CashFlowRE
Sign in Sign up
5068 Pearl Davis Rd
D Composite 41.96
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +12.2/30.0
  • ARV discount +9.9/15.0
  • Schools +4.7/10.0
  • Rent growth +3.8/5.0
  • DSCR +3.6/10.0
  • 1% rule +2.8/10.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$229,900

5068 Pearl Davis Rd · Bemiss, GA 31605
3 bd · 2.0 ba · 1,628 sqft · SingleFamily public records · 23 Days on market
Built 1993 0.34 ac lot Est $243k · 5% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Beautiful 3 Bedroom 2 Bath home with Tile flooring throughout except for the bedrooms. Large living room with Vaulted ceiling and stone fireplace. Kitchen has plenty of cabinet and counter space, pantry and an eat in breakfast area. Huge laundry room with tons of room with separate entry from the garage and access to the backyard. Large Master suite with custom built shelving in the closet and double sinks! Guest bedrooms are perfect size for kids or your guests. Best of all if you want to be your kids hero this is the house for you! Backyard has a Custom two story tree house and zip line!! Fenced backyard with additional storage shed for your lawn equipment and also includes transferable termite bond! Just minutes from Moody Air Force Base, shopping and entertainment! Call today

Key facts

  • Vaulted ceiling
  • Stone fireplace
  • Fenced backyard

Tags

NEW ROOFFENCED BACKYARDDURABLE TILE FLOORINGVAULTED CEILINGSTONE FIREPLACEGENEROUS CABINET STORAGE

Property features AI

Finance

  • Other: Zoning: R-10
  • Financial info: No additional financial details provided
  • HOA & community: No HOA details provided

Exterior

  • Parking: 2-car garage
  • Security: No security details provided
  • Utilities: Private well water; Septic tank sewage
  • Home design: Single-family residence; One-story
  • Construction: Masonite exterior; Shingle roof
  • Exterior features: Fenced yard; Covered patio/porch

Interior

  • Kitchen: Dishwasher; Microwave; Refrigerator
  • Bedrooms: No specific bedroom details provided
  • Flooring: No flooring details provided
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: No heating or cooling details provided
  • Interior features: Dishwasher; Microwave; Refrigerator; Covered patio/porch
  • Laundry & utility: Dedicated laundry room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $230k.

Deal economics

  • At list price, monthly cash flow is $-46 ($-557/yr) — negative.
  • To cash-flow at today's rent, offer at most $222k (3.6% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $180k (21.9% below list).
  • Recommended offer: $180k (21.9% below list) — sets the bar for 1% rule.
  • Cap rate 6.1% vs local median 4.7% in Bemiss — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • Lowndes County (rural): math 59% / reading 52% proficiency, ranked #8 of 174 in GA (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Pine Grove Elementary School (math 62% / reading 54%, grade C+, #143 of 1,228 statewide, top 12%, 664 students, 56% FRL); Pine Grove Middle School (math 56% / reading 57%, grade B, #48 of 470 statewide, top 10%, 742 students, 50% FRL); Lowndes High School (math 69% / reading 51%, grade C+, #14 of 424 statewide, top 3%, 3,201 students, 39% FRL).
  • Market conditions: Rents rising fast (+5.1%/yr); 233 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 896 units permitted in Lowndes County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Lowndes County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 23 days — a 2% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 5y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $180k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $179,500 (21.9% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.78%
Cap rate
6.05%
Cash-on-cash
-0.87%
DSCR
0.96
GRM
10.7

CMA / ARV

ARV (on-the-fly)
$242,572
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
5210 N Northridge Rd 0.27mi 3/2.0 1,556 (-4%) 2mo $219,500 $141 78
4221 Buckhead Dr 0.23mi 4/2.0 (+1) 1,562 (-4%) 0mo $250,000 $160 77
5209 N Northridge Rd 0.24mi 3/2.0 1,541 (-5%) 4mo $229,000 $149 76
5211 Bobcat Cir 0.19mi 4/2.0 (+1) 1,607 (-1%) 13mo $237,000 $147 73
4192 Bowen Way 0.36mi 4/2.0 (+1) 1,689 (+4%) 1mo $295,000 $175 71
4014 Sandy Run Dr 0.44mi 3/2.0 1,580 (-3%) 8mo $215,000 $136 68
4186 Bowen Way 0.36mi 4/2.0 (+1) 1,619 (-1%) 12mo $289,150 $179 67
4174 Bowen Way 0.37mi 4/2.0 (+1) 1,613 (-1%) 13mo $279,000 $173 65
5214 Bobcat Cir 0.15mi 4/2.0 (+1) 1,761 (+8%) 14mo $230,900 $131 62
3804 Cross Creek Trl 0.73mi 3/2.0 1,554 (-4%) 11mo $228,500 $147 49
3955 Cobblestone Way 0.63mi 4/2.0 (+1) 1,523 (-6%) 7mo $238,000 $156 49
4832 Lori St 0.60mi 3/2.0 1,871 (+15%) 14mo $250,000 $134 36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.07% rent growth · sell at horizon

