Windley* Plan · Orlando, FL 32822

$174,900

3 bd · 2.0 ba · 1,198 sqft · Manufactured · 211 Days on market

Manufactured home 55+ age-restricted Excellent condition

---

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 +11.5/30.0
• ARV discount +7.5/15.0
• Condition / age +5.0/5.0
• Livability +4.3/5.0
• 1% rule +3.7/10.0
• DSCR +3.5/10.0
• Schools +3.1/10.0
• Appreciation +2.5/10.0
• Rent growth +2.3/5.0
• Manufactured-home adj. -3.5

Listing remarks

55+ age qualified community. BRAND NEW CONSTRUCTION Welcome to Starlight Ranch a 55+ age-qualified active and vibrant community, where you can find yourself in your dream home. We have COMING SOON a brand new 2026 3 bed, 2 bath home for sale featuring 1198.08 sq ft of beautifully designed living space. Located in Orlando, this property offers the perfect blend of modern amenities and timeless charm. Step inside to find an open-concept floor plan, hardwood floors, high ceilings, natural light, etc. . The kitchen boasts features like quartz countertops, stainless steel appliances, custom cabinetry, etc, perfect for both everyday living and entertaining.

Key facts

• Custom cabinetry
• Quartz countertops
• Dual vanities

Tags

• OPEN CONCEPT FLOOR PLAN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• CUSTOM CABINETRY
• DUAL VANITIES
• WALK IN CLOSET

🏗️ New construction. The $174,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $190,000.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $175k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-199 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $161k (7.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (19.4% below list).
• Recommended offer: $141k (19.4% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 3.1% in Orlando — 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 86/100 on livability (#12 in FL, #360 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Ventura Elementary (math 26% / reading 34%, grade F, #1,882 of 2,144 statewide, top 88%, 596 students, 66% FRL); Liberty Middle (math 34% / reading 40%, grade F, #399 of 571 statewide, top 71%, 915 students, 66% FRL); Colonial High (math 16% / reading 33%, grade F, #505 of 667 statewide, top 79%, 3,442 students, 62% FRL).
• Zoned-school proficiency averages 30% at this address vs 48% district-wide (-18 pts) — the specific schools serving this property underperform the Orange average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.7%/yr); 576 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 40d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; 8,053 units permitted in Orange County in 2024 (3,133 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 $6k of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 211 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.

Recommended offer $141,054 (19.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 211 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.74% ✗
• Cap rate: 5.04%
• Cash-on-cash: -4.48%
• DSCR: 0.80
• GRM: 11.2

CMA / ARV

• ARV (median comp): $190,000
• List price: $174,900
• Delta: -7.95%
• Verdict: FAIR
• Comps: 5 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6931 Pompeii Rd	0.49mi	3/2.0	1,152 (-4%)	0mo	$190,000	$165	70
4275 Perkinshire Ln Unit L204	0.53mi	3/2.0	1,150 (-4%)	0mo	$110,000	$96	68
6140 Raintree Dr Unit L3	1.05mi	2/2.0 (-1)	1,210 (+1%)	1mo	$235,000	$194	58
2920 Curry Village Ln	1.43mi	3/2.0	1,100 (-8%)	1mo	$302,000	$275	51
3950 Southpointe Dr #409	0.52mi	2/2.0 (-1)	1,045 (-13%)	0mo	$170,000	$163	49
5111 Edmee Cir	1.12mi	4/2.0 (+1)	1,272 (+6%)	1mo	$380,000	$299	49
2901 Clubview Dr Unit U1	1.10mi	2/2.0 (-1)	1,118 (-7%)	0mo	$199,000	$178	48
4367 Thornbriar Ln Unit P104	0.57mi	2/2.0 (-1)	1,000 (-16%)	0mo	$94,000	$94	43
3118 S Semoran Blvd Unit N8	1.09mi	2/2.0 (-1)	1,054 (-12%)	0mo	$172,000	$163	40
4916 Headlee Dr	1.03mi	3/1.5	1,015 (-15%)	0mo	$320,000	$315	38
2508 Woodgate Blvd #206	1.42mi	2/2.0 (-1)	900 (-25%)	0mo	$75,000	$83	35
7732 Linaria Dr	1.37mi	4/3.0 (+1)	1,400 (+17%)	0mo	$360,000	$257	31

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -27.3%
• Equity multiple: 0.11×
• Total profit: $-47,557
• Equity at exit: $28,330

10-year hold

• IRR: -40.8%
• Equity multiple: -0.38×
• Total profit: $-73,598
• Equity at exit: $16,428

Cash invested: $53,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 17 active · 2 under contract
• Months of supply: 51.0 mo (2%/mo absorbed)
• Median asking: $136,900 ($116/sqft)
• Median days on market: 48 d
• This list price: 71% of active listings are priced below it
• ARV vs active asking: +36.3% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32822

• Home prices YoY: -21.1%
• Rents YoY: -0.7%
• Active inventory: 576
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,411 high
• Mortgage (P&I): −$996
• Tax est. 1.5%: −$238 /mo · $2,850/yr
• Insurance: −$79
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $-199

