CashFlowRE
Sign in Sign up
1530 E 12th St Duplex
B Composite 71.34
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 +27.0/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.3/10.0
  • 1% rule +7.3/10.0
  • Rent growth +3.8/5.0
  • Schools +3.3/10.0
  • Livability +3.0/5.0
  • Condition / age +2.8/5.0
  • Appreciation +0.0/10.0

$244,900

1530 E 12th St · Lehigh Acres, FL 33972
None bd · None ba · 1,788 sqft · MultiFamily · 47 Days on market
Built 1981 Average condition 10,300 sqft lot $137/sqft · 29% below area Est $347k · 29% under ↓ 32% since listing

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

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks

Please come and see this amazing duplex that has been updated inside and out. Also fully rented at great prices too.

Key facts

  • 0.24 acre lot
  • Built 1981
  • Listed 46 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2 × 2-bed/1-bath units multifamily listed at $245k. Condition is rated average.

Deal economics

  • At list price, monthly cash flow is $616 ($7k/yr) — positive. Per door: $308/mo.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $245k).
  • Recommended offer: $238k (3.0% below list) — sets the bar for market timing.
  • Cap rate 9.6% vs local median 4.6% in Lehigh Acres — 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 59/100 on livability (#826 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime C-, employment D+, amenities F.
  • Lee (suburban): math 47% / reading 50% proficiency, ranked #42 of 73 in FL (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Veterans Park Academy For The Arts (math 41% / reading 45%, grade F, #1,366 of 2,144 statewide, top 64%, 2,133 students, 36% FRL); Oak Hammock Middle School (math 43% / reading 41%, grade D-, #340 of 571 statewide, top 61%, 1,563 students, 56% FRL); Lehigh Senior High School (math 23% / reading 45%, grade F, #394 of 667 statewide, top 60%, 2,476 students, 57% FRL).
  • Market conditions: Rents rising fast (+5.3%/yr); 2114 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 82d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; 15,411 units permitted in Lee County in 2024 (4,686 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.
  • Lee County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 5.3% rent growth), your $69k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 47 days — a 3% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 2y ago; this cycle's ask has dropped $30k (11%) 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; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $237,553 (3.0% below list)

Questions for the listing agent

  1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are D-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. 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.
  8. 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.
  9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.23%
Cap rate
9.64%
Cash-on-cash
11.94%
DSCR
1.53
GRM
6.8

CMA / ARV

ARV (median comp)
$346,538
List price
$244,900
Delta
-29.33%
Verdict
UNDERPRICED
Comps
3 within 2.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1010 Michael Ave 0.54mi 2/2.5 1,678 (-6%) 0mo $354,900 $212 64
702 E 15th St 1.08mi 4/2.0 1,800 (+1%) 2mo $140,000 $78 62
903 Jefferson Ave 1.09mi 3/2.0 1,850 (+4%) 1mo $385,000 $208 59
911 Cleveland Ave 0.62mi 4/2.0 1,650 (-8%) 0mo $334,990 $203 58
916 Jefferson Ave 1.05mi 3/3.0 1,700 (-5%) 0mo $390,000 $229 57
809 Robert Ave 1.17mi 3/3.0 1,663 (-7%) 2mo $550,000 $331 52
1208 5th Ave 0.94mi 3/2.0 1,592 (-11%) 0mo $293,000 $184 47
1205 Lake Ave 0.62mi 4/2.0 2,052 (+15%) 1mo $350,000 $171 46
1219 Hibiscus Ave 1.40mi 3/2.0 1,537 (-14%) 1mo $349,000 $227 41
1422 Highland Ave 0.88mi 3/2.0 1,406 (-21%) 0mo $280,000 $199 40
914 Mcarthur Ave 1.21mi 2/2.0 1,375 (-23%) 1mo $285,000 $207 39
302 E 15th St 1.34mi 4/3.0 1,435 (-20%) 2mo $309,900 $216 38

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 · 5.33% rent growth · sell at horizon

