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4300 W 9th St
D+ Composite 48.51
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 +15.6/30.0
  • ARV discount +12.2/15.0
  • DSCR +4.8/10.0
  • 1% rule +4.3/10.0
  • Condition / age +3.8/5.0
  • Rent growth +3.7/5.0
  • Livability +3.7/5.0
  • Schools +0.6/10.0
  • Appreciation +0.0/10.0

$135,000

4300 W 9th St · Little Rock, AR 72204
2 bd · 2.0 ba · 1,322 sqft · SingleFamily · 210 Days on market
Good condition 5,227 sqft lot $102/sqft · 10% below area Est $151k · 10% under ↓ 13% since listing

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

Listing remarks

Great opportunity in Little Rock featuring 2 bedrooms and 2 bathrooms with a flexible bonus room that could easily be converted into a primary suite, as the second bathroom is attached. This home offers two separate living areas and a dedicated dining room, providing plenty of space for everyday living and entertaining. Refrigerator conveys with the sale. For GPS purposes, use 4300 Maryland Ave, Little Rock, AR 72204 to navigate to the home.

Key facts

  • Flexible bonus room
  • 5,227 sq ft lot
  • 2 parking spots

Tags

FLEXIBLE BONUS ROOMTWO SEPARATE LIVING AREASDEDICATED DINING ROOMADDITIONAL LOT AVAILABLE

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath single-family listed at $135k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $56 ($671/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 $125k (7.3% below list).
  • Recommended offer: $119k (12.0% below list) — sets the bar for market timing.
  • Cap rate 6.8% vs local median 4.4% in Little Rock — 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 73/100 on livability (#22 in AR) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
  • Little Rock School District (urban): math 23% / reading 26% proficiency, ranked #183 of 238 in AR (top 77%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising fast (+4.9%/yr); 308 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 52d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 210 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.
Recommended offer $118,800 (12.0% below list)

Questions for the listing agent

  1. It's been on market 210 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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?
  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
0.93% ✗
Cap rate
6.79%
Cash-on-cash
1.77%
DSCR
1.08
GRM
9.0

CMA / ARV

ARV (median comp)
$150,769
List price
$135,000
Delta
-10.46%
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
4520 Weldon Ave 0.34mi 2/1.0 1,332 (+1%) 1mo $45,000 $34 78
3908 Tudor Dr 0.30mi 3/2.0 (+1) 1,360 (+3%) 2mo $164,000 $121 74
4500 Weldon Ave 0.33mi 2/2.0 1,248 (-6%) 6mo $176,000 $141 70
3306 Dartmouth Ct 0.43mi 3/2.0 (+1) 1,348 (+2%) 4mo $152,500 $113 68
3419 Malloy St 0.52mi 2/1.0 1,279 (-3%) 4mo $50,000 $39 64
4418 Holt St 0.39mi 3/2.0 (+1) 1,243 (-6%) 6mo $182,000 $146 62
3800 Elam St 0.32mi 2/1.0 1,236 (-6%) 10mo $92,500 $75 62
4422 Holt St 0.40mi 3/2.0 (+1) 1,243 (-6%) 9mo $182,000 $146 59
4412 Malloy St 0.47mi 3/2.0 (+1) 1,434 (+8%) 1mo $35,000 $24 58
3709 Foster St 0.22mi 3/1.0 (+1) 1,175 (-11%) 6mo $118,000 $100 58
4500 Ludwig 0.54mi 3/2.0 (+1) 1,148 (-13%) 11mo $145,000 $126 39
2807 Dorset Dr 0.69mi 3/2.0 (+1) 1,493 (+13%) 5mo $175,000 $117 37

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 · 4.91% rent growth · sell at horizon

5-year hold
IRR
-11.3%
Equity multiple
0.58×
Total profit
$-15,847
Equity at exit
$20,129
10-year hold
IRR
0.5%
Equity multiple
1.03×
Total profit
$1,320
Equity at exit
$11,672

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
92 Strongly Landlord-Friendly
State Arkansas
92 Strongly Landlord-Friendly · R+14
County
— inherits STATE
City
— inherits STATE
Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
12 active · 14 under contract
Months of supply
6.0 mo (17%/mo absorbed)
Median asking
$122,450 ($109/sqft)
Median days on market
92 d
This list price
67% of active listings are priced below it
ARV vs active asking
+4.5% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 72204

