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115 Samantha Way
B+ Composite 79.08
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 +30.0/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +3.5/10.0
  • Livability +3.3/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +2.3/10.0

$99,000

115 Samantha Way · Canyonville, OR 97417
3 bd · 2.0 ba · 1,782 sqft · Manufactured public records · 369 Days on market
Built 2001 $56/sqft · 25% below area Est $131k · 25% under ↓ 11% since listing

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

Listing remarks MLS

Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

Key facts

  • Gated community
  • Rv parking
  • Formal dining room

Tags

GATED COMMUNITYRV PARKINGSPLIT FLOOR PLANPRIVATE PRIMARY SUITELARGE ISLAND KITCHENFORMAL DINING ROOM

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 $99k.

Deal economics

  • At list price, monthly cash flow is $698 ($8k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $99k).
  • Recommended offer: $87k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 66/100 on livability (#183 in OR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools D, amenities F, commute F.
  • South Umpqua SD 19 (town): math 21% / reading 34% proficiency, ranked #51 of 58 in OR (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 19 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 190 units permitted in Douglas County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Douglas County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 369 days — a 12% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts; this cycle's ask has dropped $43k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: major flood risk; severe wildfire risk; extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $87,120 (12.0% below list)

Questions for the listing agent

  1. It's been on market 369 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
1.73%
Cap rate
14.75%
Cash-on-cash
30.20%
DSCR
2.34
GRM
4.8

CMA / ARV

ARV (median comp)
$131,291
List price
$99,000
Delta
-24.59%
Verdict
UNDERPRICED
Comps
8 within 1.0 mi
Show comp detail 11 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
490 Knoll Terrace Dr 0.18mi 3/2.0 1,782 (0%) 2mo $125,000 $70 90
276 Wild Creek Way 0.32mi 3/2.0 1,782 (0%) 4mo $105,000 $59 81
453 Sandra Ct 0.23mi 4/2.0 (+1) 1,782 (0%) 8mo $258,000 $145 78
405 Knoll Terrace Dr 0.21mi 3/2.0 1,782 (0%) 16mo $155,000 $87 77
204 Samantha Way 0.09mi 3/2.0 1,640 (-8%) 9mo $157,500 $96 75
393 Knoll Terrace Dr 0.20mi 3/2.0 1,782 (0%) 21mo $158,500 $89 73
125 Comfort Ct 0.39mi 3/2.0 1,782 (0%) 11mo $174,000 $98 72
454 Knoll Terrace Dr 0.23mi 3/2.0 1,704 (-4%) 18mo $135,000 $79 67
402 Knoll Terrace Dr 0.21mi 3/2.0 1,704 (-4%) 24mo $145,000 $85 63
547 SW Fifth St 0.31mi 3/2.0 1,968 (+10%) 12mo $341,000 $173 58
204 Lucky Ridge Loop 0.28mi 2/2.0 (-1) 1,920 (+8%) 24mo $230,000 $120 49

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
24.8%
Equity multiple
2.02×
Total profit
$28,392
Equity at exit
$14,761
10-year hold
IRR
32.6%
Equity multiple
3.96×
Total profit
$81,955
Equity at exit
$8,560

Cash invested: $27,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
28 Tenant-Leaning
State Oregon
28 Tenant-Leaning · D+6
County
— inherits STATE
City
— inherits STATE
SB608 (2019): statewide rent cap (7% + CPI) and just-cause for tenancies > 1 yr. Portland has relocation assistance ordinance.

ZIP-level market 97417

Home prices YoY
-0.9%
Active inventory
19
Price-to-rent
4.8×

Monthly cashflow live

Estimated rent
$1,708 medium interval (Pro) →
Mortgage (P&I)
$519
Tax from tax record
$91 /mo · $1,095/yr
Insurance
$41
HOA
$0
Vacancy / Maint / Mgmt
$359
Net cashflow
$698

Break-even live

Break-even rent $825
Max offer price $99,000
Occupancy floor 54%

Sensitivity live

Price -10% $754 -5% $726 +0% $698 +5% $670 +10% $642
Rent -10% $563 -5% $630 +0% $698 +5% $765 +10% $832
Rate -1.0pp $747 -0.5pp $723 base $698 +0.5pp $672 +1.0pp $646

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
$24,750
Closing costs
$2,970
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
325 S Pine St Canyonville, OR 4.0 1.0 1640 $1,800 $1.10 44d 1 0.42mi
450 Maylea Pl Canyonville, OR 3.0 2.5 1232 $1,500 $1.22 44d 1 0.72mi

