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C Composite 57.62
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 +21.8/30.0
  • 1% rule +10.0/10.0
  • ARV discount +7.5/15.0
  • DSCR +7.0/10.0
  • Livability +3.8/5.0
  • Schools +2.6/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$105,000

5075 W 4700 St S #117 · West Valley City, UT 84118
4 bd · 2.0 ba · 2,000 sqft · Manufactured · 102 Days on market
Built 2000 435 sqft lot $1100/mo HOA · 44% of rent

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

Listing remarks MLS

There are no remarks available.

Key facts

  • 2 parking spots
  • Built 2000
  • Listed 101 days

Property features AI

Finance

  • Other: Above-grade finished area approximately 2000
  • HOA & community: Homeowners association with monthly fee; Association fee $1,100 monthly; Association allows pets with rules; Picnic area in community; Subdivision: SHADOW RIDGE

Exterior

  • Parking: Uncovered parking; Carport (2 spaces); 2 covered parking spaces total; 2 total parking spaces
  • Utilities: Natural gas connected; Electricity connected; Sewer connected; Culinary (municipal) water
  • Home design: Mobile (manufactured) home; Single-level living; Built/standing (effective year 2020); Residential zoning
  • Construction: Aluminum exterior; Asbestos shingle roof; Built/standing condition; Effective year built 2020
  • Exterior features: Open porch; Automatic partial sprinkler system; Landscaping: full; Flat terrain

Interior

  • Kitchen: Gas range
  • Bedrooms: 4 bedrooms (main level)
  • Flooring: Carpet; Laminate; Tile
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Forced air heating; Gas central heating; Hot water heating
  • Interior features: Primary bathroom; Walk-in closet; Gas range; Blinds on windows
  • Laundry & utility: No basement

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 4-bed/2.0-bath manufactured listed at $105k.

Deal economics

  • At list price, monthly cash flow is $163 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $105k).
  • Recommended offer: $96k (9.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 76/100 on livability (#55 in UT, #3,285 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, employment A-; Watch: crime D-, amenities F, health & safety D-.
  • Granite District (suburban): math 26% / reading 32% proficiency, ranked #69 of 80 in UT (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: West Kearns School (math 21% / reading 24%, grade F, #505 of 585 statewide, top 87%, 578 students, 76% FRL); West Lake Jr High (math 14% / reading 22%, grade F, #132 of 138 statewide, top 96%, 701 students, 73% FRL); Granger High (math 7% / reading 22%, grade F, #167 of 171 statewide, top 98%, 3,481 students, 63% FRL) — zoned schools average 71% FRL vs 45% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 118 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 4,970 units permitted in Salt Lake County in 2024 (1,963 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($91k/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 $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Salt Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 102 days — a 9% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 6y ago; this cycle's ask has dropped $17k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: HOA is 44% of rent.
Recommended offer $95,550 (9.0% below list)

Questions for the listing agent

  1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. Crime grade is D 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?
  7. 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.
  8. 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.
  9. 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
2.40%
Cap rate
8.15%
Cash-on-cash
6.64%
DSCR
1.30
GRM
3.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
-5.4%
Equity multiple
0.80×
Total profit
$-5,937
Equity at exit
$15,656
10-year hold
IRR
5.0%
Equity multiple
1.38×
Total profit
$11,076
Equity at exit
$9,078

Cash invested: $29,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
86 Strongly Landlord-Friendly
State Utah
86 Strongly Landlord-Friendly · R+15
County
— inherits STATE
City
— inherits STATE
3-day notice; preempted; landlord-favorable.

ZIP-level market 84118

Active inventory
118
Price-to-rent
3.5×

Monthly cashflow live

Estimated rent
$2,517 medium interval (Pro) →
Mortgage (P&I)
$551
Tax est. 1.5%
$131 /mo · $1,575/yr
Insurance
$44
HOA
$1,100
Vacancy / Maint / Mgmt
$529
Net cashflow
$163

Break-even live

Break-even rent $2,311
Max offer price $105,000
Occupancy floor 89%

Sensitivity live

Price -10% $235 -5% $199 +0% $163 +5% $126 +10% $90
Rent -10% $-36 -5% $63 +0% $163 +5% $262 +10% $362
Rate -1.0pp $216 -0.5pp $189 base $163 +0.5pp $136 +1.0pp $108

