7915 103rd St #140 · Jacksonville, FL 32210

$44,100

3 bd · 2.0 ba · 1,056 sqft · Manufactured · 39 Days on market

Built 2026 Good condition

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +3.8/5.0
• Rent growth +3.0/5.0
• Appreciation +0.0/10.0

Listing remarks

* THIS IS A RESALE LISTING * This welcoming, well-maintained 3 bedroom, 2 bathroom home is a perfect place to raise your family. For your convenience, we have onsite community management to assist you when you need it. With our family-friendly community amenities such as a clubhouse, a picnic area / pavilion / grill, and a playground, your family will be excited to live here. This home won't be on the market long, so call us today for more information or to schedule a tour. Deposits & Fees are subject to change.

Key facts

• Picnic area
• Clubhouse
• Playground

Tags

• CLUBHOUSE
• PICNIC AREA
• PLAYGROUND

Property features AI

Finance

• Other: Address: 7915 103rd St #140, Jacksonville, FL 32210; Status: Active
• Financial info: List price $43,600

Exterior

• Utilities: Electric service; Central air conditioning
• Home design: Condominium / Attached unit; Spec plan (Plan 92423)
• Construction: Living area approximately 1056

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: 2 bathrooms; 3 bedrooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $44k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $798 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $44k).
• Recommended offer: $43k (3.0% below list) — sets the bar for market timing.
• Cap rate 28.0% vs local median 3.9% in Jacksonville — 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 83/100 on livability (#50 in FL, #911 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Duval (urban): math 46% / reading 45% proficiency, ranked #48 of 73 in FL (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.1%/yr); 443 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $305 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.1% rent growth), your $12k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($43k) is reasonable based on typical stale-listing flexibility.

Recommended offer $42,777 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 3.17% ✓
• Cap rate: 28.02%
• Cash-on-cash: 77.60%
• DSCR: 4.45
• GRM: 2.6

CMA / ARV

• ARV (on-the-fly): $124,608
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8145 Maple St	0.47mi	3/2.0	1,152 (+9%)	4mo	$160,000	$139	60
8252 Buttercup St	0.46mi	2/2.0 (-1)	924 (-12%)	2mo	$48,000	$52	51
8350 Osteen St	0.57mi	2/2.0 (-1)	1,152 (+9%)	11mo	$135,395	$118	44

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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: 76.6%
• Equity multiple: 4.44×
• Total profit: $42,492
• Equity at exit: $6,575

10-year hold

• IRR: 80.0%
• Equity multiple: 8.90×
• Total profit: $97,576
• Equity at exit: $3,813

Cash invested: $12,348 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32210

• Rents YoY: 2.1%
• Active inventory: 443
• Price-to-rent: 2.6×

Monthly cashflow live

• Estimated rent: $1,397 high
• Mortgage (P&I): −$231
• Tax est. 1.5%: −$55 /mo · $662/yr
• Insurance: −$18
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $798

Break-even live

Break-even rent $386

Max offer price $44,100

Occupancy floor 38%

Sensitivity live

Price	-10% $829	-5% $814	+0% $798	+5% $783	+10% $768
Rent	-10% $688	-5% $743	+0% $798	+5% $854	+10% $909
Rate	-1.0pp $821	-0.5pp $810	base $798	+0.5pp $787	+1.0pp $775

