, CA
Days Listed
157
Tax Assessed
$246k
Zestimate®
$823k
0% Under Valued
Lot Size
7,210 sqft
Rent Estimate
$3,690/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

6

Hermosa Elementary School

K-6
0.7 mi away
7

Vineyard Junior High School

6-8
0.2 mi away
9

Los Osos High School

9-12
1.5 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Risky
Confidence Score: 3/10
Exercise caution due to potential market volatility.
Cap Rate
4.36%
Total ROI
11.5%
Cash Flow
$-1,166/mo
DSCR
0.72
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Data provided by Haven AI. Disclaimer

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Haven AI

At $819,000, 6270 Kinlock Ave presents a significant cash flow challenge. With a negative monthly cash flow of $1,166.23, this property functions as a heavy liability rather than an income-generating asset. Relying solely on a 4% appreciation rate to offset such substantial carrying costs is speculative and exposes the investor to high liquidity risk, particularly in a high-interest-rate environment. While Alta Loma is a stable market, the current yield of approximately 4.36% is insufficient to cover debt service and operational expenses. Without a significant down payment increase or a shift in rental income, this acquisition fails to meet conservative underwriting standards for sustainable long-term wealth preservation.

Strengths
  • Located in the stable and desirable Alta Loma residential market
  • Family-oriented property type with 4 bedrooms
  • Consistent regional historical appreciation trends
Considerations
  • Substantial negative monthly cash flow severely impacts liquidity
  • Low rental yield relative to property price
  • Excessive reliance on capital appreciation
  • High cost of carry in the current interest rate environment
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-06-30Listed for sale$819,000$468
2026-06-09Contingent$819,000$468
2026-05-21Price change$819,000$468
2026-05-14Price change$829,000$474
2026-04-27Price change$839,000$479
2026-03-08Listed for sale$849,000$485
2026-02-23Contingent$849,000$485
2026-01-30Listed for sale$849,000$485
2025-11-19Sold$630,000$360
2000-06-02Sold$160,000$91

Tax History

YearProperty TaxTax Assessment
2025$2,760.13$245,921
2024$2,691.35$241,099
2023$2,631.16$236,371
2022$2,624.47$231,736
2021$2,623.39$227,192
2020$2,516.4$224,863
2019$2,545.03$220,454
2018$2,488.41$216,131
2017$2,375.9$211,893
2016$2,375.9$207,738
2015$2,312.06$204,618
2014$2,297.51$200,610
2013$0$199,703
2012$0$195,787
2011$0$191,948
2010$0$190,513
2009$0$190,965
2008$0$187,221
2007$0$183,550
2006$0$179,951
2005$0$176,423
2004$0$172,964
2003$0$169,793
2002$0$166,464
2001$0$163,200
2000$0$132,900
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
2
Sq Ft
1,750
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $819,000Rent Basis: Observed Comp Model ($3,690/mo)State Tax Benchmark: 0.75% (CA)Hazard Reserve: $410/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
3.34%

NOI: $27,331/yr

Cash-on-Cash Yield
-12.6%

On $188,370 invested

DSCR Ratio
0.54x

Negative debt coverage

5-Yr Leveraged ROI
+31.4%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.75% of basis)-$154/mo
Homeowner / Hazard Insurance-$410/mo
Vacancy Reserve (5% of rent)-$185/mo
Repairs & Maintenance (10% of rent)-$369/mo
Property Management (8% of rent)-$295/mo
Total Pure Operating Expenses-$1,412/mo
Net Investor Cash Flow
Gross Scheduled Rent+$3,690/mo
Less: Operating Expenses-$1,412/mo
Net Operating Income (NOI)+$2,278/mo
Less: Debt Service (30yr @ 6.75%)-$4,250/mo
Net Cash Flow
$-1,972/mo
$-23,664/year
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