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C- Composite 51.98
Why this score? — see what drove the C- 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 +17.3/30.0
  • ARV discount +13.0/15.0
  • DSCR +5.4/10.0
  • Schools +3.7/10.0
  • Rent growth +3.5/5.0
  • 1% rule +3.3/10.0
  • Livability +3.2/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$295,000

None · Dacula, GA 30019
3 bd · 2.0 ba · 2,001 sqft · SingleFamily public records · 9 Days on market
Built 1988 0.44 ac lot $147/sqft · 12% below area Est $336k · 12% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Make an offer! This home is being sold as-is. It's an excellent opportunity for investors, or buyers looking to make this home their own. NO HOA, private wooded lot, established community.

Key facts

  • Private wooded lot
  • 0.44 acre lot
  • Parking

Tags

PRIVATE WOODED LOTESTABLISHED COMMUNITY

Property features AI

Exterior

  • Parking: Covered parking for 1 vehicle
  • Utilities: Public water; Septic tank; Electric service available; Natural gas available; Cable available; Phone service available; Water service available
  • Home design: Two levels; Fee simple ownership; Frame construction; Metal roof
  • Construction: Frame construction; Metal roof; Crawl space foundation
  • Exterior features: Glass-enclosed patio/porch; Exterior storage

Interior

  • Kitchen: Eat-in kitchen with stained cabinets and laminate counters; Dishwasher; Electric oven; Refrigerator
  • Bedrooms: Two main-level bedrooms; Two upper-level bedrooms; Master bedroom on main level
  • Flooring: Carpet
  • Bathrooms: Two full bathrooms; One full bathroom on the main level; One full bathroom on the upper level; Master bath with tub/shower combo
  • Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fan(s)
  • Interior features: One fireplace located in the family room; No shared/common walls; Accessible approach with ramp; Storage on the exterior; Crawl space basement; Property listed as fixer
  • Laundry & utility: Main-level laundry room; Gas water heater

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 $295k.

Deal economics

  • At list price, monthly cash flow is $218 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $245k (16.8% below list).
  • Recommended offer: $245k (16.8% below list) — sets the bar for 1% rule.
  • Cap rate 7.2% vs local median 4.1% in Dacula — 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 65/100 on livability (#211 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: amenities F, commute F, health & safety D-.
  • Gwinnett County (suburban): math 39% / reading 43% proficiency, ranked #32 of 174 in GA (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Dacula Elementary School (math 46% / reading 42%, grade F, #356 of 1,228 statewide, top 30%, 1,188 students, 56% FRL); Dacula Middle School (math 31% / reading 44%, grade F, #162 of 470 statewide, top 35%, 1,839 students, 58% FRL); Dacula High School (math 12% / reading 15%, grade F, #325 of 424 statewide, top 78%, 2,498 students, 51% FRL).
  • Market conditions: Rents rising fast (+4.1%/yr); 643 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 5,607 units permitted in Gwinnett County in 2024 (1,277 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 $9k of value loss. Plan a longer hold.
  • Gwinnett County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
  • 2 sale attempts 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.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $245,315 (16.8% below list)

Questions for the listing agent

  1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  2. 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.
  3. 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.
  4. 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
0.83%
Cap rate
7.18%
Cash-on-cash
3.17%
DSCR
1.14
GRM
10.0

CMA / ARV

ARV (median comp)
$336,099
List price
$295,000
Delta
-12.23%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2538 Forest Dale Dr 0.05mi 4/2.5 (+1) 1,860 (-7%) 3mo $302,000 $162 76
2490 Fortune Dr 0.46mi 4/3.0 (+1) 2,031 (+2%) 2mo $375,000 $185 66
1914 William Glen St 0.41mi 3/2.5 1,883 (-6%) 6mo $425,000 $226 64
2516 Briar Valley Way 0.74mi 3/2.0 1,992 (-0%) 3mo $369,000 $185 63
490 Tanner Rd 0.38mi 3/2.0 1,821 (-9%) 6mo $389,000 $214 62
2612 Spring St 0.33mi 3/2.5 1,813 (-9%) 7mo $295,000 $163 62
2540 Fortune Dr 0.40mi 3/2.5 1,705 (-15%) 4mo $353,000 $207 51
450 Charlyne Way 0.60mi 4/3.0 (+1) 2,154 (+8%) 2mo $389,000 $181 48
2328 Argento Cir 0.73mi 4/2.0 (+1) 1,827 (-9%) 6mo $395,990 $217 42
2249 Argento Cir 0.75mi 4/3.0 (+1) 2,174 (+9%) 2mo $421,990 $194 40
2309 Argento Cir 0.70mi 4/2.5 (+1) 2,279 (+14%) 7mo $408,000 $179 31
2269 Argento Cir 0.73mi 4/2.5 (+1) 2,279 (+14%) 7mo $410,000 $180 30

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 · 4.06% rent growth · sell at horizon

