CashFlowRE
Sign in Sign up
2447 Donna Dr
B- Composite 66.29
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
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • ARV discount +7.5/15.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +0.6/10.0
  • Appreciation +0.0/10.0

$90,000

2447 Donna Dr · Sauget, IL 62206
5 bd · 2.0 ba · 1,344 sqft · SingleFamily public records · 51 Days on market
Built 1956 $67/sqft · 57% above area

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

Listing remarks MLS

Spacious 5-bedroom, 2-bath home with a full basement and a large yard. Located near schools. Sold as-is and priced with repairs in mind — perfect for buyers looking to add some TLC and build equity.

Key facts

  • Built 1956
  • Listed 51 days

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 5-bed/2.0-bath single-family listed at $90k.

Deal economics

  • At list price, monthly cash flow is $860 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $90k).
  • Recommended offer: $87k (3.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 63/100 on livability (#774 in IL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
  • Cahokia CUSD 187 (suburban): math 3% / reading 5% proficiency, ranked #864 of 919 in IL (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 85% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 152 active listings in the ZIP; 1 comparable units currently listed for rent nearby; lower-income renter base — watch delinquency; 783 units permitted in St. Clair County in 2024 (378 in 5+ unit buildings).
  • At $1,876/mo this rent would consume 67% of the median local household income ($34k/yr) (locally 729% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • St. Clair County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 51 days — a 3% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts; this cycle's ask is 38% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

  • Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $87,300 (3.0% below list)

Questions for the listing agent

  1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. 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.
  7. 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.
  8. 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
2.08%
Cap rate
17.76%
Cash-on-cash
40.96%
DSCR
2.82
GRM
4.0

CMA / ARV

ARV (median comp)
$45,468
List price
$90,000
Delta
97.94%
Verdict
OVERPRICED
Comps
2 within 1.0 mi
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
30 Delores Dr 0.68mi 4/1.0 (-1) 1,464 (+9%) 16mo $14,900 $10 31

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
37.5%
Equity multiple
2.60×
Total profit
$40,223
Equity at exit
$13,419
10-year hold
IRR
44.0%
Equity multiple
5.19×
Total profit
$105,676
Equity at exit
$7,782

Cash invested: $25,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
43 Moderately Tenant-Leaning
State Illinois
43 Moderately Tenant-Leaning · D+7
County
— inherits STATE
City
— inherits STATE
Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

ZIP-level market 62206

Home prices YoY
-20.2%
Active inventory
152
Price-to-rent
4.0×

Monthly cashflow live

Estimated rent
$1,876 medium interval (Pro) →
Mortgage (P&I)
$472
Tax est. 1.5%
$112 /mo · $1,350/yr
Insurance
$38
HOA
$0
Vacancy / Maint / Mgmt
$394
Net cashflow
$860

Break-even live

Break-even rent $787
Max offer price $90,000
Occupancy floor 49%

Sensitivity live

Price -10% $922 -5% $891 +0% $860 +5% $829 +10% $798
Rent -10% $712 -5% $786 +0% $860 +5% $934 +10% $1,008
Rate -1.0pp $905 -0.5pp $883 base $860 +0.5pp $837 +1.0pp $813

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
$22,500
Closing costs
$2,700
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 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
32 Drexel Dr East Saint Louis, IL 4.0 1.0 1362 $1,675 $1.23 17d 1 1.14mi

Listing history 30 events

  1. 2026-06-21
    days on market $90,000 Active 51 DOM
  2. 2026-06-18
    days on market $90,000 Active 48 DOM
  3. 2026-06-17
    days on market $90,000 Active 47 DOM
  4. 2026-06-16
    days on market $90,000 Active 46 DOM
  5. 2026-06-15
    days on market $90,000 Active 45 DOM
  6. 2026-06-13
    days on market $90,000 Active 43 DOM
  7. 2026-06-13
    days on market $90,000 Active 42 DOM
  8. 2026-06-09
    days on market $90,000 Active 39 DOM
  9. 2026-06-08
    days on market $90,000 Active 38 DOM
  10. 2026-06-07
    days on market $90,000 Active 37 DOM
  11. 2026-06-05
    days on market $90,000 Active 34 DOM
  12. 2026-06-03
    days on market $90,000 Active 33 DOM
  13. 2026-06-02
    days on market $90,000 Active 32 DOM
  14. 2026-06-01
    days on market $90,000 Active 31 DOM
  15. 2026-05-31
    days on market $90,000 Active 30 DOM
  16. 2026-05-13
    price $85,000 217-char remark
    Show marketing remark (217 chars)

    Spacious 5-bedroom, 2-bath home with a full basement and a large yard. Located near schools. Sold as-is and priced with repairs in mind — perfect for buyers looking to add some TLC and build equity.