5-year hold
IRR
2.5%
Equity multiple
1.10×
Total profit
$6,835
Equity at exit
$36,515
10-year hold
IRR
14.3%
Equity multiple
2.28×
Total profit
$87,844
Equity at exit
$21,174

Cash invested: $68,572 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Florida
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

ZIP-level market 33972

Home prices YoY
-13.6%
Rents YoY
5.3%
Active inventory
2114
Price-to-rent
13.6×

Monthly cashflow live

Estimated rent
$3,006 high interval (Pro) →
Mortgage (P&I)
$1,284
Tax est. 1.5%
$306 /mo · $3,674/yr
Insurance
$102
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$0
Vacancy / Maint / Mgmt
$631
Net cashflow
$616

2-unit breakdown (identical units grouped — click to expand)

UnitsBedsBathsEst. rent
Total (2 units) $3,006

Break-even live

Break-even rent $2,226
Max offer price $244,900
Occupancy floor 75%

Sensitivity live

Price -10% $785 -5% $700 +0% $616 +5% $531 +10% $447
Rent -10% $378 -5% $497 +0% $616 +5% $735 +10% $853
Rate -1.0pp $739 -0.5pp $678 base $616 +0.5pp $552 +1.0pp $488

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
$61,225
Closing costs
$7,347
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 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1221 E 12th St Lehigh Acres, FL 3.0 2.0 1217 $1,400 $1.15 74d 1 0.25mi
1702 E 11th St Lehigh Acres, FL 1.0 1.0 675 $1,250 $1.85 10d 1 0.30mi
1112 E 12th St Lehigh Acres, FL 3.0 2.0 1500 $1,700 $1.13 10d 1 0.35mi
1943 E 12th St Lehigh Acres, FL 3.0 2.0 1600 $1,850 $1.16 119d 1 0.39mi
1900 E 11th St Lehigh Acres, FL 3.0 2.0 1238 $1,950 $1.58 10d 1 0.40mi
910 E 12th St Lehigh Acres, FL 2.0 2.0 1158 $1,550 $1.34 10d 1 0.53mi
910 E 12th St Lehigh Acres, FL 2.0 2.0 1158 $1,550 $1.34 63d 1 0.53mi
1004 E 10th St Lehigh Acres, FL 3.0 2.0 1406 $2,100 $1.49 106d 1 0.66mi
1004 E 10th St Lehigh Acres, FL 3.0 2.0 1406 $2,100 $1.49 88d 1 0.66mi
805 E 13th St Lehigh Acres, FL 3.0 2.0 1407 $1,795 $1.28 99d 1 0.70mi
2002 E 9th St Lehigh Acres, FL 3.0 1.0 920 $1,700 $1.85 78d 1 0.86mi
505 E 12th St Lehigh Acres, FL 3.0 2.0 1113 $1,500 $1.35 5d 1 0.91mi
1407 8th Ave Lehigh Acres, FL 3.0 2.5 1892 $2,300 $1.22 119d 1 0.93mi
504 E 13th St Lehigh Acres, FL 3.0 2.0 1937 $1,895 $0.98 10d 1 0.93mi
414 E 12th St Lehigh Acres, FL 3.0 2.0 1225 $1,500 $1.22 119d 1 0.94mi
503 E 13th St Lehigh Acres, FL 3.0 2.0 1248 $2,300 $1.84 119d 1 0.96mi
921 Jefferson Ave Lehigh Acres, FL 3.0 2.0 1383 $2,600 $1.88 65d 1 1.00mi
301 E 12th St Lehigh Acres, FL 3.0 2.0 1305 $1,850 $1.42 10d 1 1.11mi
301 E 12th St Lehigh Acres, FL 3.0 2.0 1305 $1,700 $1.30 119d 1 1.11mi
808 Greenwood Ave Lehigh Acres, FL 3.0 2.0 1419 $1,800 $1.27 119d 1 1.15mi
704 Broadway Ave Unit 1 Lehigh Acres, FL 3.0 2.0 1197 $1,650 $1.38 112d 1 1.18mi
702 Broadway Ave Lehigh Acres, FL 3.0 2.0 2394 $1,650 $0.69 119d 1 1.20mi
702 Broadway Ave Lehigh Acres, FL 3.0 2.0 2394 $1,700 $0.71 10d 1 1.20mi
702 Broadway Ave Lehigh Acres, FL 3.0 2.0 1200 $1,599 $1.33 65d 1 1.20mi
1601 E 7th St Lehigh Acres, FL 3.0 2.0 1197 $1,700 $1.42 88d 1 1.22mi
1601 E 7th St Lehigh Acres, FL 3.0 2.0 1197 $1,650 $1.38 119d 1 1.22mi
1601 E 7th St Unit 1 Lehigh Acres, FL 3.0 2.0 1197 $1,700 $1.42 72d 1 1.22mi
809 Lincoln Ave Lehigh Acres, FL 3.0 2.0 2192 $2,750 $1.25 10d 1 1.23mi
738 Joel Blvd Lehigh Acres, FL 2.0 2.0 968 $1,050 $1.08 119d 1 1.26mi
732 Joel Blvd Lehigh Acres, FL 2.0 2.0 788 $1,200 $1.52 119d 1 1.26mi
1224 Hamilton Ave Lehigh Acres, FL 3.0 2.0 1347 $1,495 $1.11 3d 1 1.29mi
1224 Hamilton Ave Lehigh Acres, FL 3.0 2.0 1214 $1,495 $1.23 10d 1 1.29mi
1211 McKinley Ave Lehigh Acres, FL 3.0 2.0 1513 $2,500 $1.65 5d 1 1.32mi
1006 Hamilton Ave Lehigh Acres, FL 3.0 2.0 1620 $2,200 $1.36 82d 1 1.32mi
621 Gerald Ave Lehigh Acres, FL 3.0 2.0 1470 $1,600 $1.09 77d 1 1.39mi
623 Joel Blvd Unit A Lehigh Acres, FL 2.0 1.0 679 $1,200 $1.77 10d 1 1.40mi
623 Joel Blvd Unit A Lehigh Acres, FL 2.0 1.0 380 $1,200 $3.16 119d 1 1.40mi
621 Joel Blvd Unit 102 Lehigh Acres, FL 2.0 2.0 1200 $1,300 $1.08 119d 1 1.42mi
14 W 11th St Lehigh Acres, FL 3.0 2.0 1211 $2,000 $1.65 119d 1 1.42mi
14 W 11th St Lehigh Acres, FL 3.0 2.0 1211 $2,000 $1.65 88d 1 1.42mi

