5917 Harney Ave · St. Louis, MO 63136

$50,000

2 bd · 1.0 ba · 608 sqft · SingleFamily public records · 22 Days on market

Built 1925 3,123 sqft lot Est $42k · 19% over

---

Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

Key facts

• 3,123 sq ft lot
• Built 1925
• Listed 22 days

Property features AI

Finance

• Other: Living area reported as 608 (public records)

Exterior

• Utilities: Public water; Public sewer; Electricity available; Electric service (other)
• Home design: Single-family residence; One story
• Construction: Vinyl siding
• Exterior features: Back yard

Interior

• Bedrooms: Two bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Walk-out unfinished basement; Five total rooms

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $469 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($968 rent vs $50k).
• Recommended offer: $49k (1.5% below list) — sets the bar for market timing.
• Cap rate 17.6% vs local median 5.0% in St. Louis — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Herzog Elem. (math 2% / reading 8%, grade F, #1,072 of 1,115 statewide, top 98%, 247 students, 99% FRL); Vashon High (math 2% / reading 2%, grade F, #520 of 521 statewide, top 100%, 568 students, 100% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($346 loan paydown + $2k appreciation (3.8% local appreciation)).
• St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (3.8% appreciation + 5.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($49k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.
• Current owner paid $30k; list at $50k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,250 (1.5% below list)

Questions for the listing agent

1. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.94% ✓
• Cap rate: 17.56%
• Cash-on-cash: 40.23%
• DSCR: 2.79
• GRM: 4.3

CMA / ARV

• ARV (on-the-fly): $41,952
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5760 Acme Ave	0.57mi	1/1.0 (-1)	624 (+3%)	4mo	$15,000	$24	61
6062 Thekla	0.31mi	1/1.0 (-1)	640 (+5%)	15mo	$36,000	$56	59
6342 Lena Ave	0.51mi	2/1.0	678 (+12%)	2mo	$40,000	$59	55
6340 Lena Ave	0.51mi	2/1.0	648 (+7%)	22mo	$64,900	$100	46
5635 Hodiamont Ave	0.72mi	2/1.0	580 (-5%)	18mo	$39,900	$69	44
5314 Hamilton Ave	0.71mi	2/1.0	660 (+9%)	22mo	$60,000	$91	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.79% appreciation · 4.97% rent growth · sell at horizon

5-year hold

• IRR: 48.4%
• Equity multiple: 3.86×
• Total profit: $39,977
• Equity at exit: $24,739

10-year hold

• IRR: 48.2%
• Equity multiple: 8.21×
• Total profit: $100,965
• Equity at exit: $39,983

Cash invested: $14,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 81 Strongly Landlord-Friendly
• State Missouri: 81 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

Generally landlord-friendly; St Louis has some habitability requirements.

Methodology + full state rankings →

ZIP-level market 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 372
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $968 high
• Mortgage (P&I): −$262
• Tax from tax record: −$12 /mo · $147/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$203
• Net cashflow: $469

Break-even live

Break-even rent $374

Max offer price $50,000

Occupancy floor 47%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5635 Hodiamont Ave Saint Louis, MO	2.0	1.0	580	$899	$1.55	20d	1	0.72mi
4719 Plover Ave Saint Louis, MO	2.0	1.0	744	$995	$1.34	4d	1	0.90mi
4935 Alcott Ave Saint Louis, MO	3.0	1.0	680	$705	$1.04	16d	1	0.95mi
7024 Idlewild Ave Saint Louis, MO	2.0	1.0	588	$995	$1.69	43d	1	1.00mi
8612 Halls Ferry Rd Saint Louis, MO	1.0–2.0	1.0	625	$775	$1.24	4d	2	1.13mi
7142 Lamont Dr Saint Louis, MO	2.0	1.0	750	$1,100	$1.47	17d	1	1.15mi
8344 Eton Pl Saint Louis, MO	2.0	1.0	750	$895	$1.19	4d	1	1.26mi
1131 Canaan Ave Saint Louis, MO	1.0	1.0	624	$900	$1.44	16d	1	1.27mi
8347 Eton Pl Saint Louis, MO	2.0	1.0	750	$1,075	$1.43	43d	1	1.29mi
4908 W Florissant Ave Apt A St. Louis, MO	1.0	1.0	750	$695	$0.93	43d	1	1.43mi

