3 bd · 2.5 ba ·
1,943 sqft ·
Built 2026
· SingleFamily
· Active
· 128 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$3,339/mo
Mortgage (P&I)
−$2,775
Tax + insurance
−$327
HOA
−$0
Vac / Maint / Mgmt
−$701
Net cashflow
$-464/mo
Annual
$-5,571/yr
Cap rate
5.24%
Cash-on-cash
-3.76%
DSCR
0.83
1% rule
0.63%
Cash to close
$148,187
Investor read
This is a 3-bed/2.5-bath single-family listed at $529k.
At list price, monthly cash flow is $-464 ($-6k/yr) — negative.
To cash-flow at today's rent, offer at most $447k (15.5% below list).
To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $334k (36.9% below list).
It's been on market 128 days — a 12% lower offer ($466k) is reasonable based on typical stale-listing flexibility.
Recommended offer: $334k (36.9% below list) — sets the bar for 1% rule.
Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $16k of value loss. Plan a longer hold.
Location reads 67/100 on livability (#314 in CA) — a middle-class / working-renter tenant base. Strengths: employment A, housing A; Watch: amenities C-, cost of living F.
Woodland Joint Unified (suburban): math 34% / reading 58% proficiency, ranked #171 of 517 in CA (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
Zoned schools: Ramon S. Tafoya Elementary (784 students, 76% FRL); Douglass Middle (808 students, 76% FRL); Pioneer High (math 40% / reading 62%, grade D+, #319 of 1,170 statewide, top 28%, 1,635 students, 71% FRL) — zoned schools average 74% FRL vs 54% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
Market conditions: Rents rising fast (+5.4%/yr); 99 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 721 units permitted in Yolo County in 2024 (260 in 5+ unit buildings).
Yolo County population projected at +31% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Cap rate 5.2% vs local median 3.4% in Woodland — 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 38% of the median local income ($107k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Questions for listing agent
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?
It's been on market 128 days. Have you received any prior offers? Is the seller open to a 37% concession, seller financing, or rate buy-down credit?
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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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?
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.
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.
CashFlowRE · CFR-J29JNK57YTSVQ9
· Data 1 day agocashflowre.app · 2026-05-29