Home prices YoY
-21.5%
Rents YoY
4.9%
Active inventory
308
Price-to-rent
9.0×

Monthly cashflow live

Estimated rent
$1,252 high interval (Pro) →
Mortgage (P&I)
−$708
Tax est. 1.5%
−$169 /mo · $2,025/yr
Insurance
−$56
HOA
−$0
Vacancy / Maint / Mgmt
−$263
Net cashflow
$56

Break-even live

Break-even rent $1,181
Max offer price $135,000
Occupancy floor 91%

Sensitivity live

Price -10% $149 -5% $103 +0% $56 +5% $9 +10% $-37
Rent -10% $-43 -5% $6 +0% $56 +5% $105 +10% $155
Rate -1.0pp $124 -0.5pp $90 base $56 +0.5pp $21 +1.0pp $-15

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
$33,750
Closing costs
$4,050
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3724 Holt St Little Rock, AR 3.0 2.0 1200 $1,300 $1.08 164d 1 0.29mi
4112 Elam St Little Rock, AR 3.0 1.0 1188 $1,125 $0.95 108d 1 0.31mi
4112 Elam St Little Rock, AR 3.0 1.0 1188 $1,065 $0.90 10d 1 0.31mi
9115 W 36th St Little Rock, AR 3.0 1.0 936 $1,150 $1.23 51d 1 0.37mi
9105 W 36th St Little Rock, AR 3.0 2.0 1200 $1,295 $1.08 155d 1 0.40mi
4421 Malloy St Unit B Little Rock, AR 3.0 1.5 1250 $1,300 $1.04 164d 1 0.48mi
3405 Malloy St Little Rock, AR 3.0 2.0 1143 $1,150 $1.01 51d 1 0.55mi
9401 Courtney Cv Little Rock, AR 3.0 2.0 1500 $2,029 $1.35 164d 1 0.66mi
3215 Ludwig St Little Rock, AR 3.0 1.0 1100 $790 $0.72 10d 1 0.66mi
3205 Ludwig St Unit B Little Rock, AR 3.0 1.0 1100 $875 $0.80 51d 1 0.68mi
3205 Ludwig St Little Rock, AR 3.0 1.0 1000 $875 $0.88 10d 1 0.68mi
2823 Covenant Cv Little Rock, AR 3.0 2.0 1500 $2,029 $1.35 164d 1 0.69mi
8700 Colonel Glenn Rd #5 Little Rock, AR 1.0 1.0 950 $1,300 $1.37 184d 1 0.69mi
2900 Lehigh Dr Unit 2900 Little Rock, AR 3.0 2.0 1600 $2,029 $1.27 164d 1 0.74mi
9416 Covenant Ln Little Rock, AR 3.0 2.0 1550 $2,195 $1.42 10d 1 0.76mi
4206 Zion St Little Rock, AR 3.0 1.0 990 $1,090 $1.10 16d 1 0.81mi
4206 Zion St Little Rock, AR 3.0 1.0 990 $1,090 $1.10 24d 1 0.81mi
8612 Westwood Ave Little Rock, AR 2.0 1.0 1170 $1,200 $1.03 10d 1 0.98mi
8612 Westwood Ave Little Rock, AR 3.0 1.0 1170 $1,200 $1.03 6d 1 0.98mi
8612 Westwood Ave Little Rock, AR 2.0 1.0 1170 $1,200 $1.03 7d 1 0.98mi
2706 Longcoy St Little Rock, AR 3.0 2.0 1200 $1,225 $1.02 108d 1 0.98mi
8315 Westwood Ave Little Rock, AR 3.0 1.5 1372 $1,100 $0.80 10d 1 1.09mi
9122 Tanya Dr Unit A Little Rock, AR 2.0 2.0 1160 $925 $0.80 51d 1 1.10mi
3219 Potter St Little Rock, AR 3.0 1.0 976 $895 $0.92 184d 1 1.11mi
9012 Tanya Dr Little Rock, AR 2.0 1.5 1036 $1,045 $1.01 164d 1 1.12mi
9012 Tanya Dr Unit B Little Rock, AR 2.0 1.5 1036 $1,045 $1.01 51d 1 1.12mi
3112 Potter St Little Rock, AR 3.0 2.0 1820 $1,299 $0.71 51d 1 1.13mi
2200 Romine Rd Little Rock, AR 3.0 1.5 1278 $3,200 $2.50 10d 1 1.15mi
2118 Wilson Rd Unit B Little Rock, AR 3.0 2.0 1545 $1,545 $1.00 0d 1 1.19mi
3224 Wynne St Little Rock, AR 3.0 1.0 980 $995 $1.02 2d 1 1.21mi
2105 Perry St Unit A Little Rock, AR 3.0 2.5 1545 $1,545 $1.00 0d 1 1.21mi
2103 Perry St Unit A Little Rock, AR 3.0 2.5 1545 $1,545 $1.00 0d 1 1.21mi
8 Utica Ln Little Rock, AR 3.0 1.5 1006 $850 $0.84 184d 1 1.22mi
3208 Whitfield St Little Rock, AR 3.0 1.0 1030 $795 $0.77 108d 1 1.27mi
2013 Wilson Rd Unit B Little Rock, AR 3.0 2.5 1595 $1,595 $1.00 0d 1 1.27mi
2011 Wilson Rd Unit A Little Rock, AR 3.0 2.5 1595 $1,656 $1.04 108d 1 1.28mi
2619 Elkhart Dr Little Rock, AR 3.0 1.5 1172 $1,350 $1.15 108d 1 1.29mi
7800 W 32nd St Little Rock, AR 3.0 1.0 1325 $1,350 $1.02 16d 1 1.29mi
7800 W 32nd St Little Rock, AR 3.0 1.0 1325 $1,350 $1.02 10d 1 1.29mi
10001 W 20th St Unit A Little Rock, AR 3.0 2.5 1545 $1,545 $1.00 0d 1 1.29mi