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
$26,250
Closing costs
$3,150
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
3600 S Orion Cir West Valley City, UT 1.0–3.0 1.0–1.5 1075 $2,009 $1.87 24d 1 1.31mi

HOA detail

Monthly dues
$1,100 · $13,200/yr

Listing history 18 events

  1. 2026-06-17
    days on market $105,000 Active 102 DOM
  2. 2026-06-16
    days on market $105,000 Active 101 DOM
  3. 2026-06-15
    days on market $105,000 Active 100 DOM
  4. 2026-06-13
    days on market $105,000 Active 98 DOM
  5. 2026-06-09
    days on market $105,000 Active 94 DOM
  6. 2026-06-08
    days on market $105,000 Active 93 DOM
  7. 2026-06-07
    days on market $105,000 Active 92 DOM
  8. 2026-06-03
    days on market $105,000 Active 88 DOM
  9. 2026-06-02
    days on market $105,000 Active 87 DOM
  10. 2026-06-01
    days on market $105,000 Active 86 DOM
  11. 2026-05-31
    days on market $105,000 Active 85 DOM
  12. 2026-04-28
    price $105,000
  13. 2026-03-07
    listed $122,000 Active
  14. 2021-01-28
    status Under Contract 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  15. 2021-01-21
    status Active 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  16. 2021-01-11
    status Under Contract 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  17. 2020-12-29
    status Under Contract 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  18. 2020-10-26
    listed $85,000 Active 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

ⓘ 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 (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 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

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Taxation est. · year 1

Rental income
$30,203
− Mortgage interest
−$5,882
− Property taxes
−$1,575
− Insurance
−$525
− Repairs & maintenance
−$2,416
− Management
−$2,416
− HOA
−$13,200
− Depreciation
−$3,055
Taxable income
$1,134
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$272
After-tax cash flow
$1,680/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
Granite District
NCES district ID
4900360
Math proficiency
26% ▼ -8.00%
Reading proficiency
32% ▼ -3.00%
Median HH income
$55,971
Composite
25.93/100
National rank
#7336
State rank
#69 of 80 in UT

Livability — West Valley City

Score
76/100
State rank
#55
US rank
#3285

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
West Valley City, UT
County
Salt Lake County · 1,195,750 people
City population
132,995
Metro
Salt Lake City, UT
Population (ZIP)
42,853
Household income
$90,562
Rent vs Own
15.7% rent · 84.3% own
Severe rent burden
361.0

Population outlook (Salt Lake County) Hauer SSP2

Today (2025)
1,305,860 people
By 2030
1,402,611 · +7.4%
By 2040
1,594,533 · +22.1%
By 2050
1,787,244 · +36.9%
By 2075
2,224,138 · +70.3%
By 2100
2,551,390 · +95.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.61)
Race & ethnicity
White 49% Hispanic / Latino 39% Two or more races 14% Pacific Islander 4% Black 2% Asian 2% Native American 2%
Hispanic origin (detail)
Mexican 30% Puerto Rican 1%
Common ancestry
Slovak 3% Iranian 1% Italian 1%
Foreign-born
18% · Canada, Jamaica
Languages at home
64% English-only · Spanish 31% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Salt Lake

2024 margin
D (+10.2) · D 53.7% · R 43.5% · Other 2.8%
2008→2024 swing
+10.1pp toward D · 2008: 0.1pp · 2024: 10.2pp
All cycles
2024: D+10.2 2020: D+11.0 2016: D+10.2 2012: R+19.3 2008: D+0.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -207.24%
Current HPI
349.5169
Rent YoY
Metro
Salt Lake City, UT
State GDP YoY
▲ 3.54%
F500 in state
2

Industry mix (Fortune 500 HQ in UT)

Industry F500 HQs Revenue

Price history

+23.5% since first listed
7 events — show timeline
  • 2026-04-28 Price Changed $105,000 WFRMLS
  • 2026-03-07 Listed $122,000 WFRMLS
  • 2021-01-28 Pending WFRMLS
  • 2021-01-21 Relisted WFRMLS
  • 2021-01-11 Pending WFRMLS
  • 2020-12-29 Pending WFRMLS
  • 2020-10-26 Listed $85,000 WFRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…