Cash Flow in California With 25–30% Down: The LA Duplex Investment That Still Actually Works

Finding an investment property in California that cash flows is getting harder every year. Most single-family properties with ADUs in Long Beach require 35% or more down just to break even on monthly income — and that's considered one of the more investor-friendly markets in SoCal. New-build duplexes in Los Angeles from Ocean Development are one of the few property types that can still cash flow with roughly 25–30% down, which is increasingly difficult to find statewide.

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The builder behind these properties is Ocean Development — one of the most active and recognized new construction duplex and triplex developers in Los Angeles. Here's what makes them different from a typical developer.

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Who Is Ocean Development?

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Ocean Development builds duplexes and triplexes in Los Angeles specifically designed for strong, steady rental income — not for flips, not for owner-occupants, but for investors who want a property that runs itself. They've completed over 1,000 developments within the city of Los Angeles and were recognized by the City of LA as one of the top builders of new construction. That's not a marketing claim — that's a track record built over 20+ years of building the same product, in the same market, for the same purpose.

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What makes them unusual is that they buy their own inventory. The developer personally owns over 400 of these same duplexes and triplexes in the area and continues to add to that portfolio. When a developer is also one of your largest co-investors, the quality of construction tells a different story.

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What they build:

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  • Duplexes averaging two 5 bed / 3 bath units — 10 bedrooms and 6 baths per building

  • Triplexes with 3 to 5 bedroom units per door

  • Buildings ranging from approximately 3,300 to 3,600 square feet

  • Each duplex typically includes a 2–3 car garage plus additional off-street parking

  • All units separately metered with solar electric systems

  • Dual pane windows, ceiling fans, granite countertops, quality kitchen and bath fixtures throughout

  • Built to the latest Los Angeles County permit codes and engineered for an 8.0 earthquake

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Where they build: The Ocean Development portfolio is concentrated in South Los Angeles — roughly:

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  • South of MLK

  • North of Manchester

  • East of Vermont

  • West of Main

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This puts every property 2 to 4 miles south of USC and the Staples Center, and southwest of the $4 billion SoFi Stadium development in Inglewood. The area is in the middle of a long-term transformation, and the rental demand from tenants who work in LA — and want quality housing close to it — is consistent and strong.

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Their management model: Ocean Development doesn't just build and sell. They run a full-service property management company that manages approximately 3,000 units in this same area. They own a warehouse stocked with replacement parts and run 40 service trucks. Because every duplex they build uses the same windows, plumbing fixtures, appliances, and electrical systems, any repair is fast and cheap — there's no hunting for parts, no waiting on contractors. Their management fee averages less than 6% of rental income, which is well below market for the service level they provide.

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They also maintain a 96%+ occupancy rate across their managed portfolio, which translates directly to fewer turnovers, less vacancy loss, and more consistent net income for owners.

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Current pricing: New construction duplexes, triplexes, and fourplexes from Ocean Development are currently ranging from $1,400,000 to $2,300,000 depending on lot cost, unit count, and building size. Lots west of the 110 Freeway and north of Vernon tend to carry a slight premium. The 2014-vintage duplexes — which represent some of the earlier builds in the portfolio — have been trading around $1,050,000 to $1,054,000 and generate approximately $7,500/month in gross rents. Those earlier builds are increasingly rare as inventory turns over.

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Why supply is shrinking: In 2019, Ocean Development sold approximately 110 properties. By 2025, that number is down to around 45. Lots in this area are becoming scarcer and more expensive, and the economics of building at scale are tightening. 2026 is expected to see another drop. This is not a developer ramping up — it's one contracting, which means the window for buying these at current prices is narrowing each year.

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Below I've included a sample financial breakdown based on a recently sold 2014-build duplex, followed by the most common questions buyers ask. The specific units have sold, but the numbers are representative of what's available in the current Ocean Development inventory.

