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D Composite 43.82
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).

  • ARV discount +15.0/15.0
  • Cash flow +9.8/30.0
  • 1% rule +4.2/10.0
  • Rent growth +3.9/5.0
  • Livability +3.7/5.0
  • DSCR +2.8/10.0
  • Condition / age +2.5/5.0
  • Schools +2.0/10.0
  • Appreciation +0.0/10.0

$219,500

None · Hinesville, GA 31313
3 bd · 2.0 ba · 1,583 sqft · SingleFamily public records · 122 Days on market
Built 2012 3,485 sqft lot Est $279k · 21% under $25/mo HOA · 1% of rent ↓ 14% since listing

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

Listing remarks MLS

Price Alert! This two-story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize it as office space. This asset is being sold AS-IS. No seller disclosure on file. Prequalification letter cannot be over 30 days old at time of submission. Earnest money is payable to closing attorney.

Key facts

  • 3,485 sq ft lot
  • 2 garage spots
  • Built 2012

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 3-bed/2.0-bath single-family listed at $220k.

Deal economics

  • At list price, monthly cash flow is $-141 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $195k (11.3% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (7.8% below list).
  • Recommended offer: $193k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 73/100 on livability (#51 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, commute D+, crime F.
  • Liberty County (urban): math 19% / reading 28% proficiency, ranked #133 of 174 in GA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising fast (+5.4%/yr); 639 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 471 units permitted in Liberty County in 2024 (0 in 5+ unit buildings).
  • This rent runs 40% of the median local income ($60k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Liberty County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • It's been on market 122 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 4y ago; this cycle's ask has dropped $51k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: property tax is 2.6% of price.
  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $193,160 (12.0% 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. It's been on market 122 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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?
  9. 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?
  10. 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.
  11. 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.
  12. 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
0.92%
Cap rate
5.52%
Cash-on-cash
-2.74%
DSCR
0.88
GRM
9.0

CMA / ARV

ARV (on-the-fly)
$278,608
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
212 Augusta Way 0.16mi 3/2.0 1,512 (-4%) 4mo $269,400 $178 82
603 Amhearst Row 0.12mi 3/2.5 1,492 (-6%) 5mo $259,500 $174 78
215 Nobel Crst 0.31mi 3/2.0 1,522 (-4%) 1mo $267,500 $176 78
217 Guyett Ave 0.30mi 3/2.0 1,426 (-10%) 1mo $250,000 $175 69
622 Piedmont Ave 0.21mi 3/2.0 1,363 (-14%) 2mo $239,999 $176 66
1082 Pipkin Road Rd 0.51mi 4/2.0 (+1) 1,525 (-4%) 4mo $210,000 $138 62
1308 Karen Ct 0.55mi 3/2.5 1,478 (-7%) 1mo $265,000 $179 60
1133 Creekside Cir 0.43mi 3/2.0 1,440 (-9%) 8mo $259,900 $180 59
1238 Grayson Ave 0.70mi 3/2.5 1,462 (-8%) 2mo $275,000 $188 51
723 Mill Creek Cir 0.55mi 4/2.5 (+1) 1,743 (+10%) 5mo $275,000 $158 46
330 Cowart Rd 0.57mi 3/2.0 1,785 (+13%) 8mo $194,500 $109 46
1316 Grayson Ave 0.65mi 3/2.5 1,802 (+14%) 8mo $282,900 $157 38

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 · 5.41% rent growth · sell at horizon

5-year hold
IRR
-17.7%
Equity multiple
0.36×
Total profit
$-39,324
Equity at exit
$32,728
10-year hold
IRR
-5.2%
Equity multiple
0.62×
Total profit
$-23,417
Equity at exit
$18,978

Cash invested: $61,460 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

ZIP-level market 31313

Home prices YoY
-27.1%
Rents YoY
5.4%
Active inventory
639
Price-to-rent
9.0×

Monthly cashflow live

Estimated rent
$2,024 high interval (Pro) →
Mortgage (P&I)
$1,151
Tax from tax record
$472 /mo · $5,665/yr
Insurance
$91
HOA
$25
Vacancy / Maint / Mgmt
$425
Net cashflow
$-141

Break-even live

Break-even rent $2,202
Max offer price $194,677
Occupancy floor

Sensitivity live

Price -10% $-16 -5% $-78 +0% $-141 +5% $-203 +10% $-265
Rent -10% $-300 -5% $-220 +0% $-141 +5% $-61 +10% $19
Rate -1.0pp $-30 -0.5pp $-85 base $-141 +0.5pp $-197 +1.0pp $-255

