Buck Island II Plan · Blythewood, SC 29016

$286,900

3 bd · 2.5 ba · 1,795 sqft · SingleFamily · 137 Days on market

Fair condition

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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 +13.9/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• 1% rule +3.9/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

The Buck Island II offers 1,795 square feet of comfortable living space, thoughtfully designed with three bedrooms and two-and-a-half bathrooms. Several exterior elevations are available, providing a variety of brick and stone options to personalize your home's exterior. The main level features an open floor plan, seamlessly connecting the spacious great room, dining area, and kitchen. A convenient powder room is also located on the main level. The private owner's suite is conveniently located upstairs, offering a tranquil retreat with a walk-in closet and en-suite bathroom, which includes options for a tile shower and a luxurious soaking tub. Two additional well-appointed bedrooms share a

Key facts

• Covered patios
• Walk-in closet
• Soaking tub

Tags

• PRIVATE OWNER'S SUITE
• WALK-IN CLOSET
• EN-SUITE BATHROOM
• TILE SHOWER
• SOAKING TUB
• COVERED PATIOS

Property features AI

Finance

• Financial info: List price available (listing active)

Exterior

• Parking: 2 parking spaces
• Utilities: Natural gas; Electric; Central air
• Home design: Single-family home (Plan); Address: Buck Island II Plan, Blythewood, SC 29016

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms and 1 half bathroom (2.5 total)
• Heating & cooling: Natural gas and electric heating; Central air conditioning
• Interior features: Plan: Buck Island II (new construction plan); Living area approximately 1,795

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $287k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $29 ($351/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $255k (11.2% below list).
• Recommended offer: $252k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#58 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Richland 02 (suburban): math 35% / reading 47% proficiency, ranked #29 of 80 in SC (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Muller Road Middle (math 39% / reading 58%, grade D, #193 of 597 statewide, top 33%, 1,246 students, 46% FRL); Blythewood High (math 72% / reading 92%, grade A, #19 of 196 statewide, top 10%, 2,094 students, 39% FRL) — zoned schools at 43% FRL track the district average.
• Zoned-school proficiency averages 65% at this address vs 41% district-wide (+24 pts) — the actual schools serving this property are materially stronger than the Richland 02 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 659 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
• This rent runs 32% of the median local income ($95k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Richland County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 137 days — a 12% lower offer ($252k) is reasonable based on typical stale-listing flexibility.

Recommended offer $252,472 (12.0% below list)

Questions for the listing agent

1. It's been on market 137 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
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: 0.89% ✗
• Cap rate: 6.42%
• Cash-on-cash: 0.44%
• DSCR: 1.02
• GRM: 9.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -15.6%
• Equity multiple: 0.44×
• Total profit: $-44,587
• Equity at exit: $42,778

10-year hold

• IRR: -7.1%
• Equity multiple: 0.55×
• Total profit: $-36,269
• Equity at exit: $24,806

Cash invested: $80,332 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State South Carolina: 90 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 29016

• Home prices YoY: -26.3%
• Active inventory: 659
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,547 medium
• Mortgage (P&I): −$1,505
• Tax est. 1.5%: −$359 /mo · $4,304/yr
• Insurance: −$120
• HOA: −$0
• Vacancy / Maint / Mgmt: −$535
• Net cashflow: $29

Break-even live

Break-even rent $2,510

Max offer price $286,900

Occupancy floor 94%

Sensitivity live

Price	-10% $228	-5% $128	+0% $29	+5% $-70	+10% $-169
Rent	-10% $-172	-5% $-71	+0% $29	+5% $130	+10% $230
Rate	-1.0pp $174	-0.5pp $102	base $29	+0.5pp $-45	+1.0pp $-121

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: $71,725
• Closing costs: $8,607
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
948 Beaufort Farm Rd Blythewood, SC	3.0	2.5	1986	$2,200	$1.11	5d	1	0.22mi
227 Honey Hill Way Blythewood, SC	3.0	2.5	1689	$2,180	$1.29	5d	1	0.64mi
242 Honey Hill Way Blythewood, SC	4.0	2.5	1926	$2,750	$1.43	13d	1	0.66mi
232 Boulder Ridge Loop Blythewood, SC	4.0	2.5	1902	$2,299	$1.21	17d	1	0.88mi

