285 George Akins Rd · Westmoreland, TN 37186

$89,000

2 bd · 1.0 ba · 980 sqft · Other public records · 46 Days on market

Built 1986 1.02 ac lot $91/sqft · 32% below area Est $130k · 32% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Appreciation +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Fixer-upper home offering a great opportunity for a rental or fix-and-flip project. Property is surrounded by trees in a quiet setting, providing privacy and a peaceful feel. Home appears to have solid bones and is ready for interior finishes to be completed. Selling as-is. Cash or in-house conventional financing only.

Key facts

• Solid bones
• Interior finishes
• Quiet setting

Tags

• QUIET SETTING
• SURROUNDED BY TREES
• SOLID BONES
• INTERIOR FINISHES

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $89k.

Deal economics

• At list price, monthly cash flow is $797 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $89k).
• Recommended offer: $86k (3.0% below list) — sets the bar for market timing.
• Cap rate 17.0% vs local median 4.3% in Westmoreland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#91 in TN) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• Sumner County (suburban): math 44% / reading 39% proficiency, ranked #12 of 139 in TN (top 9%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Union Elementary School (math 74% / reading 57%, grade B+, #37 of 952 statewide, top 4%, 576 students, 0% FRL); Westmoreland Middle School (math 39% / reading 28%, grade F, #73 of 333 statewide, top 23%, 430 students, 0% FRL); Westmoreland High School (math 27% / reading 37%, grade F, #56 of 332 statewide, top 20%, 526 students, 0% FRL) — zoned schools average 0% FRL vs 34% district-wide (34 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 145 active listings in the ZIP; 1,748 units permitted in Sumner County in 2024 (124 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $615 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Sumner County population projected at +35% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($86k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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 $73k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $86,330 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.89% ✓
• Cap rate: 17.04%
• Cash-on-cash: 38.39%
• DSCR: 2.71
• GRM: 4.4

CMA / ARV

• ARV (median comp): $130,000
• List price: $89,000
• Delta: -31.54%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 34.5%
• Equity multiple: 2.46×
• Total profit: $36,324
• Equity at exit: $13,270

10-year hold

• IRR: 41.3%
• Equity multiple: 4.89×
• Total profit: $96,903
• Equity at exit: $7,695

Cash invested: $24,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37186

• Home prices YoY: -1.4%
• Active inventory: 145
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,683 medium
• Mortgage (P&I): −$467
• Tax from tax record: −$28 /mo · $342/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$353
• Net cashflow: $797

Break-even live

Break-even rent $674

Max offer price $89,000

Occupancy floor 48%

Sensitivity live

Price	-10% $848	-5% $822	+0% $797	+5% $772	+10% $747
Rent	-10% $664	-5% $731	+0% $797	+5% $864	+10% $930
Rate	-1.0pp $842	-0.5pp $820	base $797	+0.5pp $774	+1.0pp $751

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-13
   status Pending 320-char remark

   Show marketing remark (320 chars)

   Fixer-upper home offering a great opportunity for a rental or fix-and-flip project. Property is surrounded by trees in a quiet setting, providing privacy and a peaceful feel. Home appears to have solid bones and is ready for interior finishes to be completed. Selling as-is. Cash or in-house conventional financing only.

2. 2026-05-12
   status Pending 320-char remark

   Show marketing remark (320 chars)

   Fixer-upper home offering a great opportunity for a rental or fix-and-flip project. Property is surrounded by trees in a quiet setting, providing privacy and a peaceful feel. Home appears to have solid bones and is ready for interior finishes to be completed. Selling as-is. Cash or in-house conventional financing only.

3. 2026-03-27
   listed $89,000 Active 320-char remark

   Show marketing remark (320 chars)

   Fixer-upper home offering a great opportunity for a rental or fix-and-flip project. Property is surrounded by trees in a quiet setting, providing privacy and a peaceful feel. Home appears to have solid bones and is ready for interior finishes to be completed. Selling as-is. Cash or in-house conventional financing only.