Break-even live

Break-even rent $1,662

Max offer price $161,245

Occupancy floor —

Sensitivity live

Price	-10% $-67	-5% $-133	+0% $-199	+5% $-264	+10% $-330
Rent	-10% $-310	-5% $-254	+0% $-199	+5% $-143	+10% $-87
Rate	-1.0pp $-103	-0.5pp $-150	base $-199	+0.5pp $-248	+1.0pp $-298

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: $47,500
• Closing costs: $5,700
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5848 Lake Pointe Village Cir Orlando, FL	2.0	2.5	1415	$1,995	$1.41	119d	1	0.06mi
5848 Lake Pointe Village Cir Orlando, FL	3.0	2.0	1307	$1,895	$1.45	59d	1	0.06mi
5927 Lake Pointe Village Cir Orlando, FL	3.0	2.0	1307	$2,095	$1.60	40d	1	0.07mi
5927 Lake Pointe Village Cir Orlando, FL	3.0	2.0	1307	$1,980	$1.51	117d	1	0.07mi
5824 Lake Pointe Village Cir #504 Orlando, FL	3.0	2.0	1231	$1,900	$1.54	23d	1	0.10mi
5800 Lake Pointe Village Cir Orlando, FL	2.0	2.5	1415	$1,995	$1.41	59d	1	0.11mi
5824 Lake Pointe Village Cir Orlando, FL	2.0–3.0	2.0–2.5	1323	$1,900	$1.44	59d	2	0.11mi
5974 Lake Pointe Village Cir Orlando, FL	2.0	2.0	1058	$1,735	$1.64	117d	1	0.11mi
5974 Lake Pointe Village Cir Orlando, FL	2.0	2.0	1058	$1,695	$1.60	59d	1	0.11mi
5975 Lake Pointe Village Cir Orlando, FL	2.0–3.0	2.0–2.5	1274	$2,275	$1.79	0d	12	0.11mi
2760 Ranch House Rd Orlando, FL	2.0	2.5	1356	$1,899	$1.40	110d	1	0.13mi
4314 Pershing Pointe Pl #7 Orlando, FL	2.0	2.0	1006	$1,500	$1.49	117d	1	0.16mi
4261 Pershing Pointe Pl #3 Orlando, FL	2.0	2.0	1076	$1,450	$1.35	30d	1	0.17mi
4572 Commander Dr Orlando, FL	1.0–2.0	1.0–2.0	894	$1,700	$1.90	7d	2	0.17mi
4572 Commander Dr Orlando, FL	1.0–2.0	1.0–2.0	894	$1,700	$1.90	9d	3	0.17mi
4630 Commander Dr Orlando, FL	1.0–2.0	1.0–2.0	894	$1,450	$1.62	0d	2	0.17mi
4630 Commander Dr Orlando, FL	1.0–2.0	1.0–2.0	894	$1,550	$1.73	29d	2	0.17mi
4630 Commander Dr #1021 Orlando, FL	2.0	2.0	1054	$1,450	$1.38	6d	1	0.18mi
4252 Pershing Pointe Pl #4 Orlando, FL	2.0	2.0	1006	$1,500	$1.49	10d	1	0.20mi
4642 Commander Dr #938 Orlando, FL	2.0	2.0	1054	$1,600	$1.52	30d	1	0.20mi
4658 Commander Dr #833 Orlando, FL	2.0	1.0	934	$1,450	$1.55	119d	1	0.21mi
4658 Commander Dr Orlando, FL	2.0	1.0	934	$1,525	$1.63	2d	3	0.21mi
4658 Commander Dr Orlando, FL	2.0	1.0	934	$1,625	$1.74	27d	2	0.21mi
4405 S Semoran Blvd #8 Orlando, FL	3.0	2.0	1426	$1,900	$1.33	43d	1	0.21mi
4240 Pershing Pointe Pl #2 Orlando, FL	2.0	2.0	1006	$1,500	$1.49	105d	1	0.22mi
4512 Commander Dr Orlando, FL	2.0	2.0	1101	$1,600	$1.45	42d	2	0.22mi
4512 Commander Dr Orlando, FL	2.0	1.0–2.0	1017	$1,525	$1.50	10d	2	0.22mi
4512 Commander Dr Orlando, FL	2.0	2.0	1101	$1,600	$1.45	40d	2	0.22mi
4512 Commander Dr #1718 Orlando, FL	2.0	2.0	1101	$1,650	$1.50	30d	1	0.22mi
4512 Commander Dr #1725 Orlando, FL	2.0	1.0	934	$1,550	$1.66	58d	1	0.22mi
4512 Commander Dr #1736 Orlando, FL	2.0	1.0	934	$1,350	$1.45	117d	1	0.22mi
4536 Commander Dr #1517 Orlando, FL	2.0	2.0	1054	$1,595	$1.51	110d	1	0.23mi
4548 Commander Dr Orlando, FL	2.0	1.0	934	$1,500	$1.61	119d	1	0.23mi
4548 Commander Dr Orlando, FL	2.0	1.0	934	$1,500	$1.61	40d	1	0.23mi
4548 Commander Dr Orlando, FL	2.0	1.0	934	$1,475	$1.58	0d	2	0.23mi
4504 Commander Dr #1828 Orlando, FL	2.0	1.0	934	$1,450	$1.55	110d	1	0.25mi
4403 S Semoran Blvd #5 Orlando, FL	3.0	2.0	1426	$1,850	$1.30	30d	1	0.25mi
4403 S Semoran Blvd #6 Orlando, FL	3.0	2.0	1426	$2,095	$1.47	103d	1	0.25mi
4269 S Semoran Blvd Orlando, FL	2.0	1.5–2.0	1169	$1,598	$1.37	10d	1	0.25mi
4540 Commander Dr Orlando, FL	1.0–3.0	1.0–2.5	994	$1,950	$1.96	10d	2	0.26mi

