10 E Reliance Ct · Mayflower, AR 72106

$223,400

3 bd · 2.0 ba · 1,523 sqft · SingleFamily · 25 Days on market

Built 2026 10,454 sqft lot Est $227k · at est. $227/mo HOA · 13% of rent

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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).

• Appreciation +9.8/10.0
• ARV discount +8.2/15.0
• Cash flow +6.5/30.0
• 1% rule +2.9/10.0
• Schools +2.8/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +0.8/10.0

Listing remarks MLS

This single-story home features two bedrooms off the entry, leading to a spacious and flexible open-concept layout that combines the kitchen, living and dining areas. The luxurious owner's suite is nestled into a private rear corner, offering direct access to a full bathroom and dual walk-in closets.

Key facts

• Covered front entry
• Detached
• 0.24 acre lot

Tags

• COVERED FRONT ENTRY
• FRONT YARD LANDSCAPING
• ENERGY EFFICIENT APPLIANCES
• SPACIOUS LAUNDRY ROOM
• DETACHED

Property features AI

Finance

• Financial info: Financing options: VA, FHA, Conventional, Cash, Rural Development
• HOA & community: Annual association fee of $320; Additional association fee of $200; Fees billed annually

Exterior

• Parking: Attached garage for 2 cars
• Utilities: Public sewer; Public water; Municipal electric service (Entergy available); All utilities underground
• Home design: New construction; Plans & specs listed square footage
• Construction: Built by Lennar Homes of Arkansas, LLC; Slab foundation
• Exterior features: Brick and frame combination exterior; Metal/vinyl siding; Composition (3-tab shingle) roof; Paved road access; Level lot; Located in a subdivision; Inside city limits

Interior

• Kitchen: Free-standing stove; Electric range; Dishwasher; Disposal; Pantry
• Flooring: Carpet; Luxury vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump
• Interior features: Washer connection; Electric dryer connection; Electric water heater; Smoke detectors
• Laundry & utility: Laundry room; Washer connection; Dryer connection (electric)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $223k.

Deal economics

• At list price, monthly cash flow is $-379 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $169k (24.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (21.2% below list).
• Recommended offer: $169k (24.6% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 56/100 on livability (#390 in AR) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: schools F, crime F, amenities F.
• Mayflower School District (rural): math 32% / reading 34% proficiency, ranked #127 of 238 in AR (top 53%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 110 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 865 units permitted in Faulkner County in 2024 (451 in 5+ unit buildings).

Forward outlook

• In year one you build about $23k of equity ($2k loan paydown + $21k appreciation (9.6% local appreciation)).
• Faulkner County population projected at +32% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

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 $168,501 (24.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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?
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: 0.79% ✗
• Cap rate: 4.26%
• Cash-on-cash: -7.28%
• DSCR: 0.68
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $226,927
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15 E Reliance Ct	0.10mi	3/2.0	1,523 (0%)	1mo	$220,900	$145	95
13 E Reliance Ct	0.08mi	3/2.0	1,472 (-3%)	0mo	$219,900	$149	90
16 E Reliance Ct	0.11mi	3/2.0	1,472 (-3%)	0mo	$222,900	$151	89
4 Concord Rd	0.05mi	3/2.0	1,600 (+5%)	1mo	$269,900	$169	88
13 Vineyard Dr	0.15mi	4/2.0 (+1)	1,476 (-3%)	2mo	$196,000	$133	82
7 Vineyard Dr	0.17mi	4/2.0 (+1)	1,476 (-3%)	3mo	$196,000	$133	79
17 E Reliance Ct	0.11mi	3/2.0	1,355 (-11%)	1mo	$212,400	$157	76
101 E Fredonia Ct	0.13mi	4/2.0 (+1)	1,655 (+9%)	1mo	$232,000	$140	73
3 Vineyard Dr	0.19mi	4/2.0 (+1)	1,655 (+9%)	2mo	$211,000	$127	70
22 Ledrick Cir	0.48mi	3/2.0	1,648 (+8%)	3mo	$264,400	$160	62
14 Cross St	0.27mi	4/1.0 (+1)	1,352 (-11%)	1mo	$159,000	$118	59
18 Wheeler St	0.47mi	3/2.0	1,354 (-11%)	2mo	$205,000	$151	57

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

9.62% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.3%
• Equity multiple: 2.47×
• Total profit: $91,845
• Equity at exit: $195,057

10-year hold

• IRR: 17.1%
• Equity multiple: 5.61×
• Total profit: $288,352
• Equity at exit: $414,222

Cash invested: $62,552 (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.