Listing history 17 events

1. 2026-06-23
   days on market $286,900 Active 137 DOM
2. 2026-06-22
   days on market $286,900 Active 136 DOM
3. 2026-06-18
   days on market $286,900 Active 133 DOM
4. 2026-06-17
   days on market $286,900 Active 132 DOM
5. 2026-06-16
   days on market $286,900 Active 131 DOM
6. 2026-06-15
   days on market $286,900 Active 130 DOM
7. 2026-06-14
   days on market $286,900 Active 128 DOM
8. 2026-06-13
   days on market $286,900 Active 127 DOM
9. 2026-06-10
   days on market $286,900 Active 125 DOM
10. 2026-06-09
    days on market $286,900 Active 124 DOM
11. 2026-06-08
    days on market $286,900 Active 123 DOM
12. 2026-06-07
    days on market $286,900 Active 122 DOM
13. 2026-06-05
    days on market $286,900 Active 119 DOM
14. 2026-06-03
    days on market $286,900 Active 118 DOM
15. 2026-06-03
    days on market $286,900 Active 117 DOM
16. 2026-06-01
    days on market $286,900 Active 116 DOM
17. 2026-05-31
    days on market $286,900 Active 115 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: $30,562
• − Mortgage interest: −$16,071
• − Property taxes: −$4,304
• − Insurance: −$1,434
• − Repairs & maintenance: −$2,445
• − Management: −$2,445
• − Depreciation: −$8,346
• Taxable loss: −$4,483
• Est. tax savings @ 24.0%: +$1,076
• After-tax cash flow: $1,427/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 · 3 photos

Fair 45/100 Moderate rehab

The home requires extensive repairs and maintenance, including roof repair, lot erosion control, and landscaping. These improvements will significantly increase its resale and rental value.

Repairs flagged

• Major roof — Significant roof damage and water damage are visible in the independent aerial image.
• Major lot erosion — The lot is heavily eroded with exposed soil, indicating a need for erosion control and landscaping.
• Major landscaping — The lot is bare with no visible vegetation or landscaping, indicating a need for landscaping and erosion control.

Value-add opportunities

• Resale roof repair — A repaired roof will significantly improve the home's appearance and reduce the risk of water damage.
• Both lot erosion control and landscaping — Erosion control and landscaping will improve the home's curb appeal and increase its resale value.
• Rental HVAC system upgrade — A modern HVAC system will improve comfort and energy efficiency, making the home more attractive to renters.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant roof damage and water damage are visible in the independent aerial image.	Major	$15,000–50,000
lot erosion · The lot is heavily eroded with exposed soil, indicating a need for erosion control and landscaping.	Major	$15,000–50,000
landscaping · The lot is bare with no visible vegetation or landscaping, indicating a need for landscaping and erosion control.	Major	$15,000–50,000
Total estimated repair cost · 3 items		$45,000–150,000

Value-add ROI direction

• Resale roof repair — A repaired roof will significantly improve the home's appearance and reduce the risk of water damage. ↑
• Both lot erosion control and landscaping — Erosion control and landscaping will improve the home's curb appeal and increase its resale value. ↑
• Rental HVAC system upgrade — A modern HVAC system will improve comfort and energy efficiency, making the home more attractive to renters. ↑

ⓘ 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: Richland 02
• NCES district ID: 4503390
• Math proficiency: 35% ▼ -15.00%
• Reading proficiency: 47% ▼ -5.00%
• Median HH income: $59,684
• Composite: 36.2/100
• National rank: #4730
• State rank: #29 of 80 in SC

Livability — Blythewood

• Score: 70/100
• State rank: #58
• US rank: #7406

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Richland County · 389,530 people
• City population: 30,454
• Metro: Columbia, SC
• Population (ZIP): 30,454
• Household income: $95,082
• Rent vs Own: 16.9% rent · 83.1% own
• Severe rent burden: 559.0

Population outlook (Richland County) Hauer SSP2

• Today (2025): 459,667 people
• By 2030: 487,524 · +6.1%
• By 2040: 542,035 · +17.9%
• By 2050: 595,371 · +29.5%
• By 2075: 732,998 · +59.5%
• By 2100: 820,415 · +78.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Black 43% White 42% Two or more races 7% Hispanic / Latino 7% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 90% English-only · Spanish 5% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Richland

• 2024 margin: Solid D (+34.6) · D 66.4% · R 31.8% · Other 1.8%
• 2008→2024 swing: +5.7pp toward D · 2008: 28.9pp · 2024: 34.6pp
• All cycles: 2024: D+34.6 2020: D+38.3 2016: D+32.9 2012: D+33.3 2008: D+28.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -65.48%
• Current HPI: 183.5933
• Rent YoY: —
• Metro: Columbia, SC
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B