715 Lincoln Ave · Sebring, FL 33870

$75,900

2 bd · 2.0 ba · 636 sqft · Manufactured public records · 70 Days on market

Built 1986 3,680 sqft lot

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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
• Schools +3.6/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Income-producing 2-unit mobile home property in Sebring offering immediate cash flow and strong rental potential. The property features two separate 1 bed / 1 bath units. The front unit (380 sq ft) is currently rented for $750 per month with a lease in place through May 16, 2027, while the back unit (256 sq ft) is tenant-occupied at $650 per month with a lease in place through 09/23/2026. Property features include a 2022 roof, shared washer/dryer room, and a termite warranty. Rent includes utilities up to $150 per month. To avoid disturbing tenants, showings will be available once the property is under contract. Great opportunity for investors looking to add a stable income-producing proper

Key facts

• Immediate cash flow
• Income producing
• 2022 roof

Tags

• INCOME PRODUCING
• STRONG RENTAL POTENTIAL
• IMMEDIATE CASH FLOW
• 2022 ROOF

Property features AI

Finance

• Other: Property type: Residential Income
• Financial info: Unit 1 rent: $750; Unit 2 rent: $650

Exterior

• Utilities: Public water; No sewer service listed
• Home design: One story; Residential income property; Zoning: b4
• Construction: Shingle roof; Construction materials: see remarks
• Exterior features: Paved road frontage; 40 ft frontage

Interior

• Bedrooms: Unit 1: 1 bedroom; Unit 2: 1 bedroom
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms (total); Unit 1: 1 bathroom; Unit 2: 1 bathroom
• Heating & cooling: Wall furnace; Wall-mounted cooling unit(s)
• Interior features: Vinyl flooring; Wall furnace heating; Wall unit cooling

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $76k.

Deal economics

• At list price, monthly cash flow is $392 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $76k).
• Recommended offer: $71k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.5% vs local median 4.3% in Sebring — 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 66/100 on livability (#618 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools D, amenities F, commute F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.3%/yr); 475 active listings in the ZIP; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $525 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($71k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 5y ago; this cycle's ask has dropped $9k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $14k; list at $76k implies a 423% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $71,346 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% 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. 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?
5. 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.
6. 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.
7. 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: 1.59% ✓
• Cap rate: 12.49%
• Cash-on-cash: 22.14%
• DSCR: 1.98
• GRM: 5.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 11.3%
• Equity multiple: 1.43×
• Total profit: $9,173
• Equity at exit: $11,317

10-year hold

• IRR: 17.7%
• Equity multiple: 2.25×
• Total profit: $26,636
• Equity at exit: $6,562

Cash invested: $21,252 (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 33870

• Home prices YoY: -20.0%
• Rents YoY: -0.3%
• Active inventory: 475
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,207 medium
• Mortgage (P&I): −$398
• Tax from tax record: −$132 /mo · $1,581/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$253
• Net cashflow: $392

Break-even live

Break-even rent $711

Max offer price $75,900

Occupancy floor 63%

Sensitivity live

Price	-10% $435	-5% $414	+0% $392	+5% $371	+10% $349
Rent	-10% $297	-5% $344	+0% $392	+5% $440	+10% $487
Rate	-1.0pp $430	-0.5pp $411	base $392	+0.5pp $372	+1.0pp $352

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: $18,975
• Closing costs: $2,277
• Reserves months: —
• Total cash needed: —

