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4105 Snowmountain Rd
C Composite 59.87
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 +18.3/30.0
  • ARV discount +15.0/15.0
  • DSCR +6.0/10.0
  • 1% rule +5.3/10.0
  • Rent growth +4.1/5.0
  • Livability +4.0/5.0
  • Condition / age +3.8/5.0
  • Schools +3.4/10.0
  • Appreciation +0.0/10.0

$125,000

4105 Snowmountain Rd · Yakima, WA 98908
2 bd · 1.0 ba · 900 sqft · Townhouse · 162 Days on market
55+ age-restricted Built 1952 Good condition Garage $139/sqft · 18% below area Est $152k · 18% under ↓ 4% since listing

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

Listing remarks

Welcome to easy, low-maintenance living in this beautifully updated 55+ Co-Op ideally located directly across from Westpark Shopping Center, offering convenient access to a variety of restaurants, services, and shopping just steps from your door. This inviting 2-bedroom, 1 bath home features upgrades throughout, combining comfort and style in every space. The remodeled kitchen includes soft-close cabinets, stainless steel appliances, and plenty of storage for everyday living. Enjoy year-round comfort with central air and forced-air heat. The versatile guest bedroom includes a Murphy bed, making it perfect for visitors or a home office.

Key facts

  • Soft-close cabinets
  • Remodeled kitchen
  • Murphy bed

Tags

REMODELED KITCHENSOFT-CLOSE CABINETSSTAINLESS STEEL APPLIANCESMURPHY BEDPRIVATE GARAGELOW-MAINTENANCE LIVