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506 Mower St
B- Composite 69.05
Why this score? — see what drove the B- 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 +26.8/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.2/10.0
  • 1% rule +6.4/10.0
  • Rent growth +3.2/5.0
  • Livability +3.1/5.0
  • Schools +2.9/10.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$130,000

506 Mower St · Duenweg, MO 64801
4 bd · 1.0 ba · 1,515 sqft · SingleFamily public records · 30 Days on market
Built 1940 0.41 ac lot Est $232k · 44% under

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

Listing remarks MLS

This charming 3-bedroom, 1-bath home offers the perfect blend of character, comfort, and functionality. The finished attic has been thoughtfully converted into a spacious third bedroom, creating a cozy retreat with added versatility. Situated on approximately . 42 acres, the property provides plenty of outdoor space to enjoy. Inside, you'll find a practical mud room/laundry room combination that adds convenience and extra storage. Step outside to relax or entertain on the covered back deck overlooking the large backyard -- ideal for gatherings, morning coffee, or quiet evenings at home. With its inviting layout, usable outdoor space, and unique finished attic bedroom, this home is full of potential and ready for its next owner.

Key facts

  • Finished attic
  • Large backyard
  • Covered back deck

Tags

FINISHED ATTICMUD ROOM LAUNDRY ROOMCOVERED BACK DECKLARGE BACKYARD

Property features AI

Exterior

  • Parking: 2-car detached garage; 1-car detached carport; Additional parking described as 2-car detached garage and 1-car detached carport
  • Utilities: Public sewer
  • Home design: Residential townhouse (single family with common wall)
  • Construction: Vinyl siding; Block foundation; Built with metal roofing
  • Exterior features: Covered patio/porch; Deck; Porch; Privacy wood fencing; Metal roof; Outdoor storage structure

Interior

  • Flooring: Carpet; Vinyl
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Forced air heating; Cooling present
  • Interior features: Wood-burning fireplace; Carpet and vinyl flooring; Crawl space basement; 8 total rooms

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/1.0-bath single-family listed at $130k.

Deal economics

  • At list price, monthly cash flow is $355 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $130k).
  • Recommended offer: $128k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 62/100 on livability (#377 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F, employment F.
  • Joplin Schools (urban): math 30% / reading 39% proficiency, ranked #231 of 324 in MO (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Soaring Heights Elem. (math 17% / reading 22%, grade F, #941 of 1,115 statewide, top 86%, 407 students, 56% FRL); East Middle (math 22% / reading 40%, grade F, #279 of 391 statewide, top 72%, 597 students, 66% FRL); Joplin High (math 32% / reading 46%, grade F, #287 of 521 statewide, top 55%, 2,233 students, 50% FRL) — zoned schools at 57% FRL track the district average.
  • Market conditions: Rents rising (+3.0%/yr); 378 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 602 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).
  • This rent runs 34% of the median local income ($53k/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 $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 30 days — a 2% lower offer ($128k) 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

  • Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $128,050 (1.5% below list)

Questions for the listing agent

  1. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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.
  5. 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.
  6. 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
1.14%
Cap rate
9.57%
Cash-on-cash
11.69%
DSCR
1.52
GRM
7.3

CMA / ARV

ARV (on-the-fly)
$231,795
Comps found
3
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
308 Webb St 0.18mi 3/2.0 (-1) 1,312 (-13%) 2mo $129,900 $99 59
209 Sophia Jane N/A 0.51mi 3/2.0 (-1) 1,550 (+2%) 19mo $237,000 $153 48
312 Molly Dean Dr 0.61mi 3/2.0 (-1) 1,734 (+14%) 9mo $276,230 $159 31

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 · 2.95% rent growth · sell at horizon

5-year hold
IRR
1.0%
Equity multiple
1.04×
Total profit
$1,409
Equity at exit
$19,383
10-year hold
IRR
10.6%
Equity multiple
1.82×
Total profit
$29,873
Equity at exit
$11,240

Cash invested: $36,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
81 Strongly Landlord-Friendly
State Missouri
81 Strongly Landlord-Friendly · R+10
County
— inherits STATE
City
— inherits STATE
Generally landlord-friendly; St Louis has some habitability requirements.

ZIP-level market 64801

Rents YoY
3.0%
Active inventory
378
Price-to-rent
7.3×

Monthly cashflow live

Estimated rent
$1,477 medium interval (Pro) →
Mortgage (P&I)
$682
Tax from tax record
$77 /mo · $919/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$310
Net cashflow
$355

Break-even live

Break-even rent $1,028
Max offer price $130,000
Occupancy floor 71%

Sensitivity live

Price -10% $428 -5% $391 +0% $355 +5% $318 +10% $281
Rent -10% $238 -5% $296 +0% $355 +5% $413 +10% $471
Rate -1.0pp $420 -0.5pp $388 base $355 +0.5pp $321 +1.0pp $287

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
$32,500
Closing costs
$3,900
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 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
332 Alex Jordan Dr Duenweg, MO 3.0 2.0 1445 $1,350 $0.93 22d 1 0.83mi
119 Eagle Edge Dr Duenweg, MO 3.0 2.0 1200 $1,550 $1.29 22d 1 0.88mi
506 Alex Jordan Dr Duenweg, MO 3.0 2.0 1445 $1,399 $0.97 22d 1 0.91mi

