14 Yashica Ct · Cayce, SC 29172

$215,000

3 bd · 2.0 ba · 1,008 sqft · SingleFamily public records · 73 Days on market

Built 1981 9,147 sqft lot

---

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 +10.0/10.0
• Cash flow +7.9/30.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0
• 1% rule +1.3/10.0

Listing remarks

This Beautiful abode has 4 bedrooms and 3 full baths. The living room has an electric fireplace, entertainment center and ceiling fan. New LVP flooring throughout. Owners room has private En Suite. The home features solar panels large fenced backyard with decking and a huge storage shed. The solar panels cost $136 monthly. The average electric bill runs at $67.00 a month! Welcome Home. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Key facts

• Huge storage shed
• Private en suite
• Electric fireplace

Tags

• ELECTRIC FIREPLACE
• PRIVATE EN SUITE
• SOLAR PANELS
• LARGE FENCED BACKYARD
• HUGE STORAGE SHED

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-story home
• Construction: Wood fiber-masonite and stone exterior; Crawlspace foundation
• Exterior features: Covered front porch; Deck; Shed; Rear wood privacy fence

Interior

• Kitchen: Pantry; Formica countertops; Painted cabinets; Dishwasher; Refrigerator; Microwave above stove; Free-standing smooth-surface range
• Bedrooms: Master bedroom on main level with private bath and private closet; Bedroom 2 on main level with private closet and ceiling fan; Bedroom 3 on main level with private bath, private closet and ceiling fan; Bedroom 4 on main level with private closet and ceiling fan
• Flooring: Luxury vinyl plank flooring
• Bathrooms: Three full bathrooms
• Heating & cooling: Central cooling; Central electric heating
• Interior features: Entertainment center in living room; Fireplace (free-standing, electric); Ceiling fans throughout; Luxury vinyl plank flooring on main level
• Laundry & utility: Main-level utility room (washer/dryer area)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $-230 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $174k (18.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $136k (36.9% below list).
• Recommended offer: $136k (36.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#55 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, crime F, commute F.
• Lexington 02 (suburban): math 30% / reading 38% proficiency, ranked #45 of 80 in SC (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Congaree Elementary (math 27% / reading 24%, grade F, #444 of 597 statewide, top 75%, 368 students, 100% FRL); Airport High (math 40% / reading 79%, grade C+, #110 of 196 statewide, top 58%, 1,428 students, 84% FRL) — zoned schools average 92% FRL vs 59% district-wide (33 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 56 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 1,712 units permitted in Lexington County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $23k of equity ($1k loan paydown + $22k appreciation (10.0% local appreciation)).
• Lexington County population projected at +26% 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 73 days — a 6% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $154k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 67% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,770 (36.9% 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 73 days. Have you received any prior offers? Is the seller open to a 37% concession, seller financing, or rate buy-down credit?
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 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.63% ✗
• Cap rate: 5.01%
• Cash-on-cash: -4.59%
• DSCR: 0.80
• GRM: 13.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.0%
• Equity multiple: 2.70×
• Total profit: $102,330
• Equity at exit: $193,689

10-year hold

• IRR: 19.0%
• Equity multiple: 6.19×
• Total profit: $312,701
• Equity at exit: $417,698

Cash invested: $60,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State South Carolina: 90 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 29172

• Home prices YoY: 14.4%
• Active inventory: 56
• Price-to-rent: 13.2×

Monthly cashflow live

• Estimated rent: $1,358 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$86 /mo · $1,031/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $-230

Break-even live

Break-even rent $1,649

Max offer price $174,303

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
137 Miranda Rd West Columbia, SC	3.0	1.0	1080	$1,300	$1.20	3d	1	0.15mi
357 Creighton Dr West Columbia, SC	3.0	2.0	1417	$1,600	$1.13	3d	1	0.66mi
315 Gardners Terrace Rd West Columbia, SC	2.0	1.0	1333	$1,500	$1.13	23d	1	1.23mi