Property features AI

Exterior

Parking
2-car parking
Utilities
Public sewerPublic waterMunicipal electric (Entergy)Natural gas
Home design
Single-family propertyApproximately 1,322 square feet
Construction
Composition roofCrawl space foundation
Exterior features
Brick and frame exteriorPaved road accessLevel lotInside city limits

Interior

Kitchen
Gas rangeRefrigerator included
Flooring
Vinyl flooringTile flooring
Bathrooms
2 full bathrooms
Heating & cooling
Central heat (gas)Central cooling (electric)
Interior features
Gas starter fireplaceVinyl and tile floors

Listing history 50 events

  1. 2026-11-08
    days on market $135,000 Active 210 DOM
  2. 2026-11-07
    days on market $135,000 Active 209 DOM
  3. 2026-11-06
    days on market $135,000 Active 208 DOM
  4. 2026-11-05
    days on market $135,000 Active 207 DOM
  5. 2026-11-04
    days on market $135,000 Active 206 DOM
  6. 2026-11-02
    days on market $135,000 Active 204 DOM
  7. 2026-11-01
    days on market $135,000 Active 203 DOM
  8. 2026-10-31
    days on market $135,000 Active 202 DOM
  9. 2026-10-30
    days on market $135,000 Active 201 DOM
  10. 2026-10-29
    days on market $135,000 Active 200 DOM
  11. 2026-10-28
    statusdays on market $135,000 Active 199 DOM
  12. 2026-10-27
    days on market $135,000 Back on Market 198 DOM
  13. 2026-10-26
    days on market $135,000 Back on Market 197 DOM
  14. 2026-10-25
    days on market $135,000 Back on Market 196 DOM
  15. 2026-10-24
    days on market $135,000 Back on Market 195 DOM
  16. 2026-10-23
    days on market $135,000 Back on Market 194 DOM
  17. 2026-10-22
    days on market $135,000 Back on Market 193 DOM
  18. 2026-10-21
    status $135,000 Back on Market 192 DOM
  19. 2026-10-21
    days on market $135,000 Take Backups 192 DOM
  20. 2026-10-20
    days on market $135,000 Take Backups 191 DOM
  21. 2026-10-19
    days on market $135,000 Take Backups 190 DOM
  22. 2026-10-18
    days on market $135,000 Take Backups 189 DOM
  23. 2026-10-17
    days on market $135,000 Take Backups 188 DOM
  24. 2026-10-16
    days on market $135,000 Take Backups 187 DOM
  25. 2026-10-15
    days on market $135,000 Take Backups 186 DOM
  26. 2026-10-14
    days on market $135,000 Take Backups 185 DOM
  27. 2026-10-13
    days on market $135,000 Take Backups 184 DOM
  28. 2026-10-12
    days on market $135,000 Take Backups 183 DOM
  29. 2026-10-11
    days on market $135,000 Take Backups 182 DOM
  30. 2026-10-10
    days on market $135,000 Take Backups 181 DOM
  31. 2026-10-09
    days on market $135,000 Take Backups 180 DOM
  32. 2026-10-08
    days on market $135,000 Take Backups 179 DOM
  33. 2026-10-07
    days on market $135,000 Take Backups 178 DOM
  34. 2026-10-06
    days on market $135,000 Take Backups 177 DOM
  35. 2026-10-05
    days on market $135,000 Take Backups 176 DOM
  36. 2026-10-04
    days on market $135,000 Take Backups 175 DOM
  37. 2026-10-04
    days on market $135,000 Take Backups 174 DOM
  38. 2026-10-02
    days on market $135,000 Take Backups 173 DOM
  39. 2026-10-01
    days on market $135,000 Take Backups 172 DOM
  40. 2026-09-30
    days on market $135,000 Take Backups 171 DOM
  41. 2026-09-29
    days on market $135,000 Take Backups 170 DOM
  42. 2026-09-28
    days on market $135,000 Take Backups 169 DOM
  43. 2026-09-27
    days on market $135,000 Take Backups 168 DOM
  44. 2026-09-25
    days on market $135,000 Take Backups 166 DOM
  45. 2026-09-24
    days on market $135,000 Take Backups 165 DOM
  46. 2026-09-23
    days on market $135,000 Take Backups 164 DOM
  47. 2026-09-22
    days on market $135,000 Take Backups 163 DOM
  48. 2026-09-21
    days on market $135,000 Take Backups 162 DOM
  49. 2026-09-20
    days on market $135,000 Take Backups 161 DOM
  50. 2026-09-19
    days on market $135,000 Take Backups 160 DOM