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
$54,875
Closing costs
$6,585
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 25 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
511 Wyckfield Way Hinesville, GA 4.0 2.5 2070 $2,475 $1.20 45d 1 0.06mi
203 Guyett Ave Hinesville, GA 4.0 2.5 1593 $2,000 $1.26 45d 1 0.40mi
1110 Creekside Cir Hinesville, GA 3.0 2.0 1356 $2,000 $1.47 45d 1 0.45mi
717 Mill Creek Cir Hinesville, GA 4.0 2.5 1776 $2,200 $1.24 45d 1 0.55mi
712 Mill Creek Cir Hinesville, GA 4.0 2.0 1456 $1,900 $1.30 45d 1 0.59mi
945 Ruth Dr Hinesville, GA 4.0 2.0 1910 $1,900 $0.99 45d 1 0.69mi
264 Marron Way Hinesville, GA 4.0 2.5 1997 $2,200 $1.10 45d 1 0.72mi
960 Gulfstream Rd Hinesville, GA 4.0 2.0 1515 $2,150 $1.42 45d 1 0.80mi
912 Pineland Ave Hinesville, GA 3.0 2.5 1428 $1,648 $1.15 45d 1 0.81mi
905 King Air Ct Hinesville, GA 3.0 2.0 1407 $1,750 $1.24 45d 1 0.81mi
1300 Independence Place Dr Hinesville, GA 1.0–4.0 1.0–4.0 862 $1,738 $2.02 45d 23 0.88mi
916 Mandarin Dr Hinesville, GA 3.0 2.0 1433 $1,550 $1.08 45d 1 0.91mi
908 Ringneck Way Hinesville, GA 3.0 2.0 1526 $1,750 $1.15 46d 1 0.94mi
732 Fleming Rd Hinesville, GA 3.0 1.5 1348 $1,400 $1.04 45d 1 1.07mi
814 Lesa St Hinesville, GA 2.0 1.5 1152 $950 $0.82 45d 1 1.16mi
924 Sanford Ln Hinesville, GA 4.0 2.5 1801 $1,995 $1.11 45d 1 1.17mi
710 Little John Dr Hinesville, GA 3.0 2.0 1459 $1,700 $1.17 45d 1 1.17mi
1012 White Cir Hinesville, GA 3.0 1.0 1050 $1,300 $1.24 45d 1 1.24mi
410 Conley Dr Hinesville, GA 3.0 3.0 1742 $2,000 $1.15 45d 1 1.25mi
1069 Kelly Dr Hinesville, GA 3.0 1.5 1270 $1,350 $1.06 45d 1 1.27mi
1100 Pineland Ave Hinesville, GA 2.0 2.5 1412 $1,575 $1.12 45d 2 1.27mi
722 Robin Hood Dr Hinesville, GA 3.0 2.0 1668 $1,500 $0.90 45d 1 1.27mi
662 Mahoney Rd Hinesville, GA 3.0 2.0 1196 $1,795 $1.50 45d 1 1.27mi
600 Brightleaf Cir Hinesville, GA 3.0 2.5 1603 $2,300 $1.43 45d 1 1.33mi
255 Glenn Bryant Rd Hinesville, GA 3.0 1.0 1075 $1,700 $1.58 45d 1 1.35mi

HOA detail

Monthly dues
$25 · $300/yr

Listing history 20 events

  1. 2026-04-16
    status Pending 525-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  2. 2026-04-16
    status Under Contract 390-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  3. 2026-04-16
    status Pending
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  4. 2026-03-18
    price $219,500 525-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  5. 2026-03-18
    price $219,500
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  6. 2026-03-18
    price $219,500 390-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  7. 2026-02-18
    price $229,500
    Show marketing remark (525 chars)

    Price Alert! This two-story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize it as office space. This asset is being sold AS-IS. No seller disclosure on file. Prequalification letter cannot be over 30 days old at time of submission. Earnest money is payable to closing attorney.

  8. 2026-02-18
    price $229,500 390-char remark
    Show marketing remark (525 chars)

    Price Alert! This two-story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize it as office space. This asset is being sold AS-IS. No seller disclosure on file. Prequalification letter cannot be over 30 days old at time of submission. Earnest money is payable to closing attorney.

  9. 2026-02-18
    price $229,500 525-char remark
    Show marketing remark (525 chars)

    Price Alert! This two-story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize it as office space. This asset is being sold AS-IS. No seller disclosure on file. Prequalification letter cannot be over 30 days old at time of submission. Earnest money is payable to closing attorney.