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The Financial Breakdown — 25% Down

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Purchase Price$1,050,000

25% Down Payment $262,500

New Purchase Loan $787,500

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Estimated Monthly Expenses

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ExpenseMonthlyProperty Taxes$1,100

Management $430

Insurance $200

Water/Trash $350

City Fees $45

Gardening $90

Est. Repairs $400

Est. Vacancy$300

Total Monthly Expenses$2,915

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Annual Income & Cash Flow

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Estimated Annual Rental Income $91,200 ($7,600/mo)

Estimated Annual Expenses $34,980

Estimated Annual Net Income $56,220

Annual Mortgage Payments$58,944 ($4,912/mo at 6.375%, 30-yr fixed)

Annual Cash Flow-$2,724Annual Loan Balance Reduction$8,748

Cash Flow Before Deductions$6,024

Estimated Income Tax Deduction$10,000 ($25,000 at ~40% combined fed/state bracket)

Effective Annual Return$16,024

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Estimated Cap Rate: 5.35% · Estimated GRM: 11.6

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If you're evaluating this with a DSCR loan instead of a conventional investment mortgage, the qualifying criteria look different — DSCR lenders underwrite against the rental income directly rather than your personal income, which opens up this type of property to more buyers.

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Why Real Estate Still Beats Everything Else

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With investment property in your retirement plan, you no longer have to fear outliving your money. The wonderful thing about real estate is rental income tends to rise with inflation. If inflation doubles — the duplex's value and rental income can also double, matching the rate of inflation. Real estate is the hedge against inflation that we all know and understand — in addition to its valuable function as shelter. This has held true for my LA duplexes. The value of my 2012 property has over doubled in value, and the rental income has increased nearly 80%.

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Our cash in the bank today generates some interest; but as an asset it provides zero appreciation. In fact, inflation causes the value of our cash in the bank to depreciate each year. Our duplexes offer the added benefit that property tends to increase in value with inflation — the exact opposite of depreciating cash. This adds to the already great return on investment of these duplexes.

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Real estate is one of the strongest hedges against inflation you can own. If you saved $1,000 in your cookie jar in 1960 — it would have depreciated in value, and only buy $200 worth of goods and services 40 years later in 2000. Over this time, inflation eroded 80% of the value of those dollars. During the same period, Los Angeles real estate beat inflation. A home in Southern California that sold for $17,000 in 1960 was worth $220,000 in 2000 — a 12 time increase in value. Plus the real estate generated additional rental profit over that time period making it an even better investment. (By the way; the home that sold for $17,000 in 1960 is selling at $850,000 today.) We can look at a different time period. This same home worth $140,000 in 1987, increased in value 30 years later to $600,000 in 2017. If you purchased this property with 25% down ($35,000) in 1987; your return on investment was 1,300%. This is in addition to averaging another $10,000 per year ($300,000) net profit on rents — bringing your total return on your original investment to over 2,100%.

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And of course your cash flow and equity gets better each year as rents rise and the loan is paid down. Real estate is a long term investment that will take care of you forever. Even as the tide of inflation rises, real estate, like a cork floating in the ocean, rises with the tide and stays on top.

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We can even look at the most poorly timed real estate investment in history — 2007. This was just before the world-wide economic collapse of 2008. The average priced home in Orange County, Ca. was around $650,000 in 2007. That same home now has a value over $1,050,000 today. That's more than a 60% increase in value — for the worst possible Southern California real estate investment in the past 80 years. And this profit doesn't include the rental income the property produced over that period (rental income has doubled during this time). That average priced home in 2007 rented for $2,000 per month, and now brings in $4,000 monthly rent today — giving the owner another $200,000 net profit in addition to the appreciation they earned. That's fabulous profit for what would be the worst timed real estate investment in the past 80 years. Imagine how great our real estate investment will be if the purchase is just average.

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Great hedges against inflation are real estate and precious metals. They are both something solid and real. Real estate gives you the advantage of a monthly income in addition to rising in value with inflation. We can't rent out our precious metals. They are not going to provide monthly income for your family. That makes real estate the clear winner.

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If you're considering whether to hold for the long term or eventually sell, this breakdown of sell vs. hold for LA ADU properties walks through the math on both sides.

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About the Developer and Management

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The developer personally owns over 400 of these same units in the area — and continues to buy his own inventory. Their property management company has a complete warehouse and full time crew to take care of any repairs that may be needed. Also, the duplexes they build and service all have the same finishes; windows, heating, electrical, plumbing systems, fixtures, and appliances. The management company buys replacement parts in bulk at a discount, and these are stored in their warehouse in the area, and on their 40 service trucks in the area. This insures any repair needed is quick and affordable compared to other property an investor can own. Our developer's management company is like the Costco of property management.

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The design of the buildings and floor plans is excellent and well thought out. Each duplex unit averages 5 bedrooms and 3 baths. Each triplex includes 3 to 5 bedroom units. The builder keeps improving the designs, and was recognized by the City of Los Angeles for one of the top builders of new construction with over 1,000 developments in the city. That's a lot of local construction experience.

