Clayton Tempo My Girl Plan · Tecumseh, MI 49286

$111,556

3 bd · 2.0 ba · 1,344 sqft · Manufactured · 866 Days on market

Excellent condition

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Why this score? — see what drove the C 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 +21.0/30.0
• ARV discount +7.5/15.0
• DSCR +6.7/10.0
• 1% rule +5.5/10.0
• Condition / age +4.8/5.0
• Livability +3.9/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Waterfront homes - reserve your site today! * Pricing is subject to change and cannot be guaranteed or held. Brand new complete drywall three bedroom two full bath. Stainless Steel Appliances - Full kitchen package. Energy Star - ZERH with Smart Comfort by Carrier gas furnace, Rheem hybrid heat pump water heater, Argon gas low-E windows, ecobee smart thermostat, ENERGY STAR Frigidaire appliances Pfister bathroom fixtures, LED lighting, Insulated exterior doors Additional home insulation Sealed duct system, Whole house ventilation system, Solar Ready Exterior Features Private three-car driveway, new concrete sidewalks with private storage shed. Images may vary. Financing offered through First Choice MH LLC, a licensed mortgage loan originator in the State of Michigan, Ohio, Texas, Indiana and Illinois . Main office 600 W. 22nd Street Suite 101 Oak Brook, IL 60523. NMLS# 1241272. Equal Housing Lender. Estimated monthly payment based on price of $114,799, 10.55 APR, $3999 Down or Down Payment Amount, 360 payments of $1,812, includes Site Rent, insurance or local site taxes. All conditions are subject to credit approval and approval for residency within an authorized community. Contact local Community Manager for details. Amounts rounded to the nearest dollar.

Key facts

• Listed 866 days

🏗️ New construction. The $111,556 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $180,733.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $112k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $254 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $112k).
• Recommended offer: $98k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 3.6% in Tecumseh — 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 78/100 on livability (#103 in MI, #2,459 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Tecumseh Public Schools (town): math 34% / reading 48% proficiency, ranked #181 of 540 in MI (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 95 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 137 units permitted in Lenawee County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lenawee County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 866 days — a 12% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y 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.

Recommended offer $98,169 (12.0% below list)

Questions for the listing agent

1. It's been on market 866 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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.
6. 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.
7. 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: 1.05% ✓
• Cap rate: 7.98%
• Cash-on-cash: 6.02%
• DSCR: 1.27
• GRM: 7.9

CMA / ARV

• ARV (median comp): $180,733
• List price: $111,556
• Delta: -38.28%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3820 Kaiser Rd	0.68mi	3/2.0	1,338 (-0%)	9mo	$206,000	$154	60

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: -7.0%
• Equity multiple: 0.74×
• Total profit: $-13,088
• Equity at exit: $26,948

10-year hold

• IRR: 2.6%
• Equity multiple: 1.19×
• Total profit: $9,542
• Equity at exit: $15,627

Cash invested: $50,605 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 49286

• Home prices YoY: -32.9%
• Active inventory: 95
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,902 high
• Mortgage (P&I): −$948
• Tax est. 1.5%: −$226 /mo · $2,711/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$400
• Net cashflow: $254

Break-even live

Break-even rent $1,581

Max offer price $180,733

Occupancy floor 82%

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: $45,183
• Closing costs: $5,422
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9115 N Union St Tecumseh, MI	3.0	2.0	1408	$1,876	$1.33	13d	4	0.02mi
9103 N Union St #174 Tecumseh, MI	3.0	2.0	1344	$1,903	$1.42	13d	1	0.07mi
9103 N Union St #165 Tecumseh, MI	3.0	2.0	1248	$1,848	$1.48	13d	1	0.07mi
603 Nokomis St Tecumseh, MI	3.0	2.0	1620	$2,500	$1.54	43d	1	0.32mi
1325 Southwestern Dr Tecumseh, MI	2.0	1.5	950	$1,130	$1.19	13d	1	1.31mi
1316 Southwestern Dr Tecumseh, MI	2.0	1.5	950	$1,130	$1.19	13d	1	1.38mi

