2165 Sepulveda
San Bernardino, CA, 92404
$590,000
MLS: IV26082950
Beds
4
Baths
2
Sq Ft
1,715
Lot
0.14 ac
Year Built
1926
MLS #
IV26082950
Days on Market
2
Listed
Apr 16, 2026
Description
Two detached single-family homes on one lot. Ideal for owner live in one and rent out the other house. This will essentially reduce the cost of home ownership by about half and can be financed with an FHA loan. It is located very close to San Bernardine Medical Center. The front home is big enough for a small or medium family. It offers 3 bedrooms and 1 bathroom (approx. 1,120 sq ft) and was updated within the past year. It's currently rented for $2300. The rear home includes 1 bedroom and 1 bathroom (approx. 595 sq ft), recently updated about 3 months ago. The 2-car garage attached to the rear house has been converted into additional living space (No permits), making it functioning as a 2-bedroom, 1-bath configuration. The roof on the second unit was replaced less than 10 years ago. The current rent is $1650 a month. Property features separate gas and electric meters and a shared water meter, with 90% of water, sewer and trash bills currently billed back to tenants—enhancing operational efficiency. Strong rental history with long-term tenants and minimal vacancy over extended ownership.Both units are currently tenant-occupied on month-to-month leases, providing flexibility for investors or future occupancy. Professionally managed and well maintained over the years, offering a turnkey investment profile with stable income characteristics.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: ALFREDO CORDOVA · ALTICORE REALTY
Payment estimate
$4,398
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,000 · Loan: $531,000
- Principal & Interest
- $3,263
- Property tax (1.25%)
- $615
- Homeowners insurance
- $300
- Mortgage insurance
- $221
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this San Bernardino home with as little as 3.5% down using an FHA loan — roughly $20,650 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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Local Market Stats
See San Bernardino, CA 92404 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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