Methodology + full state rankings →

ZIP-level market 72106

• Home prices YoY: 4.2%
• Active inventory: 110
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,761 high
• Mortgage (P&I): −$1,172
• Tax est. 1.5%: −$279 /mo · $3,351/yr
• Insurance: −$93
• HOA: −$227
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-379

Break-even live

Break-even rent $2,242

Max offer price $168,501

Occupancy floor —

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: $55,850
• Closing costs: $6,702
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
110 Sunbelt Ct Mayflower, AR	4.0	2.0	1897	$1,750	$0.92	43d	1	0.05mi
104 E Fredonia Ct Mayflower, AR	4.0	2.0	1476	$1,750	$1.19	43d	1	0.10mi
17 Vineyard Dr Mayflower, AR	4.0	2.0	1655	$1,850	$1.12	14d	1	0.10mi
101 E Fredonia Ct Mayflower, AR	4.0	2.0	1655	$1,923	$1.16	14d	1	0.13mi
103 E Fredonia Ct Mayflower, AR	3.0	2.0	1364	$1,650	$1.21	14d	1	0.13mi
11 Vineyard Dr Mayflower, AR	3.0	2.0	1364	$1,650	$1.21	43d	1	0.13mi
7 Vineyard Dr Mayflower, AR	4.0	2.0	1476	$1,750	$1.19	43d	1	0.15mi
5 Vineyard Dr Mayflower, AR	3.0	2.0	1364	$1,650	$1.21	43d	1	0.16mi
3 Vineyard Dr Mayflower, AR	4.0	2.0	1655	$1,850	$1.12	14d	1	0.17mi

HOA detail

• Monthly dues: $227 · $2,724/yr

Listing history 10 events

1. 2026-06-16
   statusdays on market $223,400 Under Contract 25 DOM
2. 2026-06-15
   days on market $223,400 Active 24 DOM
3. 2026-06-14
   days on market $223,400 Active 22 DOM
4. 2026-06-10
   days on market $223,400 Active 19 DOM
5. 2026-06-09
   days on market $223,400 Active 18 DOM
6. 2026-06-08
   days on market $223,400 Active 17 DOM
7. 2026-06-07
   remarks 693-char remark
8. 2026-06-07
   days on marketlisting id $223,400 Active 16 DOM
9. 2026-06-05
   remarks 301-char remark
10. 2026-06-05
    listed $223,400 Active 15 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 6/10 Major 7 d/yr ≥111°F today · 19 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,136
• − Mortgage interest: −$12,514
• − Property taxes: −$3,351
• − Insurance: −$1,117
• − Repairs & maintenance: −$1,691
• − Management: −$1,691
• − HOA: −$2,724
• − Depreciation: −$6,499
• Taxable loss: −$8,450
• Est. tax savings @ 24.0%: +$2,028
• After-tax cash flow: $-2,525/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: Mayflower School District
• NCES district ID: 0509540
• Math proficiency: 32% ▼ -9.00%
• Reading proficiency: 34% ▼ -6.00%
• Median HH income: $47,119
• Composite: 28.41/100
• National rank: #6760
• State rank: #127 of 238 in AR

Livability — Mayflower

• Score: 56/100
• State rank: #390
• US rank: #22893

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mayflower, AR
• Population (ZIP): 5,719

Population outlook (Faulkner County) Hauer SSP2

• Today (2025): 138,985 people
• By 2030: 148,264 · +6.7%
• By 2040: 166,010 · +19.4%
• By 2050: 183,362 · +31.9%
• By 2075: 224,593 · +61.6%
• By 2100: 250,603 · +80.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 7% Black 6% Hispanic / Latino 1%
• Common ancestry: Slovak 3% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada

Political lean MEDSL · Faulkner

• 2024 margin: Solid R (+32.3) · D 32.6% · R 64.9% · Other 2.5%
• 2008→2024 swing: -7.1pp toward R · 2008: -25.3pp · 2024: -32.3pp
• All cycles: 2024: R+32.3 2020: R+29.5 2016: R+31.6 2012: R+31.7 2008: R+25.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.62%
• Current HPI: 236.6197
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+0.0% since first listed

2 events — show timeline

• 2026-05-22 Listed $223,400 CARMLS
• 2026-05-20 Listed $223,400 Zillow