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B- Composite 66.99
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
  • Rent growth +3.3/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.2/10.0
  • Appreciation +0.0/10.0

$50,000

1552 Woodliff St · Macon-Bibb County, GA 31201
3 bd · 1.0 ba · 896 sqft · SingleFamily public records · 102 Days on market
Built 1994 6,534 sqft lot $56/sqft · 60% above area ↓ 9% since listing

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

Listing remarks MLS

Back on the market and Priced to Sell. Don't miss the chance to take advantage of this affordable HOME!

Key facts

  • 6,534 sq ft lot
  • Built 1994
  • Listed 101 days

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/1.0-bath single-family listed at $50k.

Deal economics

  • At list price, monthly cash flow is $418 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $50k).
  • Recommended offer: $46k (9.0% below list) — sets the bar for market timing.
  • Cap rate 17.9% vs local median 5.4% in Macon-Bibb County — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
  • Bibb County (urban): math 11% / reading 18% proficiency, ranked #161 of 174 in GA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising (+3.1%/yr); 75 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 154 units permitted in Bibb County in 2024 (0 in 5+ unit buildings).
  • At $1,187/mo this rent would consume 48% of the median local household income ($29k/yr) (locally 1124% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $346 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Bibb County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 3.1% rent growth), your $14k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 102 days — a 9% lower offer ($46k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Watch-outs: property tax is 4.1% of price; flood insurance adds $66/mo.
  • Climate carrying-cost: severe flood risk; major wind risk, 65% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $45,500 (9.0% below list)

Questions for the listing agent

  1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  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
2.37%
Cap rate
17.92%
Cash-on-cash
41.53%
DSCR
2.85
GRM
3.5

CMA / ARV

ARV (median comp)
$31,232
List price
$50,000
Delta
60.09%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
349 Madison St 0.27mi 2/1.0 (-1) 896 (0%) 2mo $26,000 $29 80
1438 2nd Ave 0.21mi 2/1.0 (-1) 894 (-0%) 13mo $15,000 $17 74
1317 Woodliff St 0.18mi 2/1.0 (-1) 824 (-8%) 1mo $6,000 $7 72
1554 Walnut St 0.04mi 2/1.0 (-1) 1,008 (+12%) 1mo $35,000 $35 71
195 Forest Ave 0.47mi 2/2.0 (-1) 872 (-3%) 7mo $17,000 $19 58
191 Madison St 0.19mi 2/1.0 (-1) 1,024 (+14%) 10mo $30,000 $29 54
827 Tattnall St 0.68mi 2/2.0 (-1) 918 (+2%) 2mo $145,000 $158 54
293 Moughon St 0.33mi 3/1.0 1,015 (+13%) 20mo $62,700 $62 46
295 Moughon St 0.32mi 3/1.0 1,015 (+13%) 20mo $62,700 $62 46
1930 Mallory Dr 0.48mi 3/1.0 1,029 (+15%) 15mo $72,900 $71 40
2169 Neal Ave 0.68mi 2/1.0 (-1) 1,029 (+15%) 11mo $55,000 $53 29
366 Gaillard St 0.73mi 2/2.0 (-1) 1,025 (+14%) 9mo $38,000 $37 26

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 · 3.11% rent growth · sell at horizon

5-year hold
IRR
31.8%
Equity multiple
2.34×
Total profit
$18,778
Equity at exit
$7,455
10-year hold
IRR
39.1%
Equity multiple
4.69×
Total profit
$51,683
Equity at exit
$4,323

Cash invested: $14,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

ZIP-level market 31201

Rents YoY
3.1%
Active inventory
75
Price-to-rent
3.5×

Monthly cashflow live

Estimated rent
$1,187 high interval (Pro) →
Mortgage (P&I)
$262
Tax from tax record
$170 /mo · $2,044/yr
Insurance
$21
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$0
Vacancy / Maint / Mgmt
$249
Net cashflow
$418

Break-even live

Break-even rent $658
Max offer price $50,000
Occupancy floor 60%

Sensitivity live

Price -10% $446 -5% $432 +0% $418 +5% $404 +10% $390
Rent -10% $324 -5% $371 +0% $418 +5% $465 +10% $512
Rate -1.0pp $443 -0.5pp $431 base $418 +0.5pp $405 +1.0pp $392

