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C- Composite 52.34
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 +20.7/30.0
  • ARV discount +7.5/15.0
  • DSCR +6.6/10.0
  • 1% rule +5.5/10.0
  • Livability +3.6/5.0
  • Schools +3.5/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$137,000

2750 Alden #43 · Fruitland, ID 83619
3 bd · 2.0 ba · 1,288 sqft · Manufactured · 334 Days on market
Built 2000

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Well kept 2000 Nashua Manufactured home in 55+ community in Fruitland! Master bedroom with walk-in shower and walk-in closet plus two additional bedrooms for guests, office or craft room. Water softener included but not currently hooked up or in use. Well built storage shed in yard. Schedule your appointment today!

Key facts

  • Master suite
  • Walk-in closet
  • Storage shed

Tags

RIVER RIDGE COMMUNITYMASTER SUITEWALK-IN CLOSETVAULTED CEILINGSMATURE LANDSCAPINGSTORAGE SHED

Property features AI

Finance

  • Other: Property listed as Mobile/Manufactured on a rented lot
  • HOA & community: Located in an active over-55 community

Exterior

  • Utilities: City water service; Sewer connected; Gas water heater (natural gas)
  • Home design: Mobile/manufactured home on a rented lot; Located in an over-55 community; Built in 2000
  • Construction: Wood siding construction; Built in 2000
  • Exterior features: Partial wood fencing; Storage shed; Cul-de-sac location; Automatic sprinkler system; Architectural-style roof

Interior

  • Kitchen: Breakfast bar; Dishwasher; Microwave; Freestanding oven/range
  • Bedrooms: 3 bedrooms, all on the main level
  • Flooring: Carpet; Vinyl
  • Bathrooms: 2 bathrooms
  • Heating & cooling: Forced air heating (natural gas); Central air conditioning
  • Interior features: Master bedroom on the main level; Split bedroom floor plan; Breakfast bar; Laminate countertops; Utility room on the main level
  • Laundry & utility: Utility room on the main level; Gas water heater

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 manufactured listed at $137k.

Deal economics

  • At list price, monthly cash flow is $186 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $137k).
  • Recommended offer: $121k (12.0% below list) — sets the bar for market timing.
  • Cap rate 7.9% vs local median 3.0% in Fruitland — 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 71/100 on livability (#51 in ID) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, amenities F, commute F.
  • Fruitland District (town): math 33% / reading 50% proficiency, ranked #60 of 92 in ID (top 65%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Fruitland Elementary School (math 38% / reading 40%, grade F, #247 of 357 statewide, top 70%, 557 students, 45% FRL); Fruitland High School (math 27% / reading 62%, grade F, #61 of 169 statewide, top 41%, 542 students, 25% FRL) — zoned schools at 35% FRL track the district average.
  • Market conditions: 110 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 230 units permitted in Payette County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $947 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

  • It's been on market 334 days — a 12% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 21y ago; this cycle's ask has dropped $13k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $120,560 (12.0% below list)

Questions for the listing agent

  1. It's been on market 334 days. Have you received any prior offers? Is the seller open to a 12% 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
1.05%
Cap rate
7.92%
Cash-on-cash
5.80%
DSCR
1.26
GRM
8.0

CMA / ARV

ARV (on-the-fly)
$87,584
Comps found
6
Show comp detail 6 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2750 Alden Rd #5 #5 0.00mi 3/2.0 1,380 (+7%) 13mo $69,900 $51 77
3100 Alden Rd Trlr 1 Rd 0.18mi 3/2.0 1,296 (+1%) 23mo $98,500 $76 71
2750 Alden #23 0.01mi 3/2.0 1,456 (+13%) 8mo $64,999 $45 71
2750 Alden Road #15 Rd 0.07mi 2/2.0 (-1) 1,170 (-9%) 19mo $80,000 $68 60
3100 Alden Rd #4 #4 0.18mi 3/2.0 1,110 (-14%) 10mo $39,900 $36 60
916 Victoria 0.66mi 3/2.0 1,344 (+4%) 2mo $110,000 $82 60

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
-7.3%
Equity multiple
0.73×
Total profit
$-10,362
Equity at exit
$20,427
10-year hold
IRR
2.3%
Equity multiple
1.16×
Total profit
$6,281
Equity at exit
$11,845

Cash invested: $38,360 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
91 Strongly Landlord-Friendly
State Idaho
91 Strongly Landlord-Friendly · R+18
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempted; minimal tenant protections.

ZIP-level market 83619

Home prices YoY
-30.4%
Active inventory
110
Price-to-rent
8.0×

Monthly cashflow live

Estimated rent
$1,433 medium interval (Pro) →
Mortgage (P&I)
$718
Tax est. 1.5%
$171 /mo · $2,055/yr
Insurance
$57
HOA
$0
Vacancy / Maint / Mgmt
$301
Net cashflow
$186

Break-even live

Break-even rent $1,198
Max offer price $137,000
Occupancy floor 82%

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
$34,250
Closing costs
$4,110
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 2 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
909 Victoria Ave Fruitland, ID 3.0 1.0 1152 $700 $0.61 18d 1 0.66mi
1241 NE 3rd Ave Ontario, OR 2.0 1.5 1067 $1,006 $0.94 2d 1 1.23mi

