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17625 W Oatman Rd
B+ Composite 76.65
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
  • Rent growth +3.4/5.0
  • Schools +3.1/10.0
  • Livability +2.7/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$88,000

17625 W Oatman Rd · Avra Valley, AZ 85653
2 bd · 2.0 ba · 350 sqft · Manufactured public records · 47 Days on market
Built 1960 1.02 ac lot $251/sqft · 71% above area Est $125k · 30% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

SELLER CARRYBACK FINANCING MAY BE AVAILABLE WITH A MINIMUM 50% DOWN PAYMENT, SUBJECT TO SELLER APPROVAL AND MUTUALLY ACCEPTABLE TERMS. Bring your horses, toys, and vision to this private Blanco Estates property in Marana's Avra Valley area. Set on just over an acre with SH -- Suburban Homestead -- zoning, this property offers the space and flexibility many buyers are looking for in rural Pima County. The lot is mostly fenced and includes a vehicle gate at the frontage, a small metal corral, four saguaros, and fully paved road access to the home. BLM land is just down the road, adding to the appeal for those seeking open desert surroundings and room to breathe. The manufactured/mobile home h

Key facts

  • 1.02 acre lot
  • Built 1960
  • Listed 47 days

Property features AI

Finance

  • Other: Lot dimensions approximately 145 x 309; Lot zoning: Marana - SH; Lot size approximately 44,300 sq ft; Road surface: Chip and seal (county maintained)
  • HOA & community: Horses allowed; Paved street

Exterior

  • Security: Wrought iron security door
  • Utilities: Water provided by a water company; Septic tank
  • Home design: Mobile home; Single-story; Property faces north
  • Construction: Metal roof
  • Exterior features: Chain link fencing; Shed(s); North/South exposure; Paved street access

Interior

  • Kitchen: Refrigerator; Gas range
  • Flooring: Vinyl flooring; Laminate flooring
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Natural gas heating; Evaporative cooling
  • Interior features: Wrought iron security door; Gas hookup available

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 2-bed/2.0-bath manufactured listed at $88k.

Deal economics

  • At list price, monthly cash flow is $585 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $88k).
  • Recommended offer: $85k (3.0% below list) — sets the bar for market timing.
  • Cap rate 14.3% vs local median 5.9% in Avra Valley — 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 54/100 on livability (#275 in AZ) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D-, amenities F, commute F.
  • Marana Unified District (4404) (suburban): math 31% / reading 37% proficiency, ranked #83 of 249 in AZ (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Roadrunner Elementary School (math 12% / reading 22%, grade F, #814 of 1,109 statewide, top 76%, 374 students, 73% FRL); Marana Middle School (math 24% / reading 30%, grade F, #97 of 218 statewide, top 45%, 907 students, 44% FRL); Marana High School (math 21% / reading 24%, grade F, #210 of 381 statewide, top 55%, 2,379 students, 36% FRL) — zoned schools average 51% FRL vs 35% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising (+3.4%/yr); 412 active listings in the ZIP; solid renter incomes; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $608 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.4% rent growth), your $25k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 47 days — a 3% lower offer ($85k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 32y ago; this cycle's ask has dropped $12k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • 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.
Recommended offer $85,360 (3.0% below list)

Questions for the listing agent

  1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. 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.
  7. 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.
  8. 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
1.64%
Cap rate
14.27%
Cash-on-cash
28.49%
DSCR
2.27
GRM
5.1

CMA / ARV

ARV (median comp)
$125,191
List price
$88,000
Delta
-29.71%
Verdict
UNDERPRICED
Comps
7 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.43% rent growth · sell at horizon

5-year hold
IRR
23.2%
Equity multiple
1.96×
Total profit
$23,620
Equity at exit
$13,121
10-year hold
IRR
31.4%
Equity multiple
3.89×
Total profit
$71,107
Equity at exit
$7,609

Cash invested: $24,640 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Arizona
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

ZIP-level market 85653

Home prices YoY
-21.8%
Rents YoY
3.4%
Active inventory
412
Price-to-rent
5.1×

Monthly cashflow live

Estimated rent
$1,445 medium interval (Pro) →
Mortgage (P&I)
$461
Tax from tax record
$58 /mo · $701/yr
Insurance
$37
HOA
$0
Vacancy / Maint / Mgmt
$303
Net cashflow
$585

Break-even live

Break-even rent $705
Max offer price $88,000
Occupancy floor 55%

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
$22,000
Closing costs
$2,640
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 25 events