Property features AI

Finance

Financial info
Two total unitsTwo units in the communityTenants pay cable TV and electricityPets allowed with no restrictions

Exterior

Utilities
Well waterSeptic tankCable availableElectricity availableTwo separate electric meters
Home design
DuplexSingle-storyLiving area reported as 1,788 (assessor)
Construction
Frame constructionShingle roof
Exterior features
Not waterfront

Interior

Flooring
CarpetTile
Heating & cooling
Central heatingCentral airAttic fan
Interior features
Carpet and tile flooring

Listing history 24 events

  1. 2026-07-01
    days on market $244,900 Active 47 DOM
  2. 2026-06-30
    days on market $244,900 Active 46 DOM
  3. 2026-06-29
    days on market $244,900 Active 45 DOM
  4. 2026-06-28
    days on market $244,900 Active 44 DOM
  5. 2026-06-27
    days on market $244,900 Active 43 DOM
  6. 2026-06-25
    days on market $244,900 Active 40 DOM
  7. 2026-06-22
    days on market $244,900 Active 38 DOM
  8. 2026-06-22
    days on market $244,900 Active 37 DOM
  9. 2026-06-17
    days on market $244,900 Active 33 DOM
  10. 2026-06-16
    days on market $244,900 Active 32 DOM
  11. 2026-06-15
    days on market $244,900 Active 31 DOM
  12. 2026-06-13
    days on market $244,900 Active 29 DOM
  13. 2026-06-10
    days on market $244,900 Active 26 DOM
  14. 2026-06-09
    days on market $244,900 Active 25 DOM
  15. 2026-06-08
    days on market $244,900 Active 24 DOM
  16. 2026-06-07
    days on market $244,900 Active 23 DOM
  17. 2026-06-03
    days on market $244,900 Active 19 DOM
  18. 2026-06-02
    days on market $244,900 Active 18 DOM
  19. 2026-06-01
    days on market $244,900 Active 17 DOM
  20. 2026-05-31
    days on market $244,900 Active 16 DOM
  21. 2026-05-19
    price $244,900
  22. 2026-05-15
    listed $275,000 Active
  23. 2025-07-15
    historical
  24. 2024-07-15
    listed $359,900