Listing history 25 events

1. 2026-06-18
   days on market $50,000 Active 22 DOM
2. 2026-06-17
   days on market $50,000 Active 21 DOM
3. 2026-06-16
   days on market $50,000 Active 20 DOM
4. 2026-06-15
   days on market $50,000 Active 19 DOM
5. 2026-06-13
   days on market $50,000 Active 17 DOM
6. 2026-06-09
   days on market $50,000 Active 13 DOM
7. 2026-06-08
   days on market $50,000 Active 12 DOM
8. 2026-06-07
   days on market $50,000 Active 11 DOM
9. 2026-06-05
   days on market $50,000 Active 8 DOM
10. 2026-06-03
    days on market $50,000 Active 7 DOM
11. 2026-06-02
    days on market $50,000 Active 6 DOM
12. 2026-06-01
    days on market $50,000 Active 5 DOM
13. 2026-05-31
    days on market $50,000 Active 4 DOM
14. 2026-05-27
    listed $50,000 Active
15. 2024-05-20
    soldstatus $30,000
16. 2024-05-16
    soldstatus Closed 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

17. 2024-05-06
    status Pending 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

18. 2024-04-01
    price $37,000 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

19. 2024-03-24
    status Active 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

20. 2024-03-20
    historical Active Under Contract 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

21. 2024-02-29
    listed $39,905 Active 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

22. 2024-02-26
    historical $39,905 602-char remark

    Show marketing remark (602 chars)

    BACK ON THE MARKET....NO FAULT OF SELLER – buyer did not perform Attn Investors!!! BETTER MOVE FAST AS THIS HOME WILL NOT LAST LONG!!! This would make a nice addition to a rental portfolio. Long term tenant. Positive income. 2 bed and 1 bath home!!! DO NOT DESTURB TENANT !!! Newer roof. Seller has never occupied the property. It has been a managed rental property. Seller to do no repairs. currently rented for $750. This property could be sold separately or as a package deal more to be added soon.:24010102,24010078,24010102, 24010078,24011248 24011248,24011154 and 24011308 a duplex.

23. 2006-04-11
    soldstatus $61,000
24. 2005-07-21
    soldstatus $46,000
25. 2001-01-09
    soldstatus

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

Tax reassessment forecast MO · Resets to sale price

• Current annual tax: $147 · $12/mo
• Projected year-2 tax: $485 · $40/mo
• Expected delta: +$338/yr (+$28/mo · 230.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,614
• − Mortgage interest: −$2,801
• − Property taxes: −$147
• − Insurance: −$250
• − Repairs & maintenance: −$929
• − Management: −$929
• − Depreciation: −$1,455
• Taxable income: $5,104
• Est. tax owed @ 24.0%: −$1,225
• After-tax cash flow: $4,407/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: St. Louis City
• NCES district ID: 2929280
• Math proficiency: 10% ▼ -6.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $35,685
• Composite: 11.54/100
• National rank: #9699
• State rank: #312 of 324 in MO

Livability — St. Louis

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Louis, MO
• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 40,929
• Household income: $41,154
• Rent vs Own: 53.1% rent · 46.9% own
• Severe rent burden: 3085.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 315,737 people
• By 2030: 313,865 · -0.6%
• By 2040: 305,439 · -3.3%
• By 2050: 296,529 · -6.1%
• By 2075: 271,028 · -14.2%
• By 2100: 255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (90%)
• Race & ethnicity: Black 90% White 5% Two or more races 3%
• Foreign-born: 1% · Canada

Political lean MEDSL · St. Louis

• 2024 margin: Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
• 2008→2024 swing: -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
• All cycles: 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.79%
• Current HPI: 420.28
• Rent YoY: ▲ 4.97%
• Metro: St. Louis, MO-IL
• State GDP YoY: ▲ 1.84%
• F500 in state: 20

Industry mix (Fortune 500 HQ in MO)

Industry	F500 HQs	Revenue
▸Healthcare	1	$163B
▸Insurance	1	$21B
▸Industrial Technology	1	$17B
▸Retail	1	$16B
▸Industrial Distribution	1	$10B
▸Utilities	1	$9B

Price history

+8.7% since first listed

12 events — show timeline

• 2026-05-27 Listed $50,000 MARIS as Distributed by MLS Grid
• 2024-05-20 Sold (Public Records) $30,000 Public Records
• 2024-05-16 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-05-06 Pending — MARIS as Distributed by MLS Grid
• 2024-04-01 Price Changed $37,000 MARIS as Distributed by MLS Grid
• 2024-03-24 Relisted — MARIS as Distributed by MLS Grid
• 2024-03-20 Contingent — MARIS as Distributed by MLS Grid
• 2024-02-29 Listed $39,905 MARIS as Distributed by MLS Grid
• 2024-02-26 Coming Soon $39,905 MARIS as Distributed by MLS Grid
• 2006-04-11 Sold (Public Records) $61,000 Public Records
• 2005-07-21 Sold (Public Records) $46,000 Public Records
• 2001-01-09 Sold (Public Records) — Public Records

Property tax history

-3.6%/yr

Latest (2024): $147 · +4.1% YoY. Source: county tax records.