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AUBURN Plan 🏗️ New Construction
D- Composite 37.17
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 +11.4/30.0
  • ARV discount +7.5/15.0
  • Condition / age +4.8/5.0
  • 1% rule +3.3/10.0
  • DSCR +3.3/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Schools +1.9/10.0
  • Appreciation +0.0/10.0

$238,990

AUBURN Plan · Macon-Bibb County, GA 31052
3 bd · 2.5 ba · 1,566 sqft · SingleFamily · 673 Days on market
Excellent condition ↓ 2% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

4 bed | 2.

Key facts

  • Spacious backyard
  • Renovated kitchen
  • 2 garage spots

Tags

RENOVATED KITCHENSPACIOUS BACKYARD

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $238,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $240,849.

What this means for you Summary

Snapshot

  • This is a 3-bed/2.5-bath single-family listed at $239k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-84 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $229k (4.3% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $200k (16.3% below list).
  • Recommended offer: $200k (16.3% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • Bibb County (urban): math 11% / reading 18% proficiency, ranked #161 of 174 in GA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Skyview Elementary School (math 32% / reading 32%, grade F, #582 of 1,228 statewide, top 50%, 455 students, 100% FRL); Rutland Middle School (math 12% / reading 28%, grade F, #349 of 470 statewide, top 75%, 812 students, 100% FRL); Rutland High School (math 2% / reading 8%, grade F, #394 of 424 statewide, top 97%, 907 students, 100% FRL) — zoned schools average 100% FRL vs 75% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 144 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 154 units permitted in Bibb County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Bibb County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

  • It's been on market 673 days — a 12% lower offer ($210k) is reasonable based on typical stale-listing flexibility.
Recommended offer $200,000 (16.3% 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 673 days. Have you received any prior offers? Is the seller open to a 16% 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. 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?
  6. 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.
  7. 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.
  8. 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
0.83%
Cap rate
5.87%
Cash-on-cash
-1.50%
DSCR
0.93
GRM
10.0

CMA / ARV

ARV (median comp)
$240,849
List price
$238,990
Delta
-0.77%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
130 Sundance Ct 0.14mi 3/2.0 1,646 (+5%) 1mo $262,990 $160 82
104 Sundance Ct 0.30mi 3/2.0 1,646 (+5%) 2mo $239,888 $146 74
118 Dream Catcher Dr 0.31mi 3/2.0 1,646 (+5%) 4mo $234,888 $143 72
144 Dream Catcher Dr 0.33mi 3/2.0 1,646 (+5%) 5mo $239,888 $146 70
128 Sundance Ct 0.15mi 4/3.0 (+1) 1,774 (+13%) 1mo $243,888 $137 63
121 Sundance Ct 0.17mi 4/3.0 (+1) 1,774 (+13%) 0mo $244,888 $138 62
143 Dream Catcher Dr 0.31mi 4/2.0 (+1) 1,684 (+8%) 4mo $241,888 $144 62
122 Dream Catcher Dr 0.33mi 4/2.0 (+1) 1,684 (+8%) 7mo $223,888 $133 60
116 Sundance Ct 0.24mi 4/3.0 (+1) 1,774 (+13%) 2mo $244,888 $138 58
110 Sundance Ct 0.27mi 4/3.0 (+1) 1,774 (+13%) 3mo $262,990 $148 56
102 Sundance Ct 0.31mi 4/3.0 (+1) 1,774 (+13%) 4mo $249,888 $141 53
140 Dream Catcher Dr 0.35mi 4/3.0 (+1) 1,774 (+13%) 7mo $243,990 $138 49

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
-18.8%
Equity multiple
0.34×
Total profit
$-44,377
Equity at exit
$35,911
10-year hold
IRR
-11.2%
Equity multiple
0.33×
Total profit
$-45,446
Equity at exit
$20,824

Cash invested: $67,438 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
9 active · 6 under contract
Months of supply
4.5 mo (22%/mo absorbed)
Median asking
$259,990 ($147/sqft)
Median days on market
95 d
This list price
22% of active listings are priced below it
ARV vs active asking
+4.8% vs current asking $/sqft

