product

markets

method

436 N Mercey Springs Rd, Los Banos, CA 93635 — $99,000 · 3bd · ~1.5% rule | OnePercent

436 N Mercey Springs Rd, Los Banos, CA 93635

$99,000

Home·Los Banos 93635·436 N Mercey Springs Rd, Los Banos, CA 93635

Confirmed 2 days ago · seller motivation 10

436 N Mercey Springs Rd, Los Banos, CA 93635

3 bd · 2 ba · 892 sqft · built 2019 · Los Banos · MOBILE·source listing ↗

$99,000

seller intel

Motivation score

10/100

OnePercent model (vv1)

$1,514/mo

point estimate — add comps for a band

HUD Fair Market Rent · 93635 · 3BR$2,420/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Merced

Flood risk indexVery High FEMA NRI

Median household income$67,129

Median area rent$1,524/mo

Median home value$444,900

the verdict

1.53%vs 1.2% target

wide confidence band

financing: 20% down · — (FRED, live) · 30yr

$99,000

1.53% · rent $1,514

Intrinsic value · income approach

$281,634

65% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.