2 bd · 3.0 ba ·
1,212 sqft ·
Built 1979
· Timeshare
· Active
· 77 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$3,139/mo
Mortgage (P&I)
−$0
Tax + insurance
−$66
HOA
−$143
Vac / Maint / Mgmt
−$659
Net cashflow
$2,270/mo
Annual
$27,242/yr
Cap rate
280398.14%
Cash-on-cash
1001399.44%
DSCR
44557.64
1% rule
31388.20%
Cash to close
$3
Investor read
This is a 2-bed/3.0-bath timeshare listed at $10.
At list price, monthly cash flow is $2k ($27k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($3k rent vs $10).
It's been on market 77 days — a 6% lower offer ($9) is reasonable based on typical stale-listing flexibility.
Recommended offer: $9 (10.0% below list) — sets the bar for market timing.
In year one you build about $1 of equity ($0 loan paydown + $1 appreciation (8.8% local appreciation)).
Location reads 71/100 on livability (#76 in CO) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, employment A+; Watch: crime D-, cost of living F, health & safety F.
Eagle County School District No. RE-50 (town): math 22% / reading 42% proficiency, ranked #39 of 86 in CO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
Watch-outs: flood insurance adds $66/mo.
Market conditions: 313 active listings in the ZIP; solid renter incomes; 387 units permitted in Eagle County in 2024 (256 in 5+ unit buildings).
Eagle County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
At projected returns (8.8% appreciation + 3.0% rent growth), your $3 cash investment doubles in ~1 year — after that, you're playing with house money.
Climate carrying-cost: major flood risk; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Cap rate 280398.1% vs local median 0.5% in Vail — 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.
This rent runs 37% of the median local income ($101k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Questions for listing agent
It's been on market 77 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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?
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?
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· Data 1 day agocashflowre.app · 2026-05-29