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

ZIP-level market 31052

Home prices YoY
-19.2%
Active inventory
144
Price-to-rent
10.0×

Monthly cashflow live

Estimated rent
$2,000 medium interval (Pro) →
Mortgage (P&I)
$1,263
Tax est. 1.5%
$301 /mo · $3,613/yr
Insurance
$100
HOA
$0
Vacancy / Maint / Mgmt
$420
Net cashflow
$-84

Break-even live

Break-even rent $2,107
Max offer price $228,628
Occupancy floor 99%

Sensitivity live

Price -10% $82 -5% $-1 +0% $-84 +5% $-168 +10% $-251
Rent -10% $-242 -5% $-163 +0% $-84 +5% $-5 +10% $74
Rate -1.0pp $37 -0.5pp $-23 base $-84 +0.5pp $-147 +1.0pp $-210

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
$60,212
Closing costs
$7,225
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
258 Dream Catcher Dr Lizella, GA 3.0 2.0 1566 $2,000 $1.28 93d 1 0.33mi

Listing history 50 events

  1. 2026-08-08
    days on market $238,990 Active 673 DOM
  2. 2026-08-07
    days on market $238,990 Active 672 DOM
  3. 2026-08-06
    days on market $238,990 Active 671 DOM
  4. 2026-08-05
    days on market $238,990 Active 670 DOM
  5. 2026-08-04
    days on market $238,990 Active 669 DOM
  6. 2026-08-03
    days on market $238,990 Active 668 DOM
  7. 2026-07-31
    days on market $238,990 Active 665 DOM
  8. 2026-07-30
    days on market $238,990 Active 664 DOM
  9. 2026-07-29
    days on market $238,990 Active 663 DOM
  10. 2026-07-27
    days on market $238,990 Active 661 DOM
  11. 2026-07-25
    days on market $238,990 Active 659 DOM
  12. 2026-07-24
    days on market $238,990 Active 658 DOM
  13. 2026-07-23
    days on market $238,990 Active 657 DOM
  14. 2026-07-22
    days on market $238,990 Active 656 DOM
  15. 2026-07-21
    days on market $238,990 Active 655 DOM
  16. 2026-07-18
    days on market $238,990 Active 652 DOM
  17. 2026-07-16
    days on market $238,990 Active 650 DOM
  18. 2026-07-16
    days on market $238,990 Active 649 DOM
  19. 2026-07-14
    days on market $238,990 Active 648 DOM
  20. 2026-07-13
    days on market $238,990 Active 647 DOM
  21. 2026-07-12
    days on market $238,990 Active 646 DOM
  22. 2026-07-11
    days on market $238,990 Active 645 DOM
  23. 2026-07-10
    days on market $238,990 Active 644 DOM
  24. 2026-07-09
    days on market $238,990 Active 643 DOM
  25. 2026-07-08
    days on market $238,990 Active 642 DOM
  26. 2026-07-07
    days on market $238,990 Active 641 DOM
  27. 2026-07-06
    days on market $238,990 Active 640 DOM
  28. 2026-07-05
    days on market $238,990 Active 639 DOM
  29. 2026-07-04
    days on market $238,990 Active 638 DOM
  30. 2026-07-03
    days on market $238,990 Active 637 DOM
  31. 2026-07-02
    days on market $238,990 Active 636 DOM
  32. 2026-07-01
    days on market $238,990 Active 635 DOM
  33. 2026-06-30
    days on market $238,990 Active 634 DOM
  34. 2026-06-29
    days on market $238,990 Active 633 DOM
  35. 2026-06-28
    days on market $238,990 Active 632 DOM
  36. 2026-06-28
    days on market $238,990 Active 631 DOM
  37. 2026-06-27
    days on market $238,990 Active 630 DOM
  38. 2026-06-25
    days on market $238,990 Active 628 DOM
  39. 2026-06-23
    days on market $238,990 Active 626 DOM
  40. 2026-06-21
    days on market $238,990 Active 625 DOM
  41. 2026-06-19
    days on market $238,990 Active 623 DOM
  42. 2026-06-18
    days on market $238,990 Active 622 DOM
  43. 2026-06-17
    days on market $238,990 Active 621 DOM
  44. 2026-06-16
    days on market $238,990 Active 620 DOM
  45. 2026-06-15
    days on market $238,990 Active 619 DOM
  46. 2026-06-14
    days on market $238,990 Active 617 DOM
  47. 2026-06-13
    days on market $238,990 Active 616 DOM
  48. 2026-06-10
    days on market $238,990 Active 614 DOM
  49. 2026-06-09
    days on market $238,990 Active 613 DOM
  50. 2026-06-09
    days on market $238,990 Active 612 DOM

