430 Juniper St · Scotland, SD 57059

$60,000

2 bd · 1.0 ba · 1,232 sqft · SingleFamily · 10 Days on market

Built 1910 0.33 ac lot Est $87k · 31% under

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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 +28.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• Appreciation +5.0/10.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Key facts

• Mudroom porch area
• Large kitchen
• Outdoor space

Tags

• OUTDOOR SPACE
• MUDROOM PORCH AREA
• 2 CAR GARAGE
• LARGE KITCHEN

Property features AI

Finance

• Other: Listing broker: Vision Real Estate Services; Listing agent: Meg Martin (605-517-3637)

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property
• Construction: Asphalt/Shingle roof
• Exterior features: Asphalt shingle roof; Public water; Public sewer; Lot approximately 0.33 acre

Interior

• Kitchen: Cooktop; Refrigerator
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas forced air heating; Window air conditioning units
• Interior features: Partial basement; Dryer, Washer, Refrigerator, Cooktop
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $194 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($770 rent vs $60k).

Location & tenants

• Location reads 69/100 on livability (#73 in SD) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• Scotland School District 04-3 (rural): math 35% / reading 45% proficiency, ranked #114 of 148 in SD (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 3 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 18 units permitted in Bon Homme County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($415 loan paydown + $2k appreciation (3.0% local appreciation)).
• At projected returns (3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $60,000

Questions for the listing agent

1. Built in 1910 — 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 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?
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: 1.28% ✓
• Cap rate: 10.17%
• Cash-on-cash: 13.83%
• DSCR: 1.62
• GRM: 6.5

CMA / ARV

• ARV (on-the-fly): $87,472
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
510 5th St St	0.20mi	2/1.0	1,224 (-1%)	3mo	$87,500	$71	88
330 Washington St	0.08mi	2/1.0	1,120 (-9%)	3mo	$32,500	$29	78
550 Washington St	0.12mi	3/2.0 (+1)	1,410 (+14%)	15mo	$120,000	$85	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: 20.5%
• Equity multiple: 2.17×
• Total profit: $19,573
• Equity at exit: $26,979

10-year hold

• IRR: 21.6%
• Equity multiple: 4.12×
• Total profit: $52,419
• Equity at exit: $41,577

Cash invested: $16,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State South Dakota: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

3-day notice; mostly landlord-friendly.

Methodology + full state rankings →

ZIP-level market 57059

• Active inventory: 3
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $770 medium
• Mortgage (P&I): −$315
• Tax est. 1.5%: −$75 /mo · $900/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$162
• Net cashflow: $194

Break-even live

Break-even rent $525

Max offer price $60,000

Occupancy floor 70%

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: $15,000
• Closing costs: $1,800
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
411 Stafford St Scotland, SD	2.0	1.0	1134	$770	$0.68	43d	1	0.42mi

Listing history 2 events

1. 2026-05-02
   status Pending
2. 2026-04-21
   listed $60,000 Active

ⓘ 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 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,240
• − Mortgage interest: −$3,361
• − Property taxes: −$900
• − Insurance: −$300
• − Repairs & maintenance: −$739
• − Management: −$739
• − Depreciation: −$1,745
• Taxable income: $1,455
• Est. tax owed @ 24.0%: −$349
• After-tax cash flow: $1,975/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: Scotland School District 04-3
• NCES district ID: 4665180
• Math proficiency: 35% ▼ -10.00%
• Reading proficiency: 45% ▬ 0.00%
• Median HH income: $46,743
• Composite: 36.59/100
• National rank: #9274
• State rank: #114 of 148 in SD

Livability — Scotland

• Score: 69/100
• State rank: #73
• US rank: #8473

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scotland, SD
• Population (ZIP): 1,291

Population outlook (Bon Homme County) Hauer SSP2

• Today (2025): 6,947 people
• By 2030: 6,956 · +0.1%
• By 2040: 6,978 · +0.4%
• By 2050: 7,140 · +2.8%
• By 2075: 8,411 · +21.1%
• By 2100: 10,108 · +45.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4%
• Common ancestry: Portuguese 5% Scotch-Irish 2% Romanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Bon Homme

• 2024 margin: Solid R (+51.4) · D 23.3% · R 74.7% · Other 2.0%
• 2008→2024 swing: -40.6pp toward R · 2008: -10.9pp · 2024: -51.4pp
• All cycles: 2024: R+51.4 2020: R+50.5 2016: R+47.1 2012: R+21.6 2008: R+10.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 0.70%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SD)

Industry	F500 HQs	Revenue
▸Utilities	1	$1B

Price history

2 events — show timeline

• 2026-05-02 Pending — MARMLS
• 2026-04-21 Listed $60,000 MARMLS