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These duplexes and triplexes appeal to families that want long term rental homes in this area. In fact, another great feature of these properties is they average 96%+ occupancy rate. This means fewer turnovers, less vacancy, and more net profit for owners every year.

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The construction amenities are outstanding. Of course everything is brand new and built to the latest strict Los Angeles County permit codes. These homes all have dual pane windows, ceiling fans, beautiful kitchen and bath fixtures and cabinets including granite counter tops. These units are separately metered and each unit includes a solar electric system with panels. The landscaping and exteriors are attractively finished. Each duplex includes a 2 or 3 car garage and 1 or 2 additional off-street parking spots.

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With the new construction investment properties, you own real property, not a percentage of an investment that may be difficult to understand or determine if you are receiving the correct return. Selling or holding your new construction property in the future will be 100% your choice, because you own 100% of the property. Even in 10 years; these new duplexes will still only be 10 years old. And the return on investment far outperforms any other investment property in Los Angeles or Orange County — or even Riverside County.

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The new construction investment properties are in an area 2 to 4 miles south of USC and Staples Center and on both sides of the 110 freeway. Our full service property management company manages 3,000 units in this area. As an owner, we don't have to be involved with day to day; month to month; or even year to year issues. I like that the builder buys his own inventory and owns 300 of these same units. To manage this volume, they own a warehouse in the area, and have a full time crew with 40 service trucks to take care of any repairs that may be needed. Also, these new construction properties all have the same size windows, heating, electrical, & plumbing systems, fixtures, and appliances. The management team buys replacements in bulk at a discounted cost, and stores replacement parts in their local warehouse. Any repair needed is very quick and affordable. No hunting down replacement items, and no upset tenant waiting when a repair is needed.

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Additional LA Area Market Information

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Our new duplexes and triplexes are between the LA Live area and USC on the north, and the new multi-billion dollar Inglewood Rams and Chargers stadium on the southwest. This entire area of Los Angeles keeps improving, and drawing strong demand from tenants wanting quality homes to rent in this area.

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With investment property in your retirement plan, you no longer have to fear outliving your money. The wonderful thing about real estate is rental income tends to rise with inflation. If inflation doubles — the duplex's value and rental income can also double and match the rate of inflation. Real estate is the hedge against inflation that we all know and understand — in addition to its valuable function as shelter.

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Cash in the bank today will generate some interest; but as an asset it provides zero appreciation. In fact inflation causes the value of our cash in the bank to depreciate each year. Our duplexes offer the added benefit that property tends to increase in value with inflation — the exact opposite of depreciating cash. This increases the already great return on investment of these duplexes.

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Our developer is in the process of acquiring lots to build additional duplexes and triplexes — although the lots are becoming more scarce as the values continue to rise in this area. As a result, there is less new construction investment property available each year beginning in 2023.

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The areas our 2–4 unit investment properties are located:

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  • South of MLK

  • North of Manchester

  • East of Vermont

  • West of Main

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Current pricing for new construction duplexes, triplexes, and fourplexes averages $1,400,000 to $2,300,000, depending on the developer's cost for the lot, size of the construction, and the unit count of the building. The purchase price for the lots trend a little higher west of the 110 Freeway and north of Vernon. The duplexes average two 5 bedroom 3 bath units (and yes, that is 10 bedrooms and 6 baths per duplex). Each duplex often includes a 3 car garage. The triplex units average 4 bedrooms and 3 baths, plus garages.

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Common Buyer Questions

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Q: If I want to sell my duplex in the future, who would be my buyer?

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Buyers in the future will be both investors and owner occupants — just as they are now. The difference will be even more owner-occupant demand. The demographic in this area is motivated to increase their income and savings to purchase their own homes. They prefer to stay in the area they are familiar with and where their relatives and friends live. These duplexes are an excellent purchase as a primary residence with additional rental income. With FHA financing, an owner occupant can purchase with as little as 3.5% down payment.

