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C- Composite 51.87
Why this score? — see what drove the C- 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 +15.0/30.0
  • Appreciation +8.3/10.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Livability +3.1/5.0
  • Schools +3.0/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$22,000

63 Avondale Ln #333 · Avon, CO 81620
2 bd · 2.0 ba · 1,048 sqft · Timeshare · 396 Days on market
Built 1998 $487/mo HOA · 13% of rent ↓ 51% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This luxury 1/20th deeded fractional ownership includes one fixed ski week #11, a floating summer week and another 3 or 4 days during the off season, spring/fall. Ownership includes exchanging opportunities to other Hyatt Residence Clubs and Hyatt hotels when purchased through an Authorized Reseller.

Key facts

  • Built 1998
  • Listed 395 days

Property features AI

Finance

  • HOA & community: Annual association fee of 5841 (includes common area maintenance, water, sewer); Community fitness center; Front desk; Shuttle service

Exterior

  • Home design: Multi-family zoning
  • Construction: Tile roof; Poured-in-place foundation
  • Exterior features: Trails nearby; Shuttle service

Interior

  • Kitchen: Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator
  • Bedrooms: 2 bedrooms
  • Flooring: Tile
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Baseboard heating
  • Interior features: Furnished; Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator; Washer; Washer/Dryer
  • Laundry & utility: Washer; Washer/Dryer

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath timeshare listed at $22k.

Deal economics

  • At list price, monthly cash flow is $2k ($28k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $22k).
  • Recommended offer: $19k (12.0% below list) — sets the bar for market timing.
  • Cap rate 139.0% vs local median 2.3% in Avon — 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 61/100 on livability (#220 in CO) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, housing B; Watch: schools F, crime D-, amenities 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.
  • Market conditions: 448 active listings in the ZIP; solid renter incomes; 387 units permitted in Eagle County in 2024 (256 in 5+ unit buildings).
  • At $3,888/mo this rent would consume 45% of the median local household income ($103k/yr) (locally 744% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • In year one you build about $2k of equity ($152 loan paydown + $1k appreciation (6.6% local appreciation)).
  • Eagle County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (6.6% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 396 days — a 12% lower offer ($19k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $6k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: flood insurance adds $66/mo.
  • Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $19,360 (12.0% below list)

Questions for the listing agent

  1. It's been on market 396 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
17.67%
Cap rate
138.99%
Cash-on-cash
473.90%
DSCR
22.09
GRM
0.5

CMA / ARV

ARV (on-the-fly)
$10,480
Comps found
7
Show comp detail 7 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
63 Avondale Ln #333-Week 12 0.00mi 2/2.0 1,048 (0%) 15mo $26,000 $25 87
210 Offerson #212-35&36 0.08mi 1/2.0 (-1) 1,050 (+0%) 7mo $4,000 $4 85
210 Offerson #212-12 0.08mi 1/2.0 (-1) 1,050 (+0%) 13mo $10,000 $10 80
210 Offerson Rd #R-112, Weeks 51 & 52 0.08mi 1/2.0 (-1) 986 (-6%) 10mo $125,000 $127 73
63 Avondale Ln #431, Week 13 0.04mi 2/2.0 1,180 (+13%) 14mo $6,000 $5 66
63 Avondale Ln #333 - week 6 0.00mi 2/2.0 1,200 (+14%) 16mo $12,000 $10 62
210 Offerson #111-10 0.08mi 2/3.0 1,200 (+14%) 9mo $33,000 $28 61

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

Projected returns pro-forma

6.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
26.70×
Total profit
$158,294
Equity at exit
$14,721
10-year hold
IRR
Equity multiple
57.53×
Total profit
$348,216
Equity at exit
$27,500

Cash invested: $6,160 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
38 Tenant-Leaning
State Colorado
38 Tenant-Leaning · D+4
County
— inherits STATE
City
— inherits STATE
2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

ZIP-level market 81620

Home prices YoY
1.9%
Active inventory
448
Price-to-rent
0.5×

Monthly cashflow live

Estimated rent
$3,888 medium interval (Pro) →
Mortgage (P&I)
$115
Tax est. 1.5%
$28 /mo · $330/yr
Insurance
$9
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$487
Vacancy / Maint / Mgmt
$817
Net cashflow
$2,366

Break-even live

Break-even rent $893
Max offer price $22,000
Occupancy floor 34%

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
$5,500
Closing costs
$660
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