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
$12,500
Closing costs
$1,500
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 36 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1417 Woodliff St Macon, GA 3.0 1.0 908 $1,100 $1.21 22d 1 0.11mi
1408 2nd Ave Macon, GA 2.0 1.5 600 $1,095 $1.82 44d 1 0.20mi
285 Moughon St Macon, GA 3.0 1.0 1015 $900 $0.89 14d 1 0.30mi
347 College St Macon, GA 2.0 1.0–2.0 725 $2,600 $3.59 14d 4 0.33mi
218 Orange St Macon, GA 2.0 1.0 1100 $1,300 $1.18 22d 1 0.41mi
1975 Vineville Ave Macon, GA 1.0–3.0 1.0 1050 $950 $0.90 22d 5 0.46mi
1930 Northbrook Ave Macon, GA 3.0 1.0 1071 $1,400 $1.31 14d 1 0.50mi
1930 Northbrook Ave Macon, GA 3.0 1.0 1071 $1,400 $1.31 44d 1 0.50mi
941 Hill Park Unit 2 Macon, GA 2.0 1.0 800 $850 $1.06 22d 1 0.60mi
952 Georgia Ave Macon, GA 2.0 2.0 1115 $1,295 $1.16 44d 1 0.60mi
952 Georgia Ave Unit 3 Macon, GA 2.0 1.0 900 $950 $1.06 14d 1 0.60mi
955 Walnut St Unit B Macon, GA 2.0 1.0 840 $1,075 $1.28 44d 1 0.61mi
864 Tattnall St Macon, GA 2.0 1.0 640 $800 $1.25 44d 1 0.70mi
813 Forsyth St Unit C Macon, GA 2.0 2.0 1105 $1,400 $1.27 14d 1 0.82mi
260 Ryals Ave Macon, GA 2.0 1.0 690 $875 $1.27 44d 1 0.84mi
2350 English Ave Apt 3D Macon, GA 3.0 1.5 980 $1,095 $1.12 44d 1 0.88mi
867 Orange Ter #2 Macon, GA 2.0 1.0 1088 $1,500 $1.38 44d 1 0.93mi
867 Orange Ter Unit B Macon, GA 2.0 2.0 1088 $1,400 $1.29 44d 1 0.93mi
1249 Duncan Ave Unit B Macon, GA 2.0 2.0 700 $1,095 $1.56 44d 1 0.94mi
1249 Duncan Ave Unit C Macon, GA 2.0 2.0 900 $795 $0.88 44d 1 0.94mi
130 Calloway Dr Macon, GA 2.0 2.0 950 $950 $1.00 44d 1 0.96mi
132 Oak Haven Ave Macon, GA 2.0 1.0 720 $975 $1.35 44d 1 0.97mi
2370 Rogers Pl Macon, GA 2.0 1.0 832 $925 $1.11 44d 1 0.98mi
185 Oak Haven Ave Apt A4 Macon, GA 3.0 2.0 1100 $1,200 $1.09 22d 1 1.01mi
2375 Parker Ave Unit 3 Macon, GA 2.0 1.0 850 $1,200 $1.41 44d 1 1.04mi
476 3rd St Macon, GA 2.0 1.0 942 $1,850 $1.96 14d 8 1.15mi
482 Poplar St Macon, GA 1.0–2.0 1.0–2.0 850 $1,425 $1.68 22d 4 1.15mi
462 Cherry St Macon, GA 2.0 1.0–2.0 988 $3,000 $3.03 14d 25 1.15mi
470 Poplar St Unit 202 Macon, GA 2.0 2.0 1000 $1,425 $1.43 44d 1 1.16mi
853 North Ave Macon, GA 2.0 1.5 950 $865 $0.91 44d 1 1.30mi
832 Elm St Macon, GA 3.0 2.0 1121 $1,175 $1.05 44d 1 1.33mi
2585 Napier Ave Unit B Macon, GA 2.0 2.0 644 $850 $1.32 22d 1 1.35mi
1069 Boulevard Macon, GA 2.0 1.0 832 $900 $1.08 14d 1 1.38mi
2755 Vineville Ave Unit B Macon, GA 3.0 2.0 900 $1,375 $1.53 44d 1 1.41mi
1086 Clinton Rd Macon, GA 2.0 1.0 600 $800 $1.33 44d 1 1.44mi
1086 Clinton Rd Macon, GA 2.0 1.0 600 $800 $1.33 22d 1 1.44mi