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: $11,025
• Closing costs: $1,323
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5150 Playpen Dr #4 Jacksonville, FL	2.0	2.0	1118	$1,200	$1.07	22d	1	0.07mi
5150 Playpen Dr Unit 2-1 Jacksonville, FL	3.0	2.0	1157	$1,225	$1.06	5d	1	0.07mi
4807 Playpen Dr Jacksonville, FL	2.0	2.5	1204	$1,322	$1.10	4d	1	0.19mi
7880 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,495	$1.12	17d	1	0.20mi
7840 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,398	$1.04	15d	1	0.22mi
5224 Westchase Ct #3 Jacksonville, FL	2.0	1.0	776	$896	$1.15	20d	1	0.24mi
5144 Westchase Ct Unit 1 Jacksonville, FL	2.0	1.0	750	$800	$1.07	24d	1	0.24mi
5136 Westchase Ct Unit 2 Jacksonville, FL	2.0	1.0	729	$950	$1.30	24d	1	0.25mi
7800 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,361	$1.02	15d	1	0.25mi
5324 Westchase Ct Jacksonville, FL	2.0	1.0	729	$995	$1.36	5d	1	0.25mi
7796 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,375	$1.03	24d	1	0.25mi
8050 103rd St Jacksonville, FL	1.0–3.0	1.0–2.0	1025	$1,575	$1.54	2d	11	0.25mi
5332 Westchase Ct Unit 1 Jacksonville, FL	2.0	1.0	900	$1,450	$1.61	15d	1	0.25mi
5120 Westchase Ct #1 Jacksonville, FL	2.0	1.5	729	$945	$1.30	24d	1	0.25mi
5018 Westchase Ct Unit 3 Jacksonville, FL	2.0	1.0	729	$995	$1.36	24d	1	0.27mi
4706 Playpen Dr Jacksonville, FL	2.0	2.5	1330	$1,321	$0.99	8d	1	0.27mi
5147 Westchase Ct Apt 1 Jacksonville, FL	2.0	1.0	729	$950	$1.30	24d	1	0.29mi
5327 Westchase Ct Unit 2 Jacksonville, FL	2.0	1.0	728	$1,150	$1.58	15d	1	0.29mi
7911 Melvin Rd Jacksonville, FL	3.0	2.5	1471	$1,740	$1.18	2d	1	0.29mi
5035 Westchase Ct Apt 2 Jacksonville, FL	2.0	1.0	800	$1,195	$1.49	8d	1	0.29mi
7887 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,600	$1.39	24d	1	0.31mi
7765 Highchair Ln Jacksonville, FL	2.0	2.5	1204	$1,375	$1.14	15d	1	0.32mi
7875 Melvin Rd Jacksonville, FL	3.0	2.5	1464	$1,650	$1.13	5d	1	0.32mi
5128 Indian Lakes Ct Jacksonville, FL	2.0	2.0	926	$995	$1.07	13d	1	0.32mi
7818 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,400	$1.21	4d	1	0.33mi
7806 Melvin Rd Jacksonville, FL	2.0	2.5	1200	$1,395	$1.16	17d	1	0.34mi
7806 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,295	$1.12	8d	1	0.34mi
5143 Indian Lakes Ct Jacksonville, FL	2.0	2.0	920	$995	$1.08	13d	1	0.36mi
7901 Austin Rd Jacksonville, FL	3.0	2.0	1268	$1,815	$1.43	24d	1	0.38mi
7707 Falcon St Jacksonville, FL	4.0	2.0	1300	$2,000	$1.54	18d	1	0.39mi
5122 Ricker Rd Unit 2 Jacksonville, FL	2.0	2.0	926	$995	$1.07	24d	1	0.40mi
8148 Metto Rd Jacksonville, FL	3.0	2.0	1209	$1,576	$1.30	4d	1	0.40mi
7948 Austin Rd Jacksonville, FL	3.0	2.0	1335	$1,775	$1.33	5d	1	0.41mi
7607 Indian Lakes Dr #1 Jacksonville, FL	2.0	2.0	926	$986	$1.06	17d	1	0.41mi
7947 Renault Dr Jacksonville, FL	3.0	2.0	1285	$1,500	$1.17	18d	1	0.43mi
7978 Renault Dr Jacksonville, FL	3.0	2.0	1080	$1,850	$1.71	24d	1	0.47mi
5521 Ricker Rd Jacksonville, FL	1.0–2.0	1.0	700	$1,200	$1.71	5d	13	0.52mi
7559 Proxima Rd Jacksonville, FL	3.0	2.0	1308	$1,499	$1.15	24d	1	0.56mi
7665 Jana Ln S Jacksonville, FL	3.0	2.0	1193	$1,400	$1.17	24d	1	0.58mi
8402 McGirts Village Ln Unit 7E Jacksonville, FL	2.0	2.5	1319	$1,198	$0.91	8d	1	0.61mi