Listing history 19 events

1. 2026-06-18
   days on market $111,556 Active 866 DOM
2. 2026-06-17
   days on market $111,556 Active 865 DOM
3. 2026-06-16
   days on market $111,556 Active 864 DOM
4. 2026-06-15
   days on market $111,556 Active 863 DOM
5. 2026-06-14
   days on market $111,556 Active 861 DOM
6. 2026-06-13
   days on market $111,556 Active 860 DOM
7. 2026-06-10
   days on market $111,556 Active 858 DOM
8. 2026-06-09
   days on market $111,556 Active 857 DOM
9. 2026-06-08
   days on market $111,556 Active 856 DOM
10. 2026-06-07
    days on market $111,556 Active 855 DOM
11. 2026-06-05
    days on market $111,556 Active 852 DOM
12. 2026-06-03
    days on market $111,556 Active 851 DOM
13. 2026-06-02
    days on market $111,556 Active 850 DOM
14. 2026-06-01
    days on market $111,556 Active 849 DOM
15. 2026-05-31
    days on market $111,556 Active 848 DOM
16. 2026-05-30
    days on market $111,556 Active 847 DOM
17. 2024-03-04
    status Active 1279-char remark

    Show marketing remark (1279 chars)

    Waterfront homes - reserve your site today! * Pricing is subject to change and cannot be guaranteed or held. Brand new complete drywall three bedroom two full bath. Stainless Steel Appliances - Full kitchen package. Energy Star - ZERH with Smart Comfort by Carrier gas furnace, Rheem hybrid heat pump water heater, Argon gas low-E windows, ecobee smart thermostat, ENERGY STAR Frigidaire appliances Pfister bathroom fixtures, LED lighting, Insulated exterior doors Additional home insulation Sealed duct system, Whole house ventilation system, Solar Ready Exterior Features Private three-car driveway, new concrete sidewalks with private storage shed. Images may vary. Financing offered through First Choice MH LLC, a licensed mortgage loan originator in the State of Michigan, Ohio, Texas, Indiana and Illinois . Main office 600 W. 22nd Street Suite 101 Oak Brook, IL 60523. NMLS# 1241272. Equal Housing Lender. Estimated monthly payment based on price of $114,799, 10.55 APR, $3999 Down or Down Payment Amount, 360 payments of $1,812, includes Site Rent, insurance or local site taxes. All conditions are subject to credit approval and approval for residency within an authorized community. Contact local Community Manager for details. Amounts rounded to the nearest dollar.

18. 2023-12-08
    historical 1279-char remark

    Show marketing remark (1279 chars)

    Waterfront homes - reserve your site today! * Pricing is subject to change and cannot be guaranteed or held. Brand new complete drywall three bedroom two full bath. Stainless Steel Appliances - Full kitchen package. Energy Star - ZERH with Smart Comfort by Carrier gas furnace, Rheem hybrid heat pump water heater, Argon gas low-E windows, ecobee smart thermostat, ENERGY STAR Frigidaire appliances Pfister bathroom fixtures, LED lighting, Insulated exterior doors Additional home insulation Sealed duct system, Whole house ventilation system, Solar Ready Exterior Features Private three-car driveway, new concrete sidewalks with private storage shed. Images may vary. Financing offered through First Choice MH LLC, a licensed mortgage loan originator in the State of Michigan, Ohio, Texas, Indiana and Illinois . Main office 600 W. 22nd Street Suite 101 Oak Brook, IL 60523. NMLS# 1241272. Equal Housing Lender. Estimated monthly payment based on price of $114,799, 10.55 APR, $3999 Down or Down Payment Amount, 360 payments of $1,812, includes Site Rent, insurance or local site taxes. All conditions are subject to credit approval and approval for residency within an authorized community. Contact local Community Manager for details. Amounts rounded to the nearest dollar.