  17. 2026-05-12
    listed $65,000 Active 217-char remark
    Show marketing remark (217 chars)

    Spacious 5-bedroom, 2-bath home with a full basement and a large yard. Located near schools. Sold as-is and priced with repairs in mind — perfect for buyers looking to add some TLC and build equity.

  18. 2026-04-27
    listed $90,000 Active 204-char remark
  19. 2025-10-14
    soldstatus Closed
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  20. 2025-10-05
    status Pending
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  21. 2025-10-04
    price $29,900
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  22. 2025-09-08
    status Active
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  23. 2025-07-03
    status Active
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  24. 2025-07-03
    price $39,900
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  25. 2025-06-25
    historical Active Under Contract
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  26. 2025-04-06
    status Active
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  27. 2025-04-03
    status Pending
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  28. 2025-03-27
    status Active
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  29. 2025-03-13
    historical Active Under Contract
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

  30. 2025-03-07
    listed $44,900 Active
    Show marketing remark (556 chars)

    Plenty of potential in this 5 bed/2 bath home. Inside you will find the living room, large eat-in kitchen, generously sized bedrooms, and 2 full baths. Off the kitchen is access to the laundry area which leads to the exterior door for the carport or you can head down to the full unfinished basement with plenty of storage space. Sitting on a .33 lot with a shed for additional storage. Property is being sold AS IS, sellers to offer no clean out, warranties, repairs, or inspections, including occupancy. Price adjustment due to flat roof over 2 bedrooms.

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

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (shaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 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
$22,512
− Mortgage interest
−$5,041
− Property taxes
−$1,350
− Insurance
−$450
− Repairs & maintenance
−$1,801
− Management
−$1,801
− Depreciation
−$2,618
Taxable income
$9,450
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,268
After-tax cash flow
$8,053/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
Cahokia CUSD 187
NCES district ID
1708040
Math proficiency
3% ▼ -2.00%
Reading proficiency
5% ▬ 0.00%
Median HH income
$28,028
Composite
6.44/100
National rank
#14827
State rank
#864 of 919 in IL

Livability — Sauget

Score
63/100
State rank
#774
US rank
#15488

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Saint Clair County · 169,691 people
Metro
St. Louis, MO-IL
Population (ZIP)
12,959
Household income
$33,838
Rent vs Own
44.5% rent · 55.5% own
Severe rent burden
729.0

Population outlook (St. Clair County) Hauer SSP2

Today (2025)
250,366 people
By 2030
240,511 · -3.9%
By 2040
217,391 · -13.2%
By 2050
192,699 · -23.0%
By 2075
140,637 · -43.8%
By 2100
100,499 · -59.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
Black 59% White 29% Two or more races 6% Hispanic / Latino 3% Asian 2%
Common ancestry
Romanian 2% Lithuanian 1% Iranian 1%
Foreign-born
2% · China
Languages at home
95% English-only · Spanish 3% Other Indo-European 1% Chinese 1%

Political lean MEDSL · St. Clair

2024 margin
Lean D (+7.9) · D 53.0% · R 45.1% · Other 1.8%
2008→2024 swing
-14.6pp toward R · 2008: 22.4pp · 2024: 7.9pp
All cycles
2024: D+7.9 2020: D+8.7 2016: D+5.6 2012: D+14.5 2008: D+22.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -33.26%
Current HPI
131.5144
Rent YoY
Metro
St. Louis, MO-IL
State GDP YoY
▲ 1.59%
F500 in state
60

Industry mix (Fortune 500 HQ in IL)

Industry F500 HQs Revenue

Price history

+89.3% since first listed
15 events — show timeline
  • 2026-05-13 Price Changed $85,000 FSBO.com
  • 2026-05-12 Listed $65,000 FSBO.com
  • 2026-04-27 Listed $90,000 Fizber.com
  • 2025-10-14 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2025-10-05 Pending MARIS as Distributed by MLS Grid
  • 2025-10-04 Price Changed $29,900 MARIS as Distributed by MLS Grid
  • 2025-09-08 Relisted MARIS as Distributed by MLS Grid
  • 2025-07-03 Relisted MARIS as Distributed by MLS Grid
  • 2025-07-03 Price Changed $39,900 MARIS as Distributed by MLS Grid
  • 2025-06-25 Contingent MARIS as Distributed by MLS Grid
  • 2025-04-06 Relisted MARIS as Distributed by MLS Grid
  • 2025-04-03 Pending MARIS as Distributed by MLS Grid
  • 2025-03-27 Relisted MARIS as Distributed by MLS Grid
  • 2025-03-13 Contingent MARIS as Distributed by MLS Grid
  • 2025-03-07 Listed $44,900 MARIS as Distributed by MLS Grid

Property tax history

+7.0%/yr

Latest (2024): $34 · +109.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…