Listing history 33 events

  1. 2026-06-18
    days on market $137,000 Active 334 DOM
  2. 2026-06-17
    days on market $137,000 Active 333 DOM
  3. 2026-06-16
    days on market $137,000 Active 332 DOM
  4. 2026-06-15
    days on market $137,000 Active 331 DOM
  5. 2026-06-13
    days on market $137,000 Active 329 DOM
  6. 2026-06-13
    days on market $137,000 Active 328 DOM
  7. 2026-06-10
    days on market $137,000 Active 326 DOM
  8. 2026-06-09
    days on market $137,000 Active 325 DOM
  9. 2026-06-08
    days on market $137,000 Active 324 DOM
  10. 2026-06-07
    days on market $137,000 Active 323 DOM
  11. 2026-06-05
    days on market $137,000 Active 320 DOM
  12. 2026-06-03
    days on market $137,000 Active 319 DOM
  13. 2026-06-03
    days on market $137,000 Active 318 DOM
  14. 2026-06-01
    days on market $137,000 Active 317 DOM
  15. 2026-05-31
    days on market $137,000 Active 316 DOM
  16. 2026-05-20
    price $137,000
  17. 2026-04-20
    price $140,000
  18. 2026-03-30
    price $149,500
  19. 2026-03-05
    price $145,000
  20. 2026-01-22
    price $149,500
  21. 2025-09-23
    price $150,200
  22. 2025-07-19
    listed $150,000 Active
  23. 2024-03-10
    historical
  24. 2024-01-10
    listed $124,900 Active
  25. 2022-03-31
    soldstatus Sold 316-char remark
    Show marketing remark (316 chars)

    Well kept 2000 Nashua Manufactured home in 55+ community in Fruitland! Master bedroom with walk-in shower and walk-in closet plus two additional bedrooms for guests, office or craft room. Water softener included but not currently hooked up or in use. Well built storage shed in yard. Schedule your appointment today!

  26. 2022-02-05
    status Pending 316-char remark
    Show marketing remark (316 chars)

    Well kept 2000 Nashua Manufactured home in 55+ community in Fruitland! Master bedroom with walk-in shower and walk-in closet plus two additional bedrooms for guests, office or craft room. Water softener included but not currently hooked up or in use. Well built storage shed in yard. Schedule your appointment today!

  27. 2022-02-03
    listed $99,500 Active 316-char remark
    Show marketing remark (316 chars)

    Well kept 2000 Nashua Manufactured home in 55+ community in Fruitland! Master bedroom with walk-in shower and walk-in closet plus two additional bedrooms for guests, office or craft room. Water softener included but not currently hooked up or in use. Well built storage shed in yard. Schedule your appointment today!

  28. 2019-05-15
    historical
  29. 2019-04-18
    listed $69,900 Active
  30. 2006-07-05
    soldstatus
  31. 2006-05-18
    listed $49,000
  32. 2005-10-14
    soldstatus
  33. 2005-06-08
    listed $40,000

ⓘ 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 · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 7/10 Severe 10 unhealthy d/yr today · 12 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$17,200
− Mortgage interest
−$7,674
− Property taxes
−$2,055
− Insurance
−$685
− Repairs & maintenance
−$1,376
− Management
−$1,376
− Depreciation
−$3,985
Taxable income
$48
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$12
After-tax cash flow
$2,215/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
Fruitland District
NCES district ID
1601140
Math proficiency
33% ▼ -8.00%
Reading proficiency
50% ▼ -6.00%
Median HH income
$47,510
Composite
35.43/100
National rank
#4933
State rank
#60 of 92 in ID

Livability — Fruitland

Score
71/100
State rank
#51
US rank
#6760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Fruitland, ID
County
Payette County · 19,928 people
City population
8,823
Metro
Ontario, OR-ID
Population (ZIP)
8,823
Household income
$66,267
Rent vs Own
24.9% rent · 75.1% own
Severe rent burden
211.0

Population outlook (Payette County) Hauer SSP2

Today (2025)
23,392 people
By 2030
23,523 · +0.6%
By 2040
23,792 · +1.7%
By 2050
24,002 · +2.6%
By 2075
25,286 · +8.1%
By 2100
26,673 · +14.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (77%)
Race & ethnicity
White 77% Hispanic / Latino 18% Two or more races 12% Asian 1%
Hispanic origin (detail)
Mexican 17%
Common ancestry
Slovak 3% Scottish 3% Portuguese 2%
Foreign-born
7% · Canada
Languages at home
86% English-only · Spanish 14%

Political lean MEDSL · Payette

2024 margin
Solid R (+62.9) · D 17.6% · R 80.4% · Other 2.0%
2008→2024 swing
-21.4pp toward R · 2008: -41.5pp · 2024: -62.9pp
All cycles
2024: R+62.9 2020: R+59.3 2016: R+59.9 2012: R+44.0 2008: R+41.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -116.19%
Current HPI
266.5112
Rent YoY
Metro
Ontario, OR-ID
State GDP YoY
▲ 4.51%
F500 in state
6

Industry mix (Fortune 500 HQ in ID)

Industry F500 HQs Revenue

Price history

+242.5% since first listed
18 events — show timeline
  • 2026-05-20 Price Changed $137,000 IMLS
  • 2026-04-20 Price Changed $140,000 IMLS
  • 2026-03-30 Price Changed $149,500 IMLS
  • 2026-03-05 Price Changed $145,000 IMLS
  • 2026-01-22 Price Changed $149,500 IMLS
  • 2025-09-23 Price Changed $150,200 IMLS
  • 2025-07-19 Listed $150,000 IMLS
  • 2024-03-10 Listing Removed IMLS
  • 2024-01-10 Listed $124,900 IMLS
  • 2022-03-31 Sold (MLS) IMLS
  • 2022-02-05 Pending IMLS
  • 2022-02-03 Listed $99,500 IMLS
  • 2019-05-15 Listing Removed IMLS
  • 2019-04-18 Listed $69,900 IMLS
  • 2006-07-05 Sold (MLS) IMLS
  • 2006-05-18 Listed $49,000 IMLS
  • 2005-10-14 Sold (MLS) IMLS
  • 2005-06-08 Listed $40,000 IMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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