Property features AI

Finance

• Financial info: List price $174,900

Exterior

• Home design: Property type: Plan model (new construction)Address: Windley* Plan, Orlando, FL 32822
• Exterior features: Living area approximately 1198

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Plan model: Windley*Active new-construction plan

Listing history 23 events

1. 2026-07-02
   days on market $174,900 Active 211 DOM
2. 2026-07-01
   days on market $174,900 Active 210 DOM
3. 2026-06-30
   days on market $174,900 Active 209 DOM
4. 2026-06-29
   days on market $174,900 Active 208 DOM
5. 2026-06-28
   days on market $174,900 Active 207 DOM
6. 2026-06-27
   days on market $174,900 Active 206 DOM
7. 2026-06-24
   days on market $174,900 Active 203 DOM
8. 2026-06-22
   days on market $174,900 Active 201 DOM
9. 2026-06-21
   days on market $174,900 Active 200 DOM
10. 2026-06-18
    days on market $174,900 Active 197 DOM
11. 2026-06-17
    days on market $174,900 Active 196 DOM
12. 2026-06-16
    days on market $174,900 Active 195 DOM
13. 2026-06-15
    days on market $174,900 Active 194 DOM
14. 2026-06-13
    days on market $174,900 Active 192 DOM
15. 2026-06-13
    days on market $174,900 Active 191 DOM
16. 2026-06-09
    days on market $174,900 Active 188 DOM
17. 2026-06-08
    days on market $174,900 Active 187 DOM
18. 2026-06-07
    days on market $174,900 Active 186 DOM
19. 2026-06-04
    days on market $174,900 Active 183 DOM
20. 2026-06-03
    days on market $174,900 Active 182 DOM
21. 2026-06-02
    days on market $174,900 Active 181 DOM
22. 2026-06-02
    days on market $174,900 Active 180 DOM
23. 2026-05-31
    days on market $174,900 Active 179 DOM

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

Taxation est. · year 1

• Rental income: $16,926
• − Mortgage interest: −$10,643
• − Property taxes: −$2,850
• − Insurance: −$950
• − Repairs & maintenance: −$1,354
• − Management: −$1,354
• − Depreciation: −$5,527
• Taxable loss: −$5,752
• Est. tax savings @ 24.0%: +$1,380
• After-tax cash flow: $-1,004/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 · 9 photos

Excellent 100/100 None rehab

This brand new construction home in a 55+ age-qualified community is move-in ready with excellent condition and modern amenities.

Value-add opportunities

• Both Landscaping improvements — Enhances curb appeal and adds value for both resale and rental. ↑
• Both Painting exterior and interior — Fresh paint can make the home look newer and more appealing to potential buyers or renters. ↑

F Composite school gradezoned avg 30/100

Zoned Schools

Elementary Ventura Elementary F FL #1,882/2,144 Nat'l #26,438/41,679 Middle Liberty Middle F FL #399/571 Nat'l #6,830/14,009 High Colonial High F FL #505/667 Nat'l #12,478/17,239

Schools (NCES district)

• District: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

A Composite livability gradescore 86/100

Livability — Orlando

• Score: 86/100
• State rank: #12
• US rank: #360

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 1,618,226 people
• City population: 964,969
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 67,081
• Household income: $56,540
• Rent vs Own: 58.0% rent · 42.0% own
• Severe rent burden: 23% of renters

---

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

---

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (68%)
• Race & ethnicity: Hispanic / Latino 68% Two or more races 36% White 17% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 38% Cuban 5% Dominican 5%
• Common ancestry: Lithuanian 1% Romanian 1% Slovak 1%
• Foreign-born: 27% · Canada, Jamaica, China
• Languages at home: 36% English-only · Spanish 60% French/Haitian/Cajun 1% Arabic 1%

---

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.17%
• Current HPI: 355.5775
• Rent YoY: ▼ -0.68%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

---

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Property features AI

Finance

• Financial info: List price $174,900

Exterior

• Home design: Property type: Plan model (new construction)Address: Windley* Plan, Orlando, FL 32822
• Exterior features: Living area approximately 1198

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Plan model: Windley*Active new-construction plan