4. 2026-03-27
   listed $89,000 Active 320-char remark

   Show marketing remark (320 chars)

   Fixer-upper home offering a great opportunity for a rental or fix-and-flip project. Property is surrounded by trees in a quiet setting, providing privacy and a peaceful feel. Home appears to have solid bones and is ready for interior finishes to be completed. Selling as-is. Cash or in-house conventional financing only.

5. 2026-01-30
   soldstatus $73,000
6. 2019-02-21
   soldstatus $51,000
7. 2019-02-15
   soldstatus $51,000 Closed
8. 2019-01-22
   historical Contingent - Financing
9. 2019-01-21
   status Pending
10. 2018-12-15
    price $59,000
11. 2018-10-10
    listed $79,900 Active
12. 2005-04-29
    soldstatus $20,000
13. 2003-11-26
    soldstatus $11,000

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

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $342 · $28/mo
• Projected year-2 tax: $632 · $53/mo
• Expected delta: +$290/yr (+$24/mo · 84.8%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,194
• − Mortgage interest: −$4,985
• − Property taxes: −$342
• − Insurance: −$445
• − Repairs & maintenance: −$1,616
• − Management: −$1,616
• − Depreciation: −$2,589
• Taxable income: $8,602
• Est. tax owed @ 24.0%: −$2,064
• After-tax cash flow: $7,501/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: Sumner County
• NCES district ID: 4704020
• Math proficiency: 44% ▼ -11.00%
• Reading proficiency: 39% ▼ -5.00%
• Median HH income: $56,998
• Composite: 36.44/100
• National rank: #4667
• State rank: #12 of 139 in TN

Livability — Westmoreland

• Score: 68/100
• State rank: #91
• US rank: #9706

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment D- Housing A+ Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 10,644

Population outlook (Sumner County) Hauer SSP2

• Today (2025): 208,284 people
• By 2030: 223,902 · +7.5%
• By 2040: 253,892 · +21.9%
• By 2050: 281,199 · +35.0%
• By 2075: 344,866 · +65.6%
• By 2100: 384,369 · +84.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Asian 1% Hispanic / Latino 1%
• Common ancestry: Slovak 2% Lithuanian 1% Serbian 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Other Indo-European 1% Spanish 1%

Political lean MEDSL · Sumner

• 2024 margin: Solid R (+41.8) · D 28.5% · R 70.3% · Other 1.1%
• 2008→2024 swing: -6.9pp toward R · 2008: -34.9pp · 2024: -41.8pp
• All cycles: 2024: R+41.8 2020: R+38.6 2016: R+45.0 2012: R+42.0 2008: R+34.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -4.60%
• Current HPI: 336.4711
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+709.1% since first listed

13 events — show timeline

• 2026-05-13 Pending — UCMLS
• 2026-05-12 Pending — REALTRACS as Distributed by MLS Grid
• 2026-03-27 Listed $89,000 REALTRACS as Distributed by MLS Grid
• 2026-03-27 Listed $89,000 UCMLS
• 2026-01-30 Sold (Public Records) $73,000 Public Records
• 2019-02-21 Sold (Public Records) $51,000 Public Records
• 2019-02-15 Sold (MLS) $51,000 REALTRACS as Distributed by MLS Grid
• 2019-01-22 Contingent — REALTRACS as Distributed by MLS Grid
• 2019-01-21 Pending — REALTRACS as Distributed by MLS Grid
• 2018-12-15 Price Changed $59,000 REALTRACS as Distributed by MLS Grid
• 2018-10-10 Listed $79,900 REALTRACS as Distributed by MLS Grid
• 2005-04-29 Sold (Public Records) $20,000 Public Records
• 2003-11-26 Sold (Public Records) $11,000 Public Records

Property tax history

+3.9%/yr

Latest (2025): $342 · +58.3% YoY. Source: county tax records.