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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$15,020
− Mortgage interest
−$7,562
− Property taxes
−$2,025
− Insurance
−$675
− Repairs & maintenance
−$1,202
− Management
−$1,202
− Depreciation
−$3,927
Taxable loss
−$1,572
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$377
After-tax cash flow
$1,048/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.

Condition & rehab AI · 6 photos

Good 75/100 Cosmetic rehab Est. rehab $6,610–$19,830 screening

This home is in good condition with cosmetic updates needed for a fresh look. It offers a good investment opportunity with potential for both resale and rental value.

Value-add opportunities

  • Both Paint exterior trim — Enhances curb appeal and value ↑
  • Both Replace or clean gutters — Improves drainage and prevents water damage ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 6/100

Zoned Schools

High Little Rock Southwest High School F AR #286/292 Nat'l #16,852/17,239

Schools (NCES district)

District
Little Rock School District
NCES district ID
0509000
Math proficiency
23% ▼ -12.00%
Reading proficiency
26% ▼ -8.00%
Median HH income
$43,346
Composite
21.0/100
National rank
#8457
State rank
#183 of 238 in AR
B Composite livability gradescore 73/100

Livability — Little Rock

Score
73/100
State rank
#22
US rank
#5295

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Little Rock, AR
County
Pulaski County · 415,378 people
City population
218,896
Metro
Little Rock-North Little Rock-Conway, AR
Population (ZIP)
30,525
Household income
$40,882
Rent vs Own
41.5% rent · 58.5% own
Severe rent burden
14% of renters

Population outlook (Pulaski County) Hauer SSP2

Today (2025)
415,378 people
By 2030
423,720 · +2.0%
By 2040
435,182 · +4.8%
By 2050
440,904 · +6.1%
By 2075
445,521 · +7.3%
By 2100
419,173 · +0.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Black (66%)
Race & ethnicity
Black 66% White 18% Hispanic / Latino 12% Two or more races 6%
Hispanic origin (detail)
Mexican 9%
Languages at home
89% English-only · Spanish 9% Vietnamese 1%

Political lean MEDSL · Pulaski

2024 margin
Strong D (+22.1) · D 59.8% · R 37.7% · Other 2.5%
2008→2024 swing
+10.6pp toward D · 2008: 11.6pp · 2024: 22.1pp
All cycles
2024: D+22.1 2020: D+22.5 2016: D+17.9 2012: D+11.4 2008: D+11.6

Not yet ingested

Civics
—

Price history

-13.2% since first listed
2 events — show timeline
  • 2026-05-28 Price Changed $135,000 CARMLS
  • 2026-04-12 Listed $155,500 CARMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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