5-year hold
IRR
-15.6%
Equity multiple
0.43×
Total profit
$-36,446
Equity at exit
$34,279
10-year hold
IRR
-4.2%
Equity multiple
0.70×
Total profit
$-19,412
Equity at exit
$19,878

Cash invested: $64,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

ZIP-level market 31605

Home prices YoY
-11.5%
Rents YoY
5.1%
Active inventory
233
Price-to-rent
10.7×

Monthly cashflow live

Estimated rent
$1,795 high interval (Pro) →
Mortgage (P&I)
$1,206
Tax from tax record
$163 /mo · $1,957/yr
Insurance
$96
HOA
$0
Vacancy / Maint / Mgmt
$377
Net cashflow
$-46

Break-even live

Break-even rent $1,854
Max offer price $221,694
Occupancy floor 98%

Sensitivity live

Price -10% $84 -5% $19 +0% $-46 +5% $-112 +10% $-177
Rent -10% $-188 -5% $-117 +0% $-46 +5% $24 +10% $95
Rate -1.0pp $69 -0.5pp $12 base $-46 +0.5pp $-106 +1.0pp $-167

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$57,475
Closing costs
$6,897
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 20 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
5124 Northridge Rd S Valdosta, GA 3.0 2.0 1454 $1,700 $1.17 23d 1 0.15mi
5026 Pearl Davis Rd Valdosta, GA 3.0 2.0 1207 $1,200 $0.99 23d 1 0.19mi
6023 Bemiss Towns Dr Valdosta, GA 3.0 2.5 1498 $1,550 $1.03 23d 1 0.48mi
6042 Bemiss Towns Dr Valdosta, GA 3.0 2.0 1537 $1,700 $1.11 23d 1 0.48mi
4141 Pebble Creek Dr Valdosta, GA 3.0 2.0 1189 $1,295 $1.09 23d 1 0.61mi
4007 Foxridge Ln Valdosta, GA 4.0 2.0 1450 $1,750 $1.21 23d 1 0.63mi
3912 Duke Ct Valdosta, GA 4.0 2.0 1850 $2,000 $1.08 23d 1 0.76mi
4001 Conway Cir Valdosta, GA 3.0 2.0 1797 $2,000 $1.11 23d 1 0.77mi
4120 Clay Dr Valdosta, GA 4.0 2.0 1806 $2,000 $1.11 23d 1 0.79mi
3908 Countess Ct Valdosta, GA 4.0 2.0 1917 $2,250 $1.17 46d 1 0.86mi
4125 Barrington Dr Valdosta, GA 3.0 2.0 1212 $1,500 $1.24 46d 1 1.00mi
3964 Crusader Ct Valdosta, GA 4.0 2.0 1851 $2,400 $1.30 23d 1 1.01mi
4032 Case Pt Valdosta, GA 4.0 2.0 1664 $2,050 $1.23 23d 1 1.06mi
4051 Gramercy Dr Valdosta, GA 4.0 2.5 1771 $2,300 $1.30 23d 1 1.14mi
3925 Glen Laurel Dr S Valdosta, GA 3.0 2.0 1510 $1,850 $1.23 23d 1 1.20mi
3919 Stratford Cir Valdosta, GA 4.0 2.0 2024 $1,900 $0.94 46d 1 1.22mi
4782 Stonewall Cir Valdosta, GA 3.0 2.0 1349 $1,550 $1.15 46d 1 1.22mi
3875 Trotters Ridge Cir Valdosta, GA 3.0 2.0 1292 $1,700 $1.32 23d 1 1.38mi
3824 Brookfield Dr Valdosta, GA 3.0 2.0 1517 $2,000 $1.32 23d 1 1.43mi
3844 Coventry Dr Valdosta, GA 4.0 2.0 1765 $1,950 $1.10 23d 1 1.46mi

Listing history 23 events

  1. 2026-06-21
    days on market $229,900 Active 23 DOM
  2. 2026-06-19
    days on market $229,900 Active 21 DOM
  3. 2026-06-18
    days on market $229,900 Active 20 DOM
  4. 2026-06-17
    days on market $229,900 Active 19 DOM
  5. 2026-06-16
    days on market $229,900 Active 18 DOM
  6. 2026-06-15
    days on market $229,900 Active 17 DOM
  7. 2026-06-14
    days on market $229,900 Active 15 DOM
  8. 2026-06-13
    days on market $229,900 Active 14 DOM
  9. 2026-06-10
    days on market $229,900 Active 12 DOM
  10. 2026-06-09
    days on market $229,900 Active 11 DOM
  11. 2026-06-08
    days on market $229,900 Active 10 DOM
  12. 2026-06-07
    days on market $229,900 Active 9 DOM
  13. 2026-06-05
    days on market $229,900 Active 6 DOM
  14. 2026-06-03
    days on market $229,900 Active 5 DOM
  15. 2026-06-02
    days on market $229,900 Active 4 DOM
  16. 2026-06-01
    days on market $229,900 Active 3 DOM
  17. 2026-05-31
    days on market $229,900 Active 2 DOM
  18. 2026-05-29
    listed $229,900 Active
  19. 2021-12-13
    soldstatus $180,000
  20. 2021-12-06
    soldstatus $180,000 795-char remark
    Show marketing remark (795 chars)