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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,000
− Mortgage interest
−$13,491
− Property taxes
−$3,613
− Insurance
−$1,204
− Repairs & maintenance
−$1,920
− Management
−$1,920
− Depreciation
−$7,007
Taxable loss
−$5,155
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,237
After-tax cash flow
$224/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 home is in excellent condition with modern amenities and a well-maintained exterior. It is move-in ready and would benefit from minor exterior painting and landscaping improvements to enhance its curb appeal.

Value-add opportunities

  • Resale Painting exterior siding — Enhances curb appeal and can add value
  • Resale Landscaping improvements — Enhances curb appeal and can add value
  • Both Add smart home features — Improves convenience and can increase both resale and rental value
F Composite school gradezoned avg 19/100

Zoned Schools

Elementary Skyview Elementary School F GA #582/1,228 Nat'l #24,950/41,679 Middle Rutland Middle School F GA #349/470 Nat'l #11,652/14,009 High Rutland High School F GA #394/424 Nat'l #16,861/17,239

Schools (NCES district)

District
Bibb County
NCES district ID
1300420
Math proficiency
11% ▼ -14.00%
Reading proficiency
18% ▼ -11.00%
Median HH income
$37,426
Composite
12.13/100
National rank
#9654
State rank
#161 of 174 in GA

Livability — Macon-Bibb County

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

Census & demographics

Census place
Macon-Bibb County, GA
County
Bibb · 148,772 people
City population
143,186
Metro
Macon-Bibb County, GA
Population (ZIP)
9,308
Household income
$87,731
Rent vs Own
11.0% rent · 89.0% own

Population outlook (Bibb County) Hauer SSP2

Today (2025)
148,772 people
By 2030
145,904 · -1.9%
By 2040
139,404 · -6.3%
By 2050
131,603 · -11.5%
By 2075
111,050 · -25.4%
By 2100
83,346 · -44.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (68%)
Race & ethnicity
White 68% Black 23% Two or more races 4% Asian 3% Hispanic / Latino 3%
Common ancestry
Italian 2% Lithuanian 1%
Foreign-born
2% · Canada, Jamaica
Languages at home
96% English-only · Spanish 2% Other Indo-European 1% Arabic 1%

Political lean MEDSL · Bibb

2024 margin
Strong D (+22.4) · D 61.0% · R 38.5%
2008→2024 swing
+4.4pp toward D · 2008: 18.0pp · 2024: 22.4pp
All cycles
2024: D+22.4 2020: D+23.8 2016: D+20.2 2012: D+20.0 2008: D+18.0

Not yet ingested

Civics

Price history

-2.0% since first listed
11 events — show timeline
  • 2026-02-20 Price Changed $238,990 Zillow
  • 2026-02-19 Price Changed $235,990 Zillow
  • 2026-02-12 Price Changed $232,990 Zillow
  • 2026-01-10 Price Changed $230,990 Zillow
  • 2025-12-20 Price Changed $227,990 Zillow
  • 2025-10-24 Price Changed $223,990 Zillow
  • 2025-09-27 Price Changed $233,990 Zillow
  • 2025-05-02 Price Changed $238,990 Zillow
  • 2025-04-08 Price Changed $236,990 Zillow
  • 2025-03-18 Price Changed $234,990 Zillow
  • 2024-10-04 Listed $243,990 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…