7800 Tayloe #119 · Independent Hill, VA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $666 – $1,236
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 14.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Schools +5.8/10.0
- Livability +3.0/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$73,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - We have found an excellent source that requires only 5% downpayment (depending on credit). Call for information on the approval process.
Key facts
- Great location
- Eat in
- Close to shops
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $73k.
Deal economics
- At list price, monthly cash flow is $2k ($21k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $73k).
- Recommended offer: $69k (6.0% below list) — sets the bar for market timing.
- Cap rate 35.0% vs local median 3.1% in Independent Hill — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 60/100 on livability (#449 in VA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
- Prince William County Public School District (suburban): math 54% / reading 72% proficiency, ranked #30 of 131 in VA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Coles Elementary (math 72% / reading 82%, grade A, #171 of 1,108 statewide, top 17%, 412 students, 42% FRL); Louise A. Benton Middle (math 53% / reading 81%, grade A-, #103 of 342 statewide, top 31%, 1,384 students, 21% FRL); Charles J. Colgan Sr. High (math 62% / reading 94%, grade A-, #80 of 319 statewide, top 25%, 2,907 students, 22% FRL) — zoned schools at 28% FRL track the district average.
- Market conditions: 134 active listings in the ZIP; high-income renter base; 1,418 units permitted in Prince William County in 2024 (625 in 5+ unit buildings).
- This rent is only 18% of the median local income ($195k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $505 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- Prince William County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
Negotiation context
- It's been on market 68 days — a 6% lower offer ($69k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 9y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $56k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- 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.
Questions for the listing agent
- It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- 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 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?
- 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.
Investment metrics
- 1% rule
- 3.91% ✓
- Cap rate
- 35.05%
- Cash-on-cash
- 102.70%
- DSCR
- 5.57
- GRM
- 2.1
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- —
- Equity multiple
- 5.87×
- Total profit
- $99,633
- Equity at exit
- $10,885
- IRR
- —
- Equity multiple
- 12.27×
- Total profit
- $230,404
- Equity at exit
- $6,312
Cash invested: $20,440 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 55 Moderately Landlord-Leaning
- State Virginia
- 55 Moderately Landlord-Leaning · D+2
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 20112
- Active inventory
- 134
- Price-to-rent
- 2.1×
Monthly cashflow live
- Estimated rent
- $2,853 medium interval (Pro) →
- Mortgage (P&I)
- −$383
- Tax est. 1.5%
- −$91 /mo · $1,095/yr
- Insurance
- −$30
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$599
- Net cashflow
- $1,749
Break-even live
Sensitivity live
| Price | -10% $1,800 | -5% $1,775 | +0% $1,749 | +5% $1,724 | +10% $1,699 |
|---|---|---|---|---|---|
| Rent | -10% $1,524 | -5% $1,637 | +0% $1,749 | +5% $1,862 | +10% $1,975 |
| Rate | -1.0pp $1,786 | -0.5pp $1,768 | base $1,749 | +0.5pp $1,730 | +1.0pp $1,711 |
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
- $18,250
- Closing costs
- $2,190
- 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 18 events
-
2026-06-21remarks 562-char remark
-
2026-06-21statusdays on market $73,000 Active 68 DOM
-
2026-04-19status Pending
-
2026-02-24price $73,000
-
2026-02-21status Active
-
2026-02-18status Pending
-
2026-02-09$78,000 Active
-
2021-04-30soldstatus $56,500 Closed 530-char remark
Show marketing remark (530 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - We have found an excellent source that requires only 5% downpayment (depending on credit). Call for information on the approval process.
-
2021-04-15status Pending 530-char remark
Show marketing remark (530 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - We have found an excellent source that requires only 5% downpayment (depending on credit). Call for information on the approval process.
-
2021-01-24$56,500 Active 530-char remark
Show marketing remark (530 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - We have found an excellent source that requires only 5% downpayment (depending on credit). Call for information on the approval process.