Listing history 23 events

  1. 2026-06-19
    days on market $99,000 Active 369 DOM
  2. 2026-06-18
    days on market $99,000 Active 368 DOM
  3. 2026-06-17
    days on market $99,000 Active 367 DOM
  4. 2026-06-16
    days on market $99,000 Active 366 DOM
  5. 2026-06-15
    days on market $99,000 Active 365 DOM
  6. 2026-06-14
    days on market $99,000 Active 363 DOM
  7. 2026-06-12
    days on market $99,000 Active 362 DOM
  8. 2026-06-09
    days on market $99,000 Active 359 DOM
  9. 2026-06-08
    days on market $99,000 Active 358 DOM
  10. 2026-06-07
    days on market $99,000 Active 357 DOM
  11. 2026-06-05
    days on market $99,000 Active 354 DOM
  12. 2026-06-02
    days on market $99,000 Active 352 DOM
  13. 2026-06-01
    days on market $99,000 Active 351 DOM
  14. 2026-05-31
    days on market $99,000 Active 350 DOM
  15. 2026-05-30
    days on market $99,000 Active 349 DOM
  16. 2026-01-13
    status Active 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  17. 2025-10-23
    price $126,000 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  18. 2025-09-19
    status Active 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  19. 2025-06-04
    status Active 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  20. 2025-05-22
    status Pending 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  21. 2025-04-07
    price $129,000 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  22. 2025-03-03
    price $139,000 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

  23. 2025-02-07
    listed $142,000 Active 607-char remark
    Show marketing remark (607 chars)

    Spacious & inviting! This fantastic home is situated in a gated, 55+ community is only minutes from Seven Feathers Casino with easy access to I-5. The spacious interior features generously sized bedrooms, split floor plan with a private primary suite & large attached bathroom with walk-in shower, soaking tub & dual sinks. You'll find plenty of living space plus formal dining room with built-in cabinets, large island kitchen, separate den/office, indoor laundry room for convenience & a finished 2 car garage for storage. RV parking is available for a monthly fee. Don't wait on this one!

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

Tax reassessment forecast OR · Resets to sale price

Current annual tax
$1,095 · $91/mo
Projected year-2 tax
$1,095 · $91/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
  • 🔥 Wildfire 8/10 Severe
  • 🌡 Heat 5/10 Major 8 d/yr ≥97°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 9/10 Extreme 13 unhealthy d/yr today · 15 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,495
− Mortgage interest
−$5,546
− Property taxes
−$1,095
− Insurance
−$495
− Repairs & maintenance
−$1,640
− Management
−$1,640
− Depreciation
−$2,880
Taxable income
$7,200
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,728
After-tax cash flow
$6,643/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
South Umpqua SD 19
NCES district ID
4111610
Math proficiency
21% ▼ -5.00%
Reading proficiency
34% ▼ -12.00%
Median HH income
$38,796
Composite
23.01/100
National rank
#7976
State rank
#51 of 58 in OR

Livability — Canyonville

Score
66/100
State rank
#183
US rank
#11206

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Canyonville, OR
Population (ZIP)
2,462

Population outlook (Douglas County) Hauer SSP2

Today (2025)
105,191 people
By 2030
102,664 · -2.4%
By 2040
96,668 · -8.1%
By 2050
91,279 · -13.2%
By 2075
79,395 · -24.5%
By 2100
66,107 · -37.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (75%)
Race & ethnicity
White 75% Two or more races 11% Hispanic / Latino 7% Asian 7% Native American 2%
Hispanic origin (detail)
Mexican 4% Puerto Rican 1%
Common ancestry
Serbian 4% Lithuanian 3% Iranian 3%
Foreign-born
1% · Canada
Languages at home
98% English-only · Spanish 1%

Political lean MEDSL · Douglas

2024 margin
Solid R (+37.7) · D 29.9% · R 67.6% · Other 2.5%
2008→2024 swing
-17.6pp toward R · 2008: -20.1pp · 2024: -37.7pp
All cycles
2024: R+37.7 2020: R+37.5 2016: R+39.4 2012: R+27.6 2008: R+20.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -3.05%
Current HPI
339.7648
Rent YoY
Metro
State GDP YoY
▲ 2.05%
F500 in state
2

Industry mix (Fortune 500 HQ in OR)

Industry F500 HQs Revenue

Price history

-11.3% since first listed
8 events — show timeline
  • 2026-01-13 Relisted RMLS
  • 2025-10-23 Price Changed $126,000 RMLS
  • 2025-09-19 Relisted RMLS
  • 2025-06-04 Relisted RMLS
  • 2025-05-22 Pending RMLS
  • 2025-04-07 Price Changed $129,000 RMLS
  • 2025-03-03 Price Changed $139,000 RMLS
  • 2025-02-07 Listed $142,000 RMLS

Property tax history

+0.6%/yr

Latest (2025): $1,095 · +2.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…