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C- Composite 54.19
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 +15.0/30.0
  • Appreciation +8.1/10.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Schools +5.0/10.0
  • Livability +3.6/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$20,000

300 E Williamson St · Claflin, KS 67525
4 bd · 2.0 ba · 1,920 sqft · SingleFamily public records · 58 Days on market
Built 1890 0.29 ac lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Key facts

  • Spacious kitchen
  • Original woodwork
  • High ceilings

Tags

CORNER LOTORIGINAL WOODWORKHIGH CEILINGSSPACIOUS KITCHENOVERSIZED LOT

Property features AI

Exterior

  • Utilities: Public water; Public sewer
  • Home design: Residential property; Two-story home; Entry level: 1
  • Construction: Wood siding
  • Exterior features: Lot approximately 0.29 acres (90 x 140); Zoning: NC.1 / R-1

Interior

  • Kitchen: Range; Oven; Refrigerator; Dishwasher not listed
  • Bedrooms: One main-level bedroom
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Washer and Dryer included; Range and Oven; Refrigerator
  • Laundry & utility: Washer; Dryer

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 4-bed/2.0-bath single-family listed at $20k.

Deal economics

  • At list price, monthly cash flow is $860 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $20k).
  • Recommended offer: $19k (3.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 72/100 on livability (#104 in KS) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
  • Market conditions: 4 active listings in the ZIP; 19 units permitted in Barton County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $1k of equity ($138 loan paydown + $1k appreciation (6.2% local appreciation)).
  • Barton County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (6.2% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 58 days — a 3% lower offer ($19k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 11y ago; this cycle's ask has dropped $60k (75%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $19,400 (3.0% below list)

Questions for the listing agent

  1. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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
6.32%
Cap rate
57.88%
Cash-on-cash
184.24%
DSCR
9.20
GRM
1.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

6.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
11.85×
Total profit
$60,760
Equity at exit
$12,792
10-year hold
IRR
Equity multiple
25.26×
Total profit
$135,829
Equity at exit
$23,388

Cash invested: $5,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
83 Strongly Landlord-Friendly
State Kansas
83 Strongly Landlord-Friendly · R+10
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; moderate court pace.

ZIP-level market 67525

Home prices YoY
3.6%
Active inventory
4
Price-to-rent
1.3×

Monthly cashflow live

Estimated rent
$1,263 medium interval (Pro) →
Mortgage (P&I)
$105
Tax est. 1.5%
$25 /mo · $300/yr
Insurance
$8
HOA
$0
Vacancy / Maint / Mgmt
$265
Net cashflow
$860

Break-even live

Break-even rent $175
Max offer price $20,000
Occupancy floor 27%

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
$5,000
Closing costs
$600
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.

Listing history 19 events

  1. 2026-06-12
    statusdays on market $20,000 Pending 58 DOM
  2. 2026-06-05
    days on market $20,000 Active 166 DOM
  3. 2026-06-04
    days on market $20,000 Active 164 DOM
  4. 2026-06-02
    days on market $20,000 Active 163 DOM
  5. 2026-06-01
    days on market $20,000 Active 162 DOM
  6. 2026-05-31
    days on market $20,000 Active 161 DOM
  7. 2026-05-31
    days on market $20,000 Active 160 DOM
  8. 2026-02-23
    price $40,000
  9. 2026-02-17
    status Active
  10. 2025-08-09
    status Pending
  11. 2025-07-29
    price $55,000
  12. 2025-07-11
    price $60,000
  13. 2025-06-13
    price $65,000
  14. 2025-06-06
    listed $80,000 Active
  15. 2018-05-23
    historical
  16. 2017-05-23
    listed $29,900
  17. 2015-05-15
    listed $16,500
  18. 2008-04-01
    soldstatus $17,500
  19. 2001-04-01
    soldstatus $15,000

ⓘ 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 (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 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
$15,160
− Mortgage interest
−$1,120
− Property taxes
−$300
− Insurance
−$100
− Repairs & maintenance
−$1,213
− Management
−$1,213
− Depreciation
−$582
Taxable income
$10,632
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,552
After-tax cash flow
$7,766/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)

No district data.

Livability — Claflin

Score
72/100
State rank
#104
US rank
#6070

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Claflin, KS
Population (ZIP)
816

Population outlook (Barton County) Hauer SSP2

Today (2025)
26,088 people
By 2030
25,418 · -2.6%
By 2040
24,010 · -8.0%
By 2050
22,719 · -12.9%
By 2075
20,690 · -20.7%
By 2100
18,869 · -27.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (98%)
Race & ethnicity
White 98% Hispanic / Latino 2%
Common ancestry
Scotch-Irish 3% Lithuanian 3% Iranian 1%
Foreign-born
3%
Languages at home
98% English-only · Spanish 1% Other Indo-European 1%

Political lean MEDSL · Barton

2024 margin
Solid R (+56.8) · D 20.9% · R 77.6% · Other 1.5%
2008→2024 swing
-13.4pp toward R · 2008: -43.3pp · 2024: -56.8pp
All cycles
2024: R+56.8 2020: R+56.4 2016: R+58.9 2012: R+53.6 2008: R+43.3

Not yet ingested

Civics

Market trends

HPI YoY
▲ 6.17%
Current HPI
178.8024
Rent YoY
Metro
State GDP YoY
F500 in state
0

Price history

+166.7% since first listed
12 events — show timeline
  • 2026-02-23 Price Changed $40,000 Hays MLS
  • 2026-02-17 Relisted Hays MLS
  • 2025-08-09 Pending Hays MLS
  • 2025-07-29 Price Changed $55,000 Hays MLS
  • 2025-07-11 Price Changed $60,000 Hays MLS
  • 2025-06-13 Price Changed $65,000 Hays MLS
  • 2025-06-06 Listed $80,000 Hays MLS
  • 2018-05-23 Listing Removed SCKMLS as Distributed by MLS Grid
  • 2017-05-23 Listed $29,900 SCKMLS as Distributed by MLS Grid
  • 2015-05-15 Listed $16,500 SCKMLS as Distributed by MLS Grid
  • 2008-04-01 Sold (Public Records) $17,500 Public Records
  • 2001-04-01 Sold (Public Records) $15,000 Public Records

Property tax history

+9.4%/yr

Latest (2025): $1,122 · +10.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…