19. 2023-11-08
    listed $111,556 Active 1279-char remark

    Show marketing remark (1279 chars)

    Waterfront homes - reserve your site today! * Pricing is subject to change and cannot be guaranteed or held. Brand new complete drywall three bedroom two full bath. Stainless Steel Appliances - Full kitchen package. Energy Star - ZERH with Smart Comfort by Carrier gas furnace, Rheem hybrid heat pump water heater, Argon gas low-E windows, ecobee smart thermostat, ENERGY STAR Frigidaire appliances Pfister bathroom fixtures, LED lighting, Insulated exterior doors Additional home insulation Sealed duct system, Whole house ventilation system, Solar Ready Exterior Features Private three-car driveway, new concrete sidewalks with private storage shed. Images may vary. Financing offered through First Choice MH LLC, a licensed mortgage loan originator in the State of Michigan, Ohio, Texas, Indiana and Illinois . Main office 600 W. 22nd Street Suite 101 Oak Brook, IL 60523. NMLS# 1241272. Equal Housing Lender. Estimated monthly payment based on price of $114,799, 10.55 APR, $3999 Down or Down Payment Amount, 360 payments of $1,812, includes Site Rent, insurance or local site taxes. All conditions are subject to credit approval and approval for residency within an authorized community. Contact local Community Manager for details. Amounts rounded to the nearest dollar.

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,829
• − Mortgage interest: −$10,124
• − Property taxes: −$2,711
• − Insurance: −$904
• − Repairs & maintenance: −$1,826
• − Management: −$1,826
• − Depreciation: −$5,258
• Taxable income: $180
• Est. tax owed @ 24.0%: −$43
• After-tax cash flow: $3,003/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.

Condition & rehab AI · 12 photos

Excellent 95/100 None rehab

This manufactured home is in excellent condition with modern appliances and a well-maintained exterior. Minor updates to the exterior and landscaping would significantly enhance its curb appeal and value.

Value-add opportunities

• Both Painting exterior siding — Enhances curb appeal and value
• Both Landscaping improvements — Boosts curb appeal and rental value
• Resale Replace old appliances — Modernizes the kitchen and improves functionality

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior siding — Enhances curb appeal and value ↑
• Both Landscaping improvements — Boosts curb appeal and rental value ↑
• Resale Replace old appliances — Modernizes the kitchen and improves functionality ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Tecumseh Public Schools
• NCES district ID: 2633720
• Math proficiency: 34% ▼ -5.00%
• Reading proficiency: 48% ▼ -4.00%
• Median HH income: $58,026
• Composite: 36.04/100
• National rank: #4775
• State rank: #181 of 540 in MI

Livability — Tecumseh

• Score: 78/100
• State rank: #103
• US rank: #2459

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tecumseh, MI
• City population: 14,331
• Population (ZIP): 14,331

Population outlook (Lenawee County) Hauer SSP2

• Today (2025): 95,497 people
• By 2030: 92,722 · -2.9%
• By 2040: 85,641 · -10.3%
• By 2050: 77,971 · -18.4%
• By 2075: 60,043 · -37.1%
• By 2100: 41,468 · -56.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 8% Hispanic / Latino 7% Black 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2%
• Common ancestry: Romanian 5% Lithuanian 4% Slovak 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Lenawee

• 2024 margin: Strong R (+23.0) · D 37.8% · R 60.8% · Other 1.4%
• 2008→2024 swing: -28.1pp toward R · 2008: 5.1pp · 2024: -23.0pp
• All cycles: 2024: R+23.0 2020: R+19.9 2016: R+21.1 2012: R+1.3 2008: D+5.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -114.90%
• Current HPI: 234.4935
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

3 events — show timeline

• 2024-03-04 Relisted — Zillow
• 2023-12-08 Delisted — Zillow
• 2023-11-08 Listed $111,556 Zillow