Listing history 25 events

  1. 2026-06-19
    days on market $50,000 Active 102 DOM
  2. 2026-06-18
    days on market $50,000 Active 101 DOM
  3. 2026-06-17
    days on market $50,000 Active 100 DOM
  4. 2026-06-16
    days on market $50,000 Active 99 DOM
  5. 2026-06-15
    days on market $50,000 Active 98 DOM
  6. 2026-06-14
    days on market $50,000 Active 96 DOM
  7. 2026-06-13
    days on market $50,000 Active 95 DOM
  8. 2026-06-10
    days on market $50,000 Active 93 DOM
  9. 2026-06-09
    days on market $50,000 Active 92 DOM
  10. 2026-06-09
    days on market $50,000 Active 91 DOM
  11. 2026-06-07
    days on market $50,000 Active 90 DOM
  12. 2026-06-03
    days on market $50,000 Active 86 DOM
  13. 2026-06-02
    days on market $50,000 Active 85 DOM
  14. 2026-06-01
    days on market $50,000 Active 84 DOM
  15. 2026-05-31
    days on market $50,000 Active 83 DOM
  16. 2026-05-30
    days on market $50,000 Active 82 DOM
  17. 2026-03-09
    listed $50,000 New 105-char remark
    Show marketing remark (105 chars)

    Back on the market and Priced to Sell. Don't miss the chance to take advantage of this affordable HOME!

  18. 2025-07-31
    historical
  19. 2025-07-31
    historical
  20. 2025-04-02
    listed $50,000 Active
  21. 2025-04-02
    listed $50,000 New
  22. 2024-05-31
    historical
  23. 2024-05-31
    historical
  24. 2024-04-18
    listed $55,000 Active
  25. 2024-04-17
    listed $55,000 New

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

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$2,044 · $170/mo
Projected year-2 tax
$2,044 · $170/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 65% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 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
$14,246
− Mortgage interest
−$2,801
− Property taxes
−$2,044
− Insurance
−$1,048
− Repairs & maintenance
−$1,140
− Management
−$1,140
− Depreciation
−$1,455
Taxable income
$4,620
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,109
After-tax cash flow
$3,907/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
Bibb County
NCES district ID
1300420
Math proficiency
11% ▼ -14.00%
Reading proficiency
18% ▼ -11.00%
Median HH income
$37,426
Composite
12.13/100
National rank
#9654
State rank
#161 of 174 in GA

Livability — Macon-Bibb County

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Macon-Bibb County, GA
County
Bibb County · 164,332 people
City population
143,186
Metro
Macon-Bibb County, GA
Population (ZIP)
7,891
Household income
$29,420
Rent vs Own
76.0% rent · 24.0% own
Severe rent burden
1124.0

Population outlook (Bibb County) Hauer SSP2

Today (2025)
148,772 people
By 2030
145,904 · -1.9%
By 2040
139,404 · -6.3%
By 2050
131,603 · -11.5%
By 2075
111,050 · -25.4%
By 2100
83,346 · -44.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.55)
Race & ethnicity
Black 59% White 31% Hispanic / Latino 6% Two or more races 5% Asian 2%
Hispanic origin (detail)
Mexican 3% Puerto Rican 1%
Common ancestry
Slovak 2% Italian 1% Lithuanian 1%
Foreign-born
4% · Canada
Languages at home
92% English-only · Spanish 5% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Bibb

2024 margin
Strong D (+22.4) · D 61.0% · R 38.5%
2008→2024 swing
+4.4pp toward D · 2008: 18.0pp · 2024: 22.4pp
All cycles
2024: D+22.4 2020: D+23.8 2016: D+20.2 2012: D+20.0 2008: D+18.0

Not yet ingested

Civics

Market trends

HPI YoY
▼ -142.32%
Current HPI
100.04
Rent YoY
▲ 3.11%
Metro
Macon-Bibb County, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

-9.1% since first listed
9 events — show timeline
  • 2026-03-09 Listed $50,000 GAMLS
  • 2025-07-31 Listing Removed GAMLS
  • 2025-07-31 Listing Removed FMLS
  • 2025-04-02 Listed $50,000 GAMLS
  • 2025-04-02 Listed $50,000 FMLS
  • 2024-05-31 Listing Removed FMLS
  • 2024-05-31 Listing Removed GAMLS
  • 2024-04-18 Listed $55,000 FMLS
  • 2024-04-17 Listed $55,000 GAMLS

Property tax history

+23.6%/yr

Latest (2025): $2,044 · -2.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…