CashFlowRE
Sign in Sign up
50 S 1500 W Unit S9
D+ Composite 45.34
Why this score? — see what drove the D+ 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 +15.0/30.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Livability +3.8/5.0
  • Rent growth +3.5/5.0
  • Schools +3.1/10.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$18,900

50 S 1500 W Unit S9 · Vernal, UT 84078
2 bd · 1.0 ba · 850 sqft · Manufactured · 149 Days on market
Built 1984 435 sqft lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

There are no remarks available.

Key facts

  • Electrical
  • Water lines
  • New subflooring

Tags

NEW SUBFLOORINGWATER LINESELECTRICAL

Property features AI

Finance

  • HOA & community: Subdivision: MILE HIGH VILLAGE

Exterior

  • Utilities: Natural gas connected; Electricity connected; Public sewer (connected); Culinary water connected
  • Home design: Mobile home; Built and currently standing; Residential use
  • Construction: Clapboard/Masonite exterior
  • Exterior features: Asphalt roof; Northeast-facing

Interior

  • Bedrooms: Two main-level bedrooms
  • Flooring: Hardwood
  • Bathrooms: One full bathroom
  • Heating & cooling: Evaporative cooling (has cooling)
  • Interior features: Hardwood flooring; No basement; Six total rooms

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/1.0-bath manufactured listed at $19k.

Deal economics

  • At list price, monthly cash flow is $907 ($11k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $19k).
  • Recommended offer: $17k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 75/100 on livability (#60 in UT, #3,813 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, amenities A; Watch: crime D+, health & safety D+, employment F.
  • Uintah District (town): math 34% / reading 34% proficiency, ranked #60 of 80 in UT (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Ashley School (math 32% / reading 18%, grade F, #472 of 585 statewide, top 81%, 517 students, 58% FRL); Uintah Middle School (math 37% / reading 42%, grade F, #75 of 138 statewide, top 56%, 669 students, 40% FRL); Uintah High (math 18% / reading 36%, grade F, #131 of 171 statewide, top 79%, 1,808 students, 31% FRL).
  • Market conditions: Rents rising fast (+4.1%/yr); 276 active listings in the ZIP; solid renter incomes; 85 units permitted in Uintah County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $131 of loan paydown is wiped out by about $567 of value loss. Plan a longer hold.
  • Uintah County population projected at +72% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 4.1% rent growth), your $5k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 149 days — a 12% lower offer ($17k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 2y ago; this cycle's ask has dropped $11k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $16,632 (12.0% below list)

Questions for the listing agent

  1. It's been on market 149 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. 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  7. 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.
  8. 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.
  9. 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
6.95%
Cap rate
63.87%
Cash-on-cash
205.63%
DSCR
10.15
GRM
1.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.07% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
11.61×
Total profit
$56,143
Equity at exit
$2,818
10-year hold
IRR
Equity multiple
25.44×
Total profit
$129,333
Equity at exit
$1,634

Cash invested: $5,292 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
86 Strongly Landlord-Friendly
State Utah
86 Strongly Landlord-Friendly · R+15
County
— inherits STATE
City
— inherits STATE
3-day notice; preempted; landlord-favorable.

ZIP-level market 84078

Rents YoY
4.1%
Active inventory
276
Price-to-rent
1.2×

Monthly cashflow live

Estimated rent
$1,313 medium interval (Pro) →
Mortgage (P&I)
$99
Tax est. 1.5%
$24 /mo · $284/yr
Insurance
$8
HOA
$0
Vacancy / Maint / Mgmt
$276
Net cashflow
$907

Break-even live

Break-even rent $165
Max offer price $18,900
Occupancy floor 26%

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
$4,725
Closing costs
$567
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 20 events

  1. 2026-06-19
    days on market $18,900 Active 149 DOM
  2. 2026-06-18
    days on market $18,900 Active 148 DOM
  3. 2026-06-17
    days on market $18,900 Active 147 DOM
  4. 2026-06-16
    days on market $18,900 Active 146 DOM
  5. 2026-06-15
    days on market $18,900 Active 145 DOM
  6. 2026-06-14
    days on market $18,900 Active 143 DOM
  7. 2026-06-12
    days on market $18,900 Active 142 DOM
  8. 2026-06-09
    days on market $18,900 Active 139 DOM
  9. 2026-06-08
    days on market $18,900 Active 138 DOM
  10. 2026-06-07
    days on market $18,900 Active 137 DOM
  11. 2026-06-02
    days on market $18,900 Active 132 DOM
  12. 2026-06-01
    days on market $18,900 Active 131 DOM
  13. 2026-05-31
    days on market $18,900 Active 130 DOM
  14. 2026-05-30
    days on market $18,900 Active 129 DOM
  15. 2026-03-17
    price $18,900
  16. 2026-02-18
    price $26,900
  17. 2026-01-21
    listed $30,000 Active
  18. 2025-01-09
    soldstatus Closed 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  19. 2025-01-02
    status Under Contract 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

  20. 2024-12-18
    listed $5,000 Active 31-char remark
    Show marketing remark (31 chars)

    There are no remarks available.

ⓘ 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 5/10 Major
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
$15,759
− Mortgage interest
−$1,059
− Property taxes
−$284
− Insurance
−$94
− Repairs & maintenance
−$1,261
− Management
−$1,261
− Depreciation
−$550
Taxable income
$11,251
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,700
After-tax cash flow
$8,182/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
Uintah District
NCES district ID
4901080
Math proficiency
34% ▼ -4.00%
Reading proficiency
34% ▼ -4.00%
Median HH income
$62,125
Composite
30.69/100
National rank
#6177
State rank
#60 of 80 in UT

Livability — Vernal

Score
75/100
State rank
#60
US rank
#3813

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Vernal, UT
County
Uintah County · 30,975 people
City population
30,975
Metro
Vernal, UT
Population (ZIP)
30,975
Household income
$75,113
Rent vs Own
28.4% rent · 71.6% own
Severe rent burden
223.0

Population outlook (Uintah County) Hauer SSP2

Today (2025)
49,582 people
By 2030
56,006 · +13.0%
By 2040
70,034 · +41.2%
By 2050
85,323 · +72.1%
By 2075
124,396 · +150.9%
By 2100
154,630 · +211.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (83%)
Race & ethnicity
White 83% Hispanic / Latino 8% Two or more races 8% Native American 3%
Hispanic origin (detail)
Mexican 7%
Common ancestry
Italian 6% Slovak 3% Portuguese 1%
Foreign-born
2% · Canada
Languages at home
96% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Uintah

2024 margin
Solid R (+73.6) · D 12.3% · R 85.9% · Other 1.8%
2008→2024 swing
-4.8pp toward R · 2008: -68.8pp · 2024: -73.6pp
All cycles
2024: R+73.6 2020: R+75.8 2016: R+68.9 2012: R+81.3 2008: R+68.8

Not yet ingested

Civics

Market trends

HPI YoY
▼ -304.65%
Current HPI
197.5429
Rent YoY
▲ 4.07%
Metro
Vernal, UT
State GDP YoY
▲ 3.54%
F500 in state
2

Industry mix (Fortune 500 HQ in UT)

Industry F500 HQs Revenue

Price history

+278.0% since first listed
6 events — show timeline
  • 2026-03-17 Price Changed $18,900 WFRMLS
  • 2026-02-18 Price Changed $26,900 WFRMLS
  • 2026-01-21 Listed $30,000 WFRMLS
  • 2025-01-09 Sold (MLS) WFRMLS
  • 2025-01-02 Pending WFRMLS
  • 2024-12-18 Listed $5,000 WFRMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…