    Beautiful 3 Bedroom 2 Bath home with Tile flooring throughout except for the bedrooms. Large living room with Vaulted ceiling and stone fireplace. Kitchen has plenty of cabinet and counter space, pantry and an eat in breakfast area. Huge laundry room with tons of room with separate entry from the garage and access to the backyard. Large Master suite with custom built shelving in the closet and double sinks! Guest bedrooms are perfect size for kids or your guests. Best of all if you want to be your kids hero this is the house for you! Backyard has a Custom two story tree house and zip line!! Fenced backyard with additional storage shed for your lawn equipment and also includes transferable termite bond! Just minutes from Moody Air Force Base, shopping and entertainment! Call today

  21. 2021-10-21
    listed $169,900 795-char remark
    Show marketing remark (795 chars)

    Beautiful 3 Bedroom 2 Bath home with Tile flooring throughout except for the bedrooms. Large living room with Vaulted ceiling and stone fireplace. Kitchen has plenty of cabinet and counter space, pantry and an eat in breakfast area. Huge laundry room with tons of room with separate entry from the garage and access to the backyard. Large Master suite with custom built shelving in the closet and double sinks! Guest bedrooms are perfect size for kids or your guests. Best of all if you want to be your kids hero this is the house for you! Backyard has a Custom two story tree house and zip line!! Fenced backyard with additional storage shed for your lawn equipment and also includes transferable termite bond! Just minutes from Moody Air Force Base, shopping and entertainment! Call today

  22. 2006-06-11
    soldstatus $127,000
  23. 1993-07-09
    soldstatus $79,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$1,957 · $163/mo
Projected year-2 tax
$2,115 · $176/mo
Expected delta
+$158/yr (+$13/mo · 8.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 6/10 Major 12 unhealthy d/yr today · 14 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$21,540
− Mortgage interest
−$12,878
− Property taxes
−$1,957
− Insurance
−$1,150
− Repairs & maintenance
−$1,723
− Management
−$1,723
− Depreciation
−$6,688
Taxable loss
−$4,579
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,099
After-tax cash flow
$542/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Lowndes County
NCES district ID
1303390
Math proficiency
59% ▼ -1.00%
Reading proficiency
52% ▼ -2.00%
Median HH income
$48,221
Composite
47.21/100
National rank
#2317
State rank
#8 of 174 in GA

Livability — Bemiss

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Bemiss, GA
County
Lowndes County · 107,801 people
City population
24,280
Metro
Valdosta, GA
Population (ZIP)
24,829
Household income
$79,156
Rent vs Own
33.9% rent · 66.1% own
Severe rent burden
642.0

Population outlook (Lowndes County) Hauer SSP2

Today (2025)
120,348 people
By 2030
123,469 · +2.6%
By 2040
128,482 · +6.8%
By 2050
131,907 · +9.6%
By 2075
139,080 · +15.6%
By 2100
133,649 · +11.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.58)
Race & ethnicity
White 58% Black 27% Two or more races 7% Hispanic / Latino 7% Asian 2%
Hispanic origin (detail)
Mexican 3% Puerto Rican 3%
Common ancestry
Italian 2% Slovak 2% Lithuanian 2%
Foreign-born
4% · Canada, South Korea, Vietnam
Languages at home
93% English-only · Spanish 3% German/W. Germanic 1%

Political lean MEDSL · Lowndes

2024 margin
R (+18.0) · D 40.8% · R 58.8%
2008→2024 swing
-8.6pp toward R · 2008: -9.4pp · 2024: -18.0pp
All cycles
2024: R+18.0 2020: R+12.0 2016: R+18.2 2012: R+10.5 2008: R+9.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -24.74%
Current HPI
189.8471
Rent YoY
▲ 5.07%
Metro
Valdosta, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+187.7% since first listed
6 events — show timeline
  • 2026-05-29 Listed $229,900 SGMLS
  • 2021-12-13 Sold (Public Records) $180,000 Public Records
  • 2021-12-06 Sold (MLS) $180,000 SGMLS
  • 2021-10-21 Listed $169,900 SGMLS
  • 2006-06-11 Sold (Public Records) $127,000 Public Records
  • 1993-07-09 Sold (Public Records) $79,900 Public Records

Property tax history

+3.4%/yr

Latest (2025): $1,957 · -1.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…