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631 I St — Los Banos | Belmont Brokerage | Belmont Brokerage

Active

+22 more

$1,395,000

127 DOM

— bd— ba— sqft

Call

631 I St Los Banos, CA 93635-4222

7,500sqft lot

The Pinza Group is pleased to present 631-633 I St in downtown Los Banos, a renovated multi-unit property with 11 units (7 1bd/1bth, 2 2bd/1bth, and 2 commercial). Updates include new kitchens, remodeled bathrooms, flooring, electrical systems, doors, and windows. The property also features HVAC repairs, security enhancements, and outdoor improvements like resurfaced asphalt and a secure backyard. Conveniently located near Highway 152, shops, and parks, it offers a comfortable living space with modern amenities in a quiet, small-town setting. Tenants currently cover their own gas and electric expenses, reducing operating costs for potential future owners. The only cost the owner needs to cover is water and trash removal. It has a vacant commercial unit that offers strong value-added opportunity and approved ADU plans for two additional units and room for rent to increase cash flow.

MLS 41118956

510-725-4775 (Office) 925-290-7044 (Cell) jay@pinzagroup.com

Est. payment

$8,914/mo

Principal & interestTaxesInsurance

$7,054$1,453$407

Down %

Rate %

Years

Down payment: $279,000 · Total cost: $2,818,396

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$8,914/mo

Principal & interest: $7,054
Est. property tax: $1,453
Est. insurance: $407
Down payment: $279,000

Est. gross rent$5,813/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-3,101/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Price History

Event	Date	Price	Change
Listed	Dec 9, 2025	$1,450,000	—

Facts & Features

Transaction Data

▼Price Reduced from $1,450,000 (−$55,000)

Structure & Property

Year Built1939

510-725-4775 (Office) 925-290-7044 (Cell) jay@pinzagroup.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

631 I St, Los Banos, CA 93635-4222

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Call

631 I St Los Banos, CA 93635-4222

About this home

Jay Flores

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Jay Flores

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

631 I St, Los Banos, CA 93635-4222

About This Property

Property Photos

631 I St Los Banos, CA 93635-4222

About this home

Jay Flores

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Jay Flores

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.