Listing history 31 events

1. 2026-06-18
   days on market $215,000 Active 73 DOM
2. 2026-06-17
   days on market $215,000 Active 72 DOM
3. 2026-06-16
   days on market $215,000 Active 71 DOM
4. 2026-06-15
   days on market $215,000 Active 70 DOM
5. 2026-06-14
   days on market $215,000 Active 68 DOM
6. 2026-06-13
   days on market $215,000 Active 67 DOM
7. 2026-06-10
   days on market $215,000 Active 65 DOM
8. 2026-06-09
   days on market $215,000 Active 64 DOM
9. 2026-06-08
   days on market $215,000 Active 63 DOM
10. 2026-06-07
    days on market $215,000 Active 62 DOM
11. 2026-06-05
    days on market $215,000 Active 59 DOM
12. 2026-06-03
    days on market $215,000 Active 58 DOM
13. 2026-06-03
    days on market $215,000 Active 57 DOM
14. 2026-06-02
    days on market $215,000 Active 56 DOM
15. 2026-05-31
    days on market $215,000 Active 55 DOM
16. 2026-05-23
    price $215,000
17. 2026-04-06
    listed $230,000 Active
18. 2026-02-13
    historical
19. 2026-01-10
    price $197,500
20. 2025-11-26
    price $210,000
21. 2025-09-13
    price $227,000
22. 2025-08-13
    listed $230,000 Active
23. 2024-04-04
    soldstatus $154,000
24. 2024-01-16
    status Pending
25. 2023-11-30
    status Active
26. 2023-10-03
    status Pending
27. 2023-09-15
    price $159,000
28. 2023-09-05
    listed $164,000 Active
29. 2006-07-11
    soldstatus $73,382
30. 2004-05-17
    soldstatus $24,000
31. 1987-08-01
    soldstatus $38,500

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

Tax reassessment forecast SC · Resets to sale price

• Current annual tax: $1,031 · $86/mo
• Projected year-2 tax: $1,226 · $102/mo
• Expected delta: +$195/yr (+$16/mo · 18.9%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 67% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,292
• − Mortgage interest: −$12,043
• − Property taxes: −$1,031
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,303
• − Management: −$1,303
• − Depreciation: −$6,255
• Taxable loss: −$6,718
• Est. tax savings @ 24.0%: +$1,612
• After-tax cash flow: $-1,152/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: Lexington 02
• NCES district ID: 4502730
• Math proficiency: 30% ▼ -6.00%
• Reading proficiency: 38% ▬ 0.00%
• Median HH income: $42,532
• Composite: 28.78/100
• National rank: #6669
• State rank: #45 of 80 in SC

Livability — Cayce

• Score: 71/100
• State rank: #55
• US rank: #7173

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 12,837
• Population (ZIP): 9,354

Population outlook (Lexington County) Hauer SSP2

• Today (2025): 322,999 people
• By 2030: 342,356 · +6.0%
• By 2040: 377,715 · +16.9%
• By 2050: 406,984 · +26.0%
• By 2075: 465,447 · +44.1%
• By 2100: 485,674 · +50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 60% Black 29% Two or more races 6% Hispanic / Latino 5% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Serbian 7% Slovak 2% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Lexington

• 2024 margin: Solid R (+33.5) · D 32.5% · R 66.0% · Other 1.4%
• 2008→2024 swing: +4.6pp toward D · 2008: -38.0pp · 2024: -33.5pp
• All cycles: 2024: R+33.5 2020: R+30.1 2016: R+36.7 2012: R+37.8 2008: R+38.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 45.94%
• Current HPI: 364.73
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B

Price history

+458.4% since first listed

16 events — show timeline

• 2026-05-23 Price Changed $215,000 Consolidated MLS
• 2026-04-06 Listed $230,000 Consolidated MLS
• 2026-02-13 Delisted — Consolidated MLS
• 2026-01-10 Price Changed $197,500 Consolidated MLS
• 2025-11-26 Price Changed $210,000 Consolidated MLS
• 2025-09-13 Price Changed $227,000 Consolidated MLS
• 2025-08-13 Listed $230,000 Consolidated MLS
• 2024-04-04 Sold (Public Records) $154,000 Public Records
• 2024-01-16 Pending — Consolidated MLS
• 2023-11-30 Relisted — Consolidated MLS
• 2023-10-03 Pending — Consolidated MLS
• 2023-09-15 Price Changed $159,000 Consolidated MLS
• 2023-09-05 Listed $164,000 Consolidated MLS
• 2006-07-11 Sold (Public Records) $73,382 Public Records
• 2004-05-17 Sold (Public Records) $24,000 Public Records
• 1987-08-01 Sold (Public Records) $38,500 Public Records

Property tax history

-3.2%/yr

Latest (2023): $1,031 · -0.5% YoY. Source: county tax records.