ⓘ 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 3/10 Moderate
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 27 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$36,072
− Mortgage interest
−$13,718
− Property taxes
−$3,674
− Insurance
−$2,022
− Repairs & maintenance
−$2,886
− Management
−$2,886
− Depreciation
−$7,124
Taxable income
$3,762
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$903
After-tax cash flow
$6,487/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 · 10 photos

Average 55/100 Cosmetic rehab Est. rehab $8,940–$26,820 screening

A well-maintained but dated duplex with cosmetic updates needed to enhance its curb appeal and rental value.

Repairs flagged

  • Minor Exterior siding — Weathered but not damaged
  • Minor Paint — Faded but not peeling

Value-add opportunities

  • Both Painting exterior and interior — Enhances curb appeal and interior aesthetics
  • Both Re-carpeting or flooring upgrade — Improves living space and rental appeal
  • Both Painting interior walls — Enhances interior aesthetics and rental appeal

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 33/100

Zoned Schools

Elementary Lehigh Elementary School F FL #1,491/2,144 Nat'l #19,354/41,679 Middle Lehigh Acres Middle School F FL #421/571 Nat'l #7,581/14,009 High East Lee County High School F FL #533/667 Nat'l #13,485/17,239

Schools (NCES district)

District
Lee
NCES district ID
1201080
Math proficiency
47% ▼ -11.00%
Reading proficiency
50% ▼ -4.00%
Median HH income
$49,518
Composite
41.49/100
National rank
#3458
State rank
#42 of 73 in FL
D Composite livability gradescore 59/100

Livability — Lehigh Acres

Score
59/100
State rank
#826
US rank
#20055

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Lehigh Acres, FL
County
Lee County · 871,946 people
City population
130,638
Metro
Cape Coral-Fort Myers, FL
Population (ZIP)
17,285
Household income
$73,819
Rent vs Own
19.9% rent · 80.1% own
Severe rent burden
8% of renters

Population outlook (Lee County) Hauer SSP2

Today (2025)
871,946 people
By 2030
955,468 · +9.6%
By 2040
1,113,587 · +27.7%
By 2050
1,256,891 · +44.1%
By 2075
1,560,270 · +78.9%
By 2100
1,726,848 · +98.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.65)
Race & ethnicity
White 44% Hispanic / Latino 38% Two or more races 21% Black 13%
Hispanic origin (detail)
Mexican 8% Puerto Rican 7% Cuban 18%
Common ancestry
Hispanic 6% Italian 2% Romanian 2%
Foreign-born
27% · Canada, Guatemala
Languages at home
61% English-only · Spanish 32% French/Haitian/Cajun 4% Other Indo-European 1%

Political lean MEDSL · Lee

2024 margin
Strong R (+28.4) · D 35.5% · R 63.9%
2008→2024 swing
-18.0pp toward R · 2008: -10.4pp · 2024: -28.4pp
All cycles
2024: R+28.4 2020: R+19.2 2016: R+20.4 2012: R+16.6 2008: R+10.4

Not yet ingested

Civics

Price history

-32.0% since first listed
4 events — show timeline
  • 2026-05-19 Price Changed $244,900 Beaches MLS
  • 2026-05-15 Listed $275,000 Beaches MLS
  • 2025-07-15 Listing Removed Beaches MLS
  • 2024-07-15 Listed $359,900 Beaches MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…