  10. 2026-01-21
    price $249,500
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  11. 2026-01-21
    price $249,500 390-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  12. 2026-01-20
    price $249,500 525-char remark
    Show marketing remark (525 chars)

    Price Alert! This two-story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize it as office space. This asset is being sold AS-IS. No seller disclosure on file. Prequalification letter cannot be over 30 days old at time of submission. Earnest money is payable to closing attorney.

  13. 2025-12-15
    listed $270,500 Active
  14. 2025-12-13
    listed $270,500 Active 525-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  15. 2025-12-13
    listed $270,500 New 390-char remark
    Show marketing remark (390 chars)

    This two story home features a large great room-dining room combination and a fully equipped kitchen on the first floor. The upper level has huge primary suite with adjoining bath and double vanities. There are 2 additional bedrooms & a hall bath. The loft area is great for a kid's play area or utilize is as office space. This asset is being sold AS-IS. No seller disclosure on file.

  16. 2024-01-11
    historical $2,100
  17. 2023-10-27
    listed $2,100
  18. 2022-09-26
    soldstatus $250,000
  19. 2022-09-21
    soldstatus $250,000
  20. 2022-06-17
    listed $255,000

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

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$5,665 · $472/mo
Projected year-2 tax
$5,665 · $472/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 ≥111°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,290
− Mortgage interest
−$12,295
− Property taxes
−$5,665
− Insurance
−$1,098
− Repairs & maintenance
−$1,943
− Management
−$1,943
− HOA
−$300
− Depreciation
−$6,385
Taxable loss
−$5,340
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,281
After-tax cash flow
$-405/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
Liberty County
NCES district ID
1303300
Math proficiency
19% ▼ -16.00%
Reading proficiency
28% ▼ -13.00%
Median HH income
$43,911
Composite
20.2/100
National rank
#8630
State rank
#133 of 174 in GA

Livability — Hinesville

Score
73/100
State rank
#51
US rank
#5200

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hinesville, GA
County
Liberty County · 58,565 people
City population
42,838
Metro
Hinesville, GA
Population (ZIP)
42,838
Household income
$60,233
Rent vs Own
50.1% rent · 49.9% own
Severe rent burden
1693.0

Population outlook (Liberty County) Hauer SSP2

Today (2025)
58,689 people
By 2030
57,670 · -1.7%
By 2040
55,750 · -5.0%
By 2050
54,155 · -7.7%
By 2075
58,947 · +0.4%
By 2100
66,919 · +14.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.67)
Race & ethnicity
Black 47% White 31% Hispanic / Latino 13% Two or more races 11% Asian 2%
Hispanic origin (detail)
Mexican 4% Puerto Rican 7%
Common ancestry
Slovak 1% Italian 1% Lithuanian 1%
Foreign-born
7% · Canada, South Korea
Languages at home
86% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Liberty

2024 margin
D (+17.4) · D 58.5% · R 41.0%
2008→2024 swing
-10.9pp toward R · 2008: 28.4pp · 2024: 17.4pp
All cycles
2024: D+17.4 2020: D+24.1 2016: D+21.2 2012: D+30.2 2008: D+28.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -77.50%
Current HPI
208.0927
Rent YoY
▲ 5.41%
Metro
Hinesville, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

-13.9% since first listed
20 events — show timeline
  • 2026-04-16 Pending HABR
  • 2026-04-16 Pending GAMLS
  • 2026-04-16 Pending Hive MLS
  • 2026-03-18 Price Changed $219,500 HABR
  • 2026-03-18 Price Changed $219,500 Hive MLS
  • 2026-03-18 Price Changed $219,500 GAMLS
  • 2026-02-18 Price Changed $229,500 Hive MLS
  • 2026-02-18 Price Changed $229,500 GAMLS
  • 2026-02-18 Price Changed $229,500 HABR
  • 2026-01-21 Price Changed $249,500 Hive MLS
  • 2026-01-21 Price Changed $249,500 GAMLS
  • 2026-01-20 Price Changed $249,500 HABR
  • 2025-12-15 Listed $270,500 Hive MLS
  • 2025-12-13 Listed $270,500 GAMLS
  • 2025-12-13 Listed $270,500 HABR
  • 2024-01-11 Rental Removed $2,100 HABR
  • 2023-10-27 Listed for Rent $2,100 HABR
  • 2022-09-26 Sold (Public Records) $250,000 Public Records
  • 2022-09-21 Sold (MLS) $250,000 HABR
  • 2022-06-17 Listed $255,000 HABR

Property tax history

+8.7%/yr

Latest (2025): $5,665 · +1.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…