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FHA Owner-Occupant Duplex Purchase Example:

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Purchase Price$1,450,0005% Down$72,500Closing Costs$20,000Loan Balance$1,377,500

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Monthly Expenses:

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Mortgage Payment$8,148 (5.875% FHA loan)Mortgage Insurance$975Home Insurance$150Property Taxes$1,510Total Monthly Expenses$10,783

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Monthly ownership cost$10,783Monthly gross income from second unit-$4,300Monthly owner-occupant cost$6,483

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Monthly owner-occupant cost$6,483Principal balance pay down each month-$1,404Estimated Fed & State tax savings-$2,173Depreciation tax deduction for 2nd unit-$659Real monthly cost compared to rent$2,247

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As you can see this is a phenomenal purchase for an owner occupant. They can live in the back unit and rent the front unit to a friend, relative, or another family — and save $2,000 per month in housing expense compared to renting. Instead of renting for $4,300 every month; they are in the same home at an effective cost of $2,247 per month — giving them over $24,000 annual savings in housing expense for their family. Their original $92,000 investment to purchase is returned within the first four years of ownership. And this doesn't even consider their potential appreciation.

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If you're using the second unit's income to help qualify for the mortgage, exactly how lenders count that rental income at underwriting varies by loan type and matters a lot before you make an offer.

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Q: Do you recommend earthquake insurance? How much does it cost?

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I personally haven't purchased earthquake insurance for the newer construction properties. The insurance usually has a 15% deductible which can mean the first $90,000 of damage would be the owner's responsibility. My personal opinion is that if there was more damage than that; everyone's property would have more damage and the government would probably cover the repair cost. This is new construction built to the most up to date earthquake codes. These new duplexes are designed and engineered for an 8.0 Earthquake per Los Angeles City code requirements. If there were a significant earthquake, this duplex would probably be one of the strongest structures. Of course it is a personal choice you can consider when speaking with the insurance company you choose. You can also use the same insurance company we use. I believe earthquake insurance is averaging around $850 per duplex, in addition to the standard fire insurance policy. I may purchase earthquake insurance in the future. I can write off the cost, and my properties are cash flowing so well, it is a minor additional expense for me.

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Q: How is the South Central LA location for investment?

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This is not an area you would personally choose to live in — although it may be in another 10 years with the transformation it is going through. It is a great investment property area with excellent appreciation potential. I believe a 10 year hold will provide a fabulous return on investment in addition to the positive cash flow. The oldest duplex built from the developer is now 13 years old, and just now updating this property for the first time to attract the highest market rents (double the rents it received when it was new in 2012). Of course the management company handles all rent collections. They are experts and currently manage nearly 3,000 units in this area. They take care of everything, and we just receive monthly rent direct-deposits into our bank accounts.

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This area is close to USC, the Staples Center, and the new $4 Billion SoFi Stadium development. There are fabulous new high rise condos and restaurants near our duplexes and triplexes. This area is called LA Live and is now a weekend destination area for entertainment, movies and concerts, in addition to the home of the Lakers & Kings professional sports teams. Of course the duplexes are in an excellent area for people that work in LA — just a quick drive, bus ride or even bike ride to their jobs.

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The city of LA recently approved a $1 billion (yes, that is Billion with a "B") improvement plan to expand the USC area and upgrade the surrounding shopping district. This new area is called USC Village. Both of these major projects totaling nearly $2 billion and scheduled for completion over the next 10 years are within 2 to 3 miles of our duplexes. As the entire area keeps improving, property values surrounding these improvements rise.

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Q: What's California's law like regarding rental properties? Who does the state favor — tenant or owner?

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Yes; LA is also liberal in regard to tenants. That is why the builder always builds brand new construction. This avoids local rent control laws for the first 15 years for new construction. After 15 years, we recommend raising rents annually to keep your units at market rents, and keep the profits flowing to you. California's AB 1482 Tenant Protection Act sets state rent control at 5% plus the local cost-of-living increase (estimated at approximately 7.5% annually). A unit renting at $4,000 per month can still raise the tenant's rent $300 per month. Actual rent increases average around $100–$200 annually, well within the state rent control threshold.

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Q: The annual property tax for a duplex looks like around $16,000. Is that right?

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LA County property tax rates are about 1.25% annually of the purchase price. This amount can only rise 2% each year. With a purchase price for a duplex at $1,300,000 — the annual property tax is $16,250. Property tax payments can increase up to $325 the next year. I understand this is much lower than New York, Illinois, New Jersey, Texas and many other states. That is because California's Proposition 13, passed in 1978, limits the base property tax rate to 1% of value at time of purchase. The additional .25% is based on utility, street, or school bonds that the state allows the counties to add to the base rate. If you've inherited an LA rental property and are facing reassessment questions, how Prop 19 affects inherited rental properties in LA County is worth reading before you make any decisions.