Listing history 35 events

1. 2026-06-19
   days on market $75,900 Active 70 DOM
2. 2026-06-18
   days on market $75,900 Active 69 DOM
3. 2026-06-17
   days on market $75,900 Active 68 DOM
4. 2026-06-16
   days on market $75,900 Active 67 DOM
5. 2026-06-15
   days on market $75,900 Active 66 DOM
6. 2026-06-14
   days on market $75,900 Active 64 DOM
7. 2026-06-10
   days on market $75,900 Active 61 DOM
8. 2026-06-09
   days on market $75,900 Active 60 DOM
9. 2026-06-08
   days on market $75,900 Active 59 DOM
10. 2026-06-07
    days on market $75,900 Active 58 DOM
11. 2026-06-02
    days on market $75,900 Active 53 DOM
12. 2026-06-01
    days on market $75,900 Active 52 DOM
13. 2026-05-31
    days on market $75,900 Active 51 DOM
14. 2026-05-30
    days on market $75,900 Active 50 DOM
15. 2026-04-28
    price $75,900
16. 2026-04-10
    listed $85,000 Active
17. 2025-03-02
    status Pending
18. 2025-02-19
    historical
19. 2025-02-15
    price $75,900
20. 2025-02-11
    price $77,500
21. 2025-01-31
    price $79,900
22. 2025-01-25
    price $82,900
23. 2025-01-10
    price $87,500
24. 2024-12-13
    price $95,000
25. 2024-11-23
    price $100,000
26. 2024-11-05
    listed $109,900 Active
27. 2024-01-24
    price $99,999
28. 2023-12-12
    price $105,000
29. 2023-09-16
    price $109,999
30. 2023-08-18
    listed $115,000 Active
31. 2022-12-10
    historical
32. 2022-06-13
    listed $99,999 Active
33. 2022-05-26
    soldstatus $14,500
34. 2022-05-26
    soldstatus $18,500
35. 2021-12-01
    listed $20,000

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,581 · $132/mo
• Projected year-2 tax: $1,581 · $132/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,483
• − Mortgage interest: −$4,252
• − Property taxes: −$1,581
• − Insurance: −$380
• − Repairs & maintenance: −$1,159
• − Management: −$1,159
• − Depreciation: −$2,208
• Taxable income: $3,745
• Est. tax owed @ 24.0%: −$899
• After-tax cash flow: $3,805/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Sebring

• Score: 66/100
• State rank: #618
• US rank: #11992

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sebring, FL
• County: Highlands County · 98,898 people
• City population: 50,797
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 25,195
• Household income: $49,942
• Rent vs Own: 31.3% rent · 68.7% own
• Severe rent burden: 994.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Hispanic / Latino 22% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 7% Cuban 5%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 10% · Canada, Jamaica, China
• Languages at home: 80% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.68%
• Current HPI: 273.9861
• Rent YoY: ▼ -0.29%
• Metro: Sebring-Avon Park, 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

Price history

+279.5% since first listed

21 events — show timeline

• 2026-04-28 Price Changed $75,900 HAOR as distributed by MLS GRID
• 2026-04-10 Listed $85,000 HAOR as distributed by MLS GRID
• 2025-03-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-02-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-02-15 Price Changed $75,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-11 Price Changed $77,500 Stellar MLS as Distributed by MLS Grid
• 2025-01-31 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-25 Price Changed $82,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-10 Price Changed $87,500 Stellar MLS as Distributed by MLS Grid
• 2024-12-13 Price Changed $95,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-23 Price Changed $100,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-05 Listed $109,900 Stellar MLS as Distributed by MLS Grid
• 2024-01-24 Price Changed $99,999 HAOR as distributed by MLS GRID
• 2023-12-12 Price Changed $105,000 HAOR as distributed by MLS GRID
• 2023-09-16 Price Changed $109,999 HAOR as distributed by MLS GRID
• 2023-08-18 Listed $115,000 HAOR as distributed by MLS GRID
• 2022-12-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-06-13 Listed $99,999 Stellar MLS as Distributed by MLS Grid
• 2022-05-26 Sold (Public Records) $18,500 Public Records
• 2022-05-26 Sold (MLS) $14,500 HAOR as distributed by MLS GRID
• 2021-12-01 Listed $20,000 HAOR as distributed by MLS GRID

Property tax history

+14.6%/yr

Latest (2025): $1,581 · -2.6% YoY. Source: county tax records.