HOA detail

Monthly dues
$487 · $5,844/yr

Listing history 19 events

  1. 2026-06-19
    days on market $22,000 Active 396 DOM
  2. 2026-06-18
    days on market $22,000 Active 395 DOM
  3. 2026-06-17
    days on market $22,000 Active 394 DOM
  4. 2026-06-16
    days on market $22,000 Active 393 DOM
  5. 2026-06-15
    days on market $22,000 Active 392 DOM
  6. 2026-06-14
    days on market $22,000 Active 390 DOM
  7. 2026-06-12
    days on market $22,000 Active 389 DOM
  8. 2026-06-09
    days on market $22,000 Active 386 DOM
  9. 2026-06-08
    days on market $22,000 Active 385 DOM
  10. 2026-06-07
    days on market $22,000 Active 384 DOM
  11. 2026-06-05
    days on market $22,000 Active 381 DOM
  12. 2026-06-03
    days on market $22,000 Active 380 DOM
  13. 2026-06-02
    days on market $22,000 Active 379 DOM
  14. 2026-06-01
    days on market $22,000 Active 378 DOM
  15. 2026-05-31
    days on market $22,000 Active 377 DOM
  16. 2026-05-30
    days on market $22,000 Active 376 DOM
  17. 2026-01-26
    price $22,000
  18. 2025-05-19
    listed $28,000 Active
  19. 2025-02-05
    listed $45,000 Active 301-char remark
    Show marketing remark (301 chars)

    This luxury 1/20th deeded fractional ownership includes one fixed ski week #11, a floating summer week and another 3 or 4 days during the off season, spring/fall. Ownership includes exchanging opportunities to other Hyatt Residence Clubs and Hyatt hotels when purchased through an Authorized Reseller.

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

Climate risk First Street

  • 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 1/10 Low 14 d/yr ≥72°F today · 37 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$46,659
− Mortgage interest
−$1,232
− Property taxes
−$330
− Insurance
−$908
− Repairs & maintenance
−$3,733
− Management
−$3,733
− HOA
−$5,844
− Depreciation
−$640
Taxable income
$30,240
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$7,258
After-tax cash flow
$21,137/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
Eagle County School District No. RE-50
NCES district ID
0803540
Math proficiency
22% ▼ -8.00%
Reading proficiency
42% ▼ -4.00%
Median HH income
$73,322
Composite
30.01/100
National rank
#6360
State rank
#39 of 86 in CO

Livability — Avon

Score
61/100
State rank
#220
US rank
#17858

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Eagle County · 42,178 people
City population
10,870
Metro
Edwards, CO
Population (ZIP)
10,870
Household income
$102,775
Rent vs Own
46.9% rent · 53.1% own
Severe rent burden
744.0

Population outlook (Eagle County) Hauer SSP2

Today (2025)
57,837 people
By 2030
59,258 · +2.5%
By 2040
60,698 · +4.9%
By 2050
60,206 · +4.1%
By 2075
54,326 · -6.1%
By 2100
47,000 · -18.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 62% Hispanic / Latino 23% Two or more races 23% Asian 3% Black 2%
Hispanic origin (detail)
Mexican 14%
Common ancestry
Italian 3% Scotch-Irish 2% Slovak 2%
Foreign-born
14% · Canada, Dominican Republic
Languages at home
78% English-only · Spanish 15% Other Indo-European 4% Chinese 1%

Political lean MEDSL · Eagle

2024 margin
Strong D (+24.4) · D 61.0% · R 36.5% · Other 2.5%
2008→2024 swing
+1.3pp toward D · 2008: 23.1pp · 2024: 24.4pp
All cycles
2024: D+24.4 2020: D+29.8 2016: D+19.9 2012: D+14.7 2008: D+23.1

Not yet ingested

Civics

Market trends

HPI YoY
▲ 6.63%
Current HPI
363.7493
Rent YoY
Metro
Edwards, CO
State GDP YoY
▲ 1.95%
F500 in state
14

Industry mix (Fortune 500 HQ in CO)

Industry F500 HQs Revenue

Price history

-51.1% since first listed
3 events — show timeline
  • 2026-01-26 Price Changed $22,000 VMLS
  • 2025-05-19 Listed $28,000 VMLS
  • 2025-02-05 Listed $45,000 VMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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