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Q: Does the builder warranty all defects including building code issues? How long?

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The builder includes the standard builder one year home warranty — AND you receive a full builder material defect warranty for 4 to 10 years depending on the construction items. Remember; the builder is selling these duplexes to us at these low prices for the long term management relationship, so he builds quality to avoid management issues. Of course you can use a different management company; manage yourself; or switch management companies later if you prefer. This developer builds quality because he wants a great long term relationship and an easy to manage property. Even if you have another property in the area that he didn't build, he doesn't want to manage it. He wants problem free buildings. Our developer also buys his own product adding to his current portfolio of these investment properties. The developer personally owns over 300 of these units in this area.

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Q: Will the lender require an environmental inspection?

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Of course that would be up to your lender. We haven't heard of any lenders requiring this for residential properties in this area. This is residential property that has been residential property for the past 70 years, before it was vacant land. This is also flat level property and not a hillside. Environmental or Geological Phase 1 or Phase 2 inspections are for commercial or hillside properties. You do receive a Geological Disclosure Report by a third party geological company as part of the escrow.

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Q: What does the $200/month insurance cover?

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We are not paying for contents insurance for the occupants. We pay insurance for the structure. Basic annual insurance policies are averaging $2,400 per duplex, and a little more for the triplexes and fourplexes, depending on the insurance company you choose and if you want additional coverage. We recommend a $5,000 deductible when getting your insurance policy estimate. Also, it's not only good to shop insurance — it is best to bundle at least 3 policies to receive the lowest price. This can include your investment property, your primary residence, your car, your umbrella policy, or even an extra jewelry, art, or recreational toy policy.

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Q: Can the management company handle gardening?

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The management company provides gardening service. I currently average $90 per month for gardening at each of my duplexes. They have already beta-tested everything we need and provide the best services. By the way; gardening is included in my estimates above.

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Q: What about environmental issues underneath the property?

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Our new duplexes are built in established residential neighborhoods originally developed mostly in the 1940's. It is unlikely there is any environmental issue or negative soil condition. Even if there were natural high sulfates or alkaline in the soil; the type of higher density concrete and construction methods used today are not affected by those soil conditions — And I haven't heard of even those natural conditions in this area.

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Q: How would these duplexes hold up in a major earthquake like Northridge?

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Of course these duplexes are brand new construction built to the latest earthquake codes required by the city. These duplexes are designed and engineered for an 8.0 Earthquake per Los Angeles City code requirements. I would expect these buildings to do very well in an earthquake and surely much better than the homes built 50 to 80 years earlier that surround our duplexes. Of course you can use your current insurance company or shop around. You can also add earthquake insurance if you feel it is a good bet.

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Q: Who do you recommend for financing?

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My favorite lender is Erin Halliday at New American Funding. Erin and her colleague Jon Levin have together closed 50+ loans on these exact Ocean Development duplexes — they know the product, the builder, and the income story cold. That experience makes a real difference in how smoothly escrow goes.

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Erin Halliday New American Funding www.newamericanfunding.com/mortgage-loans/erinhalliday

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Q: Can we negotiate on price with the builder?

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If you estimate the cost to build a 10 bedroom, 6 bathroom, 2 kitchen, 3,500 square foot building at just $240 per square foot — the cost to build is $840,000. The average price to purchase a lot zoned for two units in the area averages $500,000. This already brings the cost to build to $1,340,000. Then factor in the lot acquisition costs; architectural fees; demolition of the existing structure; your holding costs while you're obtaining permits and the time needed to complete construction and receive your certificate of occupancy. There simply isn't any profit for a standard builder. It's amazing our developer is making any profit at all selling brand new 3,500 square foot duplexes — and the larger triplexes — to us at these prices.

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Only our developer can build this quality and sell to us at these prices. How are they able to do it? Because they build volume and buy their materials at a discount for 20 units at a time. They also have developed the architectural drawings; have a great relationship with the city; and super-efficient contractors that have built this structural design many times.

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As the lots become more scarce and higher priced; our builder won't be able to sell at these discounted prices. We are already experiencing a lower number of units available each year. I believe our developer will only build around 45 properties for sale in 2025. This is down from 110 properties in 2019. And 2026 will see an additional drop in new construction duplexes. Normally a builder requires a minimum of 15% profit to build a project — or they simply don't build. The risk factor is too great. Our developer is building duplexes for us on about half that margin. This is a rare opportunity, and frankly I don't think it will continue at these prices for much longer.