-
2018-04-20soldstatus $52,900 Closed 420-char remark
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2018-04-20soldstatus $52,900 Sold
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2018-04-03status Pending 420-char remark
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2018-03-21historical Active Under Contract 420-char remark
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2018-03-21status Contingent (No Kick Out)
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2018-01-23price $52,900
-
2017-11-25$52,900 Active 420-char remark
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
-
2017-11-25$54,900 Active
Show marketing remark (420 chars)
Spacious, three bedroom home feels brand new! Center island kitchen w/ breakfast counter & 42" cabinetry - Master bedroom suite w/ private bath & large master closet - Open living room & dining area w/ hardwood style flooring - Full size washer & dryer - Excellent location minutes to PW Parkway & 95! Owner occupants only with financing options available - Call for approval process.
ⓘ 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 3/10 Moderate
- Heat 7/10 Severe 7 d/yr ≥103°F today · 17 d/yr by 30 yrs out
- Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
- $34,236
- − Mortgage interest
- −$4,089
- − Property taxes
- −$1,095
- − Insurance
- −$365
- − Repairs & maintenance
- −$2,739
- − Management
- −$2,739
- − Depreciation
- −$2,124
- Taxable income
- $21,085
- Est. tax owed @ 24.0%
- −$5,061
- After-tax cash flow
- $15,932/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
- Prince William County Public School District
- NCES district ID
- 5103130
- Math proficiency
- 54% ▼ -28.00%
- Reading proficiency
- 72% ▼ -7.00%
- Median HH income
- $96,347
- Composite
- 57.92/100
- National rank
- #1041
- State rank
- #30 of 131 in VA
Livability — Independent Hill
- Score
- 60/100
- State rank
- #449
- US rank
- #19246
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Prince William County · 452,627 people
- Metro
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Population (ZIP)
- 30,500
- Household income
- $195,467
- Rent vs Own
- Severe rent burden
- 51.0
Population outlook (Prince William County) Hauer SSP2
- Today (2025)
- 539,759 people
- By 2030
- 582,629 · +7.9%
- By 2040
- 665,916 · +23.4%
- By 2050
- 740,796 · +37.2%
- By 2075
- 900,980 · +66.9%
- By 2100
- 985,833 · +82.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.57)
- Race & ethnicity
- White 62% Hispanic / Latino 17% Two or more races 13% Black 8% Asian 7%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 3%
- Common ancestry
- Romanian 3% Italian 3% Lithuanian 2%
- Foreign-born
- 15% · Canada, Jamaica, Vietnam
- Languages at home
- 77% English-only · Spanish 12% Other Indo-European 5% Arabic 1%
Political lean MEDSL · Prince William
- 2024 margin
- D (+18.0) · D 57.6% · R 39.6% · Other 2.8%
- 2008→2024 swing
- +2.1pp toward D · 2008: 15.9pp · 2024: 18.0pp
- All cycles
- 2024: D+18.0 2020: D+27.0 2016: D+20.0 2012: D+16.0 2008: D+15.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -274.57%
- Current HPI
- 288.6937
- Rent YoY
- —
- Metro
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- State GDP YoY
- ▲ 2.40%
- F500 in state
- 50
Industry mix (Fortune 500 HQ in VA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Aerospace / Defense | 4 | $236B |
|
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| Technology / Defense | 3 | $32B |
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| Financial Services | 2 | $176B |
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| Utilities | 2 | $27B |
|
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| Insurance | 2 | $25B |
|
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| Technology | 2 | $15B |
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Price history
+38.0% since first listed16 events — show timeline
- 2026-04-19 Pending — BRIGHT MLS
- 2026-02-24 Price Changed $73,000 BRIGHT MLS
- 2026-02-21 Relisted — BRIGHT MLS
- 2026-02-18 Pending — BRIGHT MLS
- 2026-02-09 Listed $78,000 BRIGHT MLS
- 2021-04-30 Sold (MLS) $56,500 BRIGHT MLS
- 2021-04-15 Pending — BRIGHT MLS
- 2021-01-24 Listed $56,500 BRIGHT MLS
- 2018-04-20 Sold (MLS) $52,900 MRIS
- 2018-04-20 Sold (MLS) $52,900 BRIGHT MLS
- 2018-04-03 Pending — BRIGHT MLS
- 2018-03-21 Contingent — BRIGHT MLS
- 2018-03-21 Pending — MRIS
- 2018-01-23 Price Changed $52,900 MRIS
- 2017-11-25 Listed $54,900 MRIS
- 2017-11-25 Listed $52,900 BRIGHT MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…