Listing history 22 events

  1. 2026-06-21
    days on market $130,000 Active 30 DOM
  2. 2026-06-19
    days on market $130,000 Active 28 DOM
  3. 2026-06-18
    days on market $130,000 Active 27 DOM
  4. 2026-06-17
    days on market $130,000 Active 26 DOM
  5. 2026-06-16
    days on market $130,000 Active 25 DOM
  6. 2026-06-15
    days on market $130,000 Active 24 DOM
  7. 2026-06-14
    days on market $130,000 Active 22 DOM
  8. 2026-06-13
    days on market $130,000 Active 21 DOM
  9. 2026-06-10
    days on market $130,000 Active 19 DOM
  10. 2026-06-09
    days on market $130,000 Active 18 DOM
  11. 2026-06-08
    days on market $130,000 Active 17 DOM
  12. 2026-06-07
    days on market $130,000 Active 16 DOM
  13. 2026-06-05
    days on market $130,000 Active 13 DOM
  14. 2026-06-03
    days on market $130,000 Active 12 DOM
  15. 2026-06-02
    days on market $130,000 Active 11 DOM
  16. 2026-06-01
    days on market $130,000 Active 10 DOM
  17. 2026-05-31
    days on market $130,000 Active 9 DOM
  18. 2026-05-30
    days on market $130,000 Active 8 DOM
  19. 2026-05-21
    listed $130,000 Active
    Show marketing remark (737 chars)

    This charming 3-bedroom, 1-bath home offers the perfect blend of character, comfort, and functionality. The finished attic has been thoughtfully converted into a spacious third bedroom, creating a cozy retreat with added versatility. Situated on approximately . 42 acres, the property provides plenty of outdoor space to enjoy. Inside, you'll find a practical mud room/laundry room combination that adds convenience and extra storage. Step outside to relax or entertain on the covered back deck overlooking the large backyard -- ideal for gatherings, morning coffee, or quiet evenings at home. With its inviting layout, usable outdoor space, and unique finished attic bedroom, this home is full of potential and ready for its next owner.

  20. 2026-05-21
    listed $130,000 Active 737-char remark
    Show marketing remark (737 chars)

    This charming 3-bedroom, 1-bath home offers the perfect blend of character, comfort, and functionality. The finished attic has been thoughtfully converted into a spacious third bedroom, creating a cozy retreat with added versatility. Situated on approximately . 42 acres, the property provides plenty of outdoor space to enjoy. Inside, you'll find a practical mud room/laundry room combination that adds convenience and extra storage. Step outside to relax or entertain on the covered back deck overlooking the large backyard -- ideal for gatherings, morning coffee, or quiet evenings at home. With its inviting layout, usable outdoor space, and unique finished attic bedroom, this home is full of potential and ready for its next owner.

  21. 2009-06-05
    soldstatus
  22. 2002-05-17
    soldstatus

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

Tax reassessment forecast MO · Resets to sale price

Current annual tax
$919 · $77/mo
Projected year-2 tax
$1,261 · $105/mo
Expected delta
+$342/yr (+$29/mo · 37.2%)

ⓘ 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 4/10 Moderate
  • 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 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
$17,726
− Mortgage interest
−$7,282
− Property taxes
−$919
− Insurance
−$650
− Repairs & maintenance
−$1,418
− Management
−$1,418
− Depreciation
−$3,782
Taxable income
$2,258
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$542
After-tax cash flow
$3,712/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
Joplin Schools
NCES district ID
2916350
Math proficiency
30% ▼ -3.00%
Reading proficiency
39% ▼ -3.00%
Median HH income
$38,648
Composite
28.82/100
National rank
#6657
State rank
#231 of 324 in MO

Livability — Duenweg

Score
62/100
State rank
#377
US rank
#16618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Duenweg, MO
County
Jasper County · 79,035 people
City population
1,326
Metro
Joplin, MO
Population (ZIP)
36,287
Household income
$52,620
Rent vs Own
46.7% rent · 53.3% own
Severe rent burden
1710.0

Population outlook (Jasper County) Hauer SSP2

Today (2025)
120,033 people
By 2030
120,091 · +0.0%
By 2040
119,297 · -0.6%
By 2050
117,705 · -1.9%
By 2075
110,402 · -8.0%
By 2100
99,719 · -16.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (82%)
Race & ethnicity
White 82% Two or more races 8% Hispanic / Latino 6% Black 3% Asian 2% Native American 1%
Hispanic origin (detail)
Mexican 4%
Common ancestry
Slovak 2% Lithuanian 2% Italian 2%
Foreign-born
4% · Canada
Languages at home
94% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Jasper

2024 margin
Solid R (+46.8) · D 25.9% · R 72.7% · Other 1.4%
2008→2024 swing
-13.6pp toward R · 2008: -33.2pp · 2024: -46.8pp
All cycles
2024: R+46.8 2020: R+46.2 2016: R+50.8 2012: R+41.0 2008: R+33.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -174.15%
Current HPI
248.5056
Rent YoY
▲ 2.95%
Metro
Joplin, MO
State GDP YoY
▲ 1.84%
F500 in state
20

Industry mix (Fortune 500 HQ in MO)

Industry F500 HQs Revenue

Price history

+0.0% since first listed
4 events — show timeline
  • 2026-05-21 Listed $130,000 SOMO
  • 2026-05-21 Listed $130,000 OGAR
  • 2009-06-05 Sold (Public Records) Public Records
  • 2002-05-17 Sold (Public Records) Public Records

Property tax history

+4.3%/yr

Latest (2025): $919 · +19.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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