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Q: Should I self-manage or use Ocean Development's management company?

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If you purchase a new LA duplex, I recommend using Ocean Development for management. They will only manage these new duplexes that they build. We have other investors that purchase 2 to 4 of these duplexes and ask Ocean Development to also manage their older units in LA. Ocean Development usually declines and tells them if they want all their units with one manager — then they should place their new duplexes with their current manager. Ocean Development really prefers to only manage the duplexes they build because they know the quality of construction; have the correct replacement parts in their warehouse; and can easily repair any issue quickly and affordably.

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Ocean Development management cost for our new duplexes averages less than 6% of rental income. Repair costs are lower than for other rental properties because these duplexes are new construction built to the latest codes. The cap rate for these new construction duplexes with full management is averaging around 5%. Managing yourself can increase the cap rate a small amount. Of course this assumes a vacuum where all things are equal… And all things are rarely equal. Ocean Development knows what they are doing and they are very good at it. Their professional management team is in the best position to reduce vacancy and bring in highest rents. In reality, your cap rate will most likely be better with Ocean Development managing your duplex or triplex compared with self-management.

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If you prefer to self-manage, or want a family project — you may want to pass on these new construction duplexes, and just purchase existing construction near your home. An Orange County purchase will probably be a 40 to 60 year old home or townhome with around a 3% Cap Rate compared with our new construction duplexes at around a 5% Cap Rate. If you can find newer construction in Orange County it will likely offer even lower returns. More upscale areas will also offer lower returns. If you purchase a distressed property, you will need to analyze your repair costs, and holding costs before you are able to place tenants, when you calculate your total acquisition price. The next closest returns may be found in San Bernardino and Riverside Counties.

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To attract tenants with self-management; you can hire a company to market and help acquire the right tenant for a one-time fee (usually around $2,500 for each tenant). Or you can personally market for tenants with yard signs, Craig's List, real estate websites, or newspaper ads. You can meet, interview, and show the property to potential tenants, collect applications and deposits, run credit reports and eliminate and choose your tenants. Of course you will be answering calls for tenant issues and repairs for older properties; and you can follow up on missed rent if you self-manage your investment property.

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If you decide the right property investment for you is one of our new LA duplexes; it isn't a property that needs any choices in flooring, paint colors, window treatments, appliances, landscaping, or frankly anything. It is a turnkey investment. These are designed with the best finishes that are attractive and durable to secure the most profit. Our new duplexes are like purchasing stock in a superior company, or purchasing futures in a rising commodity. The difference is these duplexes pay you a strong profit dividend every month. This is really the beauty of these new duplexes. They are hands free, sort of like owning a mutual fund. The truth is you might never visit your new duplex again once you close escrow — just like you never visit the factory for a company's stock you may own.

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If you want to interior design a property or you are looking for a hobby; it may be better to find a distressed property closer to home. That would give you a project to personally upgrade and select all the finishes and landscaping. When tenants leave, you get to clean the property, select new paint and carpet, arrange for repairs and changes, advertise the property and show it to potential tenants. It may be fun and entertaining for you.

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Both ways work well over the long term. The developer's management company currently manages 3,000 of these units. They understand how to best attract and manage tenants. I let them do what they have perfected and spend my time doing what I do best. I think of my duplexes as ATM machines that deposit money into my bank account every month — and the money in the ATM machine never runs out. And it even increases with inflation. I won't ever have to repair or even polish the ATM…. ever. I won't even have to go to the ATM. The money is automatically deposited into my bank account each month, and available for me wherever I am in the world.

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Ready to See What's Available?

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These Ocean Development duplexes don't sit on the market — inventory is shrinking every year and serious buyers move fast. If you want to see the current available properties, run the numbers on a specific unit, or just understand whether this type of investment makes sense for your situation, I'd love to walk you through it.

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I'm Dylan Serna, and I specialize in income-producing properties like these across the LA and Orange County markets. There's no pressure — just a straightforward conversation about the numbers and whether this fits your goals.

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Call or text me at 714-860-2868 to schedule a consultation on what currently is available for inventory for these multi units.

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For financing, Erin Halliday at New American Funding has closed 50+ loans on these exact properties and knows the income story inside and out — she's a great first call if you want to understand your buying power before we tour.

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