Listing history 11 events

1. 2026-06-21
   days on market $44,100 Active 39 DOM
2. 2026-06-18
   days on market $44,100 Active 36 DOM
3. 2026-06-17
   days on market $44,100 Active 35 DOM
4. 2026-06-16
   days on market $44,100 Active 34 DOM
5. 2026-06-15
   days on market $44,100 Active 33 DOM
6. 2026-06-10
   days on market $44,100 Active 27 DOM
7. 2026-06-08
   days on market $44,100 Active 26 DOM
8. 2026-06-03
   days on market $44,100 Active 21 DOM
9. 2026-06-02
   days on market $44,100 Active 20 DOM
10. 2026-06-01
    pricedays on market $44,100 Active 19 DOM
11. 2026-05-31
    days on market $43,600 Active 18 DOM

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

Taxation est. · year 1

• Rental income: $16,758
• − Mortgage interest: −$2,470
• − Property taxes: −$662
• − Insurance: −$220
• − Repairs & maintenance: −$1,341
• − Management: −$1,341
• − Depreciation: −$1,283
• Taxable income: $9,442
• Est. tax owed @ 24.0%: −$2,266
• After-tax cash flow: $7,316/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 · 1 photo

Good 75/100 Cosmetic rehab

This well-maintained 3-bedroom, 2-bathroom home is ready for a new owner. It features a good exterior, clean interior, and a family-friendly community with amenities like a clubhouse and playground.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can improve the home's curb appeal and attract more potential buyers or renters.
• Both New flooring in high-traffic areas — Fresh flooring can improve the home's appearance and add value for both resale and rental.
• Both Kitchen and bathroom updates — Modernizing the kitchen and bathrooms can increase the home's appeal and value for both resale and rental.
• Both HVAC maintenance or replacement — A well-maintained HVAC system can improve comfort and energy efficiency, attracting more buyers and renters.
• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve the home's curb appeal and attract more potential buyers or renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can improve the home's curb appeal and attract more potential buyers or renters. ↑
• Both New flooring in high-traffic areas — Fresh flooring can improve the home's appearance and add value for both resale and rental. ↑
• Both Kitchen and bathroom updates — Modernizing the kitchen and bathrooms can increase the home's appeal and value for both resale and rental. ↑
• Both HVAC maintenance or replacement — A well-maintained HVAC system can improve comfort and energy efficiency, attracting more buyers and renters. ↑
• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve the home's curb appeal and attract more potential buyers or renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Duval
• NCES district ID: 1200480
• Math proficiency: 46% ▼ -11.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $48,987
• Composite: 38.97/100
• National rank: #4076
• State rank: #48 of 73 in FL

Livability — Jacksonville

• Score: 83/100
• State rank: #50
• US rank: #911

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, FL
• County: Duval County · 1,015,274 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

Population outlook (Duval County) Hauer SSP2

• Today (2025): 1,013,010 people
• By 2030: 1,059,228 · +4.6%
• By 2040: 1,141,439 · +12.7%
• By 2050: 1,205,258 · +19.0%
• By 2075: 1,324,282 · +30.7%
• By 2100: 1,319,620 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% Tagalog/Filipino 1%

Political lean MEDSL · Duval

• 2024 margin: Toss-up / Even · D 48.7% · R 50.1% · Other 1.2%
• 2008→2024 swing: +0.4pp no change · 2008: -1.9pp · 2024: -1.5pp
• All cycles: 2024: R+1.5 2020: D+3.8 2016: R+1.5 2012: R+3.6 2008: R+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B