  1. 2026-06-18
    days on market $88,000 Active 47 DOM
  2. 2026-06-17
    price $88,000 Active 46 DOM
  3. 2026-06-17
    days on market $89,000 Active 46 DOM
  4. 2026-06-16
    days on market $89,000 Active 45 DOM
  5. 2026-06-15
    days on market $89,000 Active 44 DOM
  6. 2026-06-13
    days on market $89,000 Active 42 DOM
  7. 2026-06-13
    remarks 699-char remark
  8. 2026-06-13
    days on market $89,000 Active 41 DOM
  9. 2026-06-10
    days on market $89,000 Active 39 DOM
  10. 2026-06-09
    days on market $89,000 Active 38 DOM
  11. 2026-06-08
    days on market $89,000 Active 37 DOM
  12. 2026-06-07
    days on market $89,000 Active 36 DOM
  13. 2026-06-05
    days on market $89,000 Active 33 DOM
  14. 2026-06-03
    days on market $89,000 Active 32 DOM
  15. 2026-06-02
    days on market $89,000 Active 31 DOM
  16. 2026-06-01
    days on market $89,000 Active 30 DOM
  17. 2026-05-31
    days on market $89,000 Active 29 DOM
  18. 2026-05-02
    listed $100,000 Active 696-char remark
  19. 2023-05-08
    soldstatus $82,000
  20. 2002-02-01
    historical
  21. 2000-08-06
    historical
  22. 2000-02-04
    listed $53,900
  23. 2000-01-22
    historical
  24. 1999-09-22
    listed $53,900
  25. 1994-11-30
    listed $33,000

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

Tax reassessment forecast AZ · Resets to sale price

Current annual tax
$701 · $58/mo
Projected year-2 tax
$701 · $58/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 6/10 Major
  • 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$17,341
− Mortgage interest
−$4,929
− Property taxes
−$701
− Insurance
−$440
− Repairs & maintenance
−$1,387
− Management
−$1,387
− Depreciation
−$2,560
Taxable income
$5,936
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,425
After-tax cash flow
$5,596/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
Marana Unified District (4404)
NCES district ID
0404630
Math proficiency
31% ▼ -11.00%
Reading proficiency
37% ▼ -5.00%
Median HH income
$65,282
Composite
30.96/100
National rank
#6103
State rank
#83 of 249 in AZ

Livability — Avra Valley

Score
54/100
State rank
#275
US rank
#23869

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Avra Valley, AZ
County
Pima County · 1,012,107 people
Metro
Tucson, AZ
Population (ZIP)
23,574
Household income
$86,154
Rent vs Own
15.4% rent · 84.6% own
Severe rent burden
181.0

Population outlook (Pima County) Hauer SSP2

Today (2025)
1,066,056 people
By 2030
1,086,684 · +1.9%
By 2040
1,117,160 · +4.8%
By 2050
1,149,778 · +7.9%
By 2075
1,271,480 · +19.3%
By 2100
1,321,160 · +23.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.55)
Race & ethnicity
White 61% Hispanic / Latino 27% Two or more races 15% Black 3% Native American 2% Asian 1%
Hispanic origin (detail)
Mexican 22% Puerto Rican 2%
Common ancestry
Romanian 4% Lithuanian 2% Slovak 2%
Foreign-born
6% · Canada
Languages at home
88% English-only · Spanish 9% Other Asian/Pacific 1%

Political lean MEDSL · Pima

2024 margin
D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
2008→2024 swing
+9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
All cycles
2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -69.29%
Current HPI
249.3403
Rent YoY
▲ 3.43%
Metro
Tucson, AZ
State GDP YoY
▲ 4.54%
F500 in state
20

Industry mix (Fortune 500 HQ in AZ)

Industry F500 HQs Revenue

Price history

+166.7% since first listed
10 events — show timeline
  • 2026-06-17 Price Changed $88,000 MLSSAZ
  • 2026-05-22 Price Changed $89,000 MLSSAZ
  • 2026-05-02 Listed $100,000 MLSSAZ
  • 2023-05-08 Sold (Public Records) $82,000 Public Records
  • 2002-02-01 Listing Removed MLSSAZ
  • 2000-08-06 Listing Removed MLSSAZ
  • 2000-02-04 Listed $53,900 MLSSAZ
  • 2000-01-22 Listing Removed MLSSAZ
  • 1999-09-22 Listed $53,900 MLSSAZ
  • 1994-11-30 Listed $33,000 MLSSAZ

Property tax history

+56.7%/yr

Latest (2025): $701 · +4.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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