5-year hold
IRR
-10.4%
Equity multiple
0.62×
Total profit
$-31,432
Equity at exit
$43,985
10-year hold
IRR
0.2%
Equity multiple
1.01×
Total profit
$950
Equity at exit
$25,506

Cash invested: $82,600 (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 30019

Rents YoY
4.1%
Active inventory
643
Price-to-rent
10.0×

Monthly cashflow live

Estimated rent
$2,453 high interval (Pro) →
Mortgage (P&I)
$1,547
Tax from tax record
$50 /mo · $601/yr
Insurance
$123
HOA
$0
Vacancy / Maint / Mgmt
$515
Net cashflow
$218

Break-even live

Break-even rent $2,177
Max offer price $295,000
Occupancy floor 86%

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
$73,750
Closing costs
$8,850
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 9 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2705 Dacula Cove Cir Dacula, GA 2.0 1.5 1752 $1,800 $1.03 22d 1 0.32mi
537 Eastside Dr Dacula, GA 3.0 2.0 1400 $2,199 $1.57 24d 1 0.48mi
2794 Misty Ct Dacula, GA 3.0 2.5 1497 $2,395 $1.60 3d 1 0.53mi
2768 Majestic Cir Dacula, GA 3.0 2.0 1530 $2,200 $1.44 24d 1 0.68mi
2517 Briar Valley Way Dacula, GA 3.0 2.0 1689 $700 $0.41 24d 1 0.76mi
2237 Alton Frank Way Dacula, GA 3.0 2.0 1588 $1,995 $1.26 44d 1 0.77mi
2230 Village Trail Ct Dacula, GA 4.0 2.5 2112 $2,300 $1.09 44d 1 1.26mi
2595 Freemans Walk Dr Dacula, GA 3.0 2.0 1735 $2,250 $1.30 24d 1 1.28mi
2441 Melton Common Dr Dacula, GA 4.0 3.0 2712 $2,600 $0.96 24d 1 1.31mi

Listing history 2 events

  1. 2026-05-10
    listed $295,000 New 188-char remark
    Show marketing remark (188 chars)

    Make an offer! This home is being sold as-is. It's an excellent opportunity for investors, or buyers looking to make this home their own. NO HOA, private wooded lot, established community.

  2. 2026-05-06
    listed $295,000 Active 194-char remark

ⓘ 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
$601 · $50/mo
Projected year-2 tax
$2,714 · $226/mo
Expected delta
+$2,113/yr (+$176/mo · 351.9%)

ⓘ 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 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 20% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$29,438
− Mortgage interest
−$16,525
− Property taxes
−$601
− Insurance
−$1,475
− Repairs & maintenance
−$2,355
− Management
−$2,355
− Depreciation
−$8,582
Taxable loss
−$2,454
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$589
After-tax cash flow
$3,205/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
Gwinnett County
NCES district ID
1302550
Math proficiency
39% ▼ -15.00%
Reading proficiency
43% ▼ -10.00%
Median HH income
$62,416
Composite
36.5/100
National rank
#4648
State rank
#32 of 174 in GA

Livability — Dacula

Score
65/100
State rank
#211
US rank
#12728

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Dacula, GA
County
Gwinnett County · 952,346 people
City population
51,162
Metro
Atlanta-Sandy Springs-Alpharetta, GA
Population (ZIP)
51,162
Household income
$116,583
Rent vs Own
16.1% rent · 83.9% own
Severe rent burden
630.0

Population outlook (Gwinnett County) Hauer SSP2

Today (2025)
1,106,028 people
By 2030
1,211,414 · +9.5%
By 2040
1,422,277 · +28.6%
By 2050
1,623,204 · +46.8%
By 2075
2,105,240 · +90.3%
By 2100
2,443,321 · +120.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.67)
Race & ethnicity
White 49% Black 27% Hispanic / Latino 13% Two or more races 10% Asian 6%
Hispanic origin (detail)
Mexican 5% Puerto Rican 2%
Common ancestry
Hispanic 3% Italian 2% Romanian 2%
Foreign-born
16% · Canada, Vietnam, Jamaica
Languages at home
78% English-only · Spanish 10% Other Indo-European 3% French/Haitian/Cajun 2%

Political lean MEDSL · Gwinnett

2024 margin
D (+16.5) · D 57.6% · R 41.1% · Other 1.2%
2008→2024 swing
+26.8pp toward D · 2008: -10.2pp · 2024: 16.5pp
All cycles
2024: D+16.5 2020: D+18.3 2016: D+5.8 2012: R+9.4 2008: R+10.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -155.48%
Current HPI
212.925
Rent YoY
▲ 4.06%
Metro
Atlanta-Sandy Springs-Alpharetta, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+0.0% since first listed
4 events — show timeline
  • 2026-05-20 Pending GAMLS
  • 2026-05-20 Pending FMLS
  • 2026-05-10 Listed $295,000 GAMLS
  • 2026-05-06 Listed $295,000 FMLS

Property tax history

+0.8%/yr

Latest (2025): $601 · +42.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…