3 bd · 2.0 ba ·
2,360 sqft ·
Built 1950
· SingleFamily
· Active
· 301 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$1,223/mo
Mortgage (P&I)
−$420
Tax + insurance
−$117
HOA
−$0
Vac / Maint / Mgmt
−$257
Net cashflow
$429/mo
Annual
$5,152/yr
Cap rate
12.73%
Cash-on-cash
23.00%
DSCR
2.02
1% rule
1.53%
Cash to close
$22,400
Investor read
This is a 3-bed/2.0-bath single-family listed at $80k.
At list price, monthly cash flow is $429 ($5k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($1k rent vs $80k).
It's been on market 301 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
Location reads 48/100 on livability (#511 in AR) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A; Watch: employment D, schools F, amenities F.
Pulaski County Spec. School District (rural): math 27% / reading 31% proficiency, ranked #150 of 238 in AR (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
Market conditions: 81 active listings in the ZIP; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).
Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.
Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for listing agent
It's been on market 301 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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?
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.
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.
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.
CashFlowRE · CFR-AA85TY9RF10WHB
· Data 2 days agocashflowre.app · 2026-05-29