136 Darla Ct · Moscow Mills, MO 63362

$115,597

3 bd · 2.0 ba · 1,578 sqft · Other · 4 Days on market

Built 2025

---

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 +26.2/30.0
• DSCR +8.9/10.0
• ARV discount +7.5/15.0
• 1% rule +7.0/10.0
• Schools +3.8/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Look no further your home comes furnished with refrigerator stove microwave dishwasher, maybe washer and dryer (not yet decided) laundry room with sink and spacious, this is a double wide home you can live in the community park that offers pool , playground, basketball court, or move it to your land . As we still live in the home we kindly ask you to text for a showing , for serious buyers 636-515-0548 My name is Ashley if you have questions

Key facts

• Offers playground
• Community park
• Offers pool

Tags

• FURNISHED WITH REFRIGERATOR
• LAUNDRY ROOM WITH SINK
• COMMUNITY PARK
• OFFERS POOL
• OFFERS PLAYGROUND
• OFFERS BASKETBALL COURT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $116k.

Deal economics

• At list price, monthly cash flow is $296 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $116k).
• Cap rate 9.4% vs local median 2.6% in Moscow Mills — 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 62/100 on livability (#375 in MO) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• Troy R-III (town): math 40% / reading 47% proficiency, ranked #97 of 324 in MO (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 92 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 149 units permitted in Lincoln County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $799 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lincoln County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,597

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.20% ✓
• Cap rate: 9.36%
• Cash-on-cash: 10.97%
• DSCR: 1.49
• GRM: 7.0

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: 0.1%
• Equity multiple: 1.00×
• Total profit: $130
• Equity at exit: $17,236

10-year hold

• IRR: 9.8%
• Equity multiple: 1.76×
• Total profit: $24,459
• Equity at exit: $9,995

Cash invested: $32,367 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 81 Strongly Landlord-Friendly
• State Missouri: 81 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

Generally landlord-friendly; St Louis has some habitability requirements.

Methodology + full state rankings →

ZIP-level market 63362

• Home prices YoY: -31.1%
• Active inventory: 92
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,386 medium
• Mortgage (P&I): −$606
• Tax est. 1.5%: −$144 /mo · $1,734/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $296

Break-even live

Break-even rent $1,011

Max offer price $115,597

Occupancy floor 74%

Sensitivity live

Price	-10% $376	-5% $336	+0% $296	+5% $256	+10% $216
Rent	-10% $186	-5% $241	+0% $296	+5% $351	+10% $405
Rate	-1.0pp $354	-0.5pp $325	base $296	+0.5pp $266	+1.0pp $235

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: $28,899
• Closing costs: $3,468
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
230 Truman Ct Moscow Mills, MO	3.0	1.5	1100	$1,300	$1.18	18d	1	0.91mi
223 Truman Ct Moscow Mills, MO	3.0	1.0	1100	$1,200	$1.09	2d	1	0.93mi
70 Santo Domingo Dr Moscow Mills, MO	2.0	1.0	1192	$1,725	$1.45	44d	1	1.25mi

Listing history 3 events

1. 2026-06-21
   days on market $115,597 Active 4 DOM
2. 2026-06-17
   remarks 445-char remark
3. 2026-06-17
   listed $115,597 Active 1 DOM

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,628
• − Mortgage interest: −$6,475
• − Property taxes: −$1,734
• − Insurance: −$578
• − Repairs & maintenance: −$1,330
• − Management: −$1,330
• − Depreciation: −$3,363
• Taxable income: $1,818
• Est. tax owed @ 24.0%: −$436
• After-tax cash flow: $3,114/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: Troy R-III
• NCES district ID: 2930450
• Math proficiency: 40% ▼ -4.00%
• Reading proficiency: 47% ▼ -1.00%
• Median HH income: $56,629
• Composite: 38.01/100
• National rank: #4288
• State rank: #97 of 324 in MO

Livability — Moscow Mills

• Score: 62/100
• State rank: #375
• US rank: #16517

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moscow Mills, MO
• Population (ZIP): 9,247

Population outlook (Lincoln County) Hauer SSP2

• Today (2025): 58,571 people
• By 2030: 60,050 · +2.5%
• By 2040: 61,982 · +5.8%
• By 2050: 61,790 · +5.5%
• By 2075: 58,249 · -0.5%
• By 2100: 48,815 · -16.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 5% Two or more races 4% Black 3%
• Common ancestry: Romanian 7% Slovak 3% Lithuanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Lincoln

• 2024 margin: Solid R (+55.9) · D 21.5% · R 77.4% · Other 1.1%
• 2008→2024 swing: -44.5pp toward R · 2008: -11.4pp · 2024: -55.9pp
• All cycles: 2024: R+55.9 2020: R+52.5 2016: R+50.5 2012: R+29.1 2008: R+11.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.35%
• Current HPI: 195.6311
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.84%
• F500 in state: 20

Industry mix (Fortune 500 HQ in MO)

Industry	F500 HQs	Revenue
▸Healthcare	1	$163B
▸Insurance	1	$21B
▸Industrial Technology	1	$17B
▸Retail	1	$16B
▸Industrial Distribution	1	$10B
▸Utilities	1	$9B

Price history

1 event — show timeline

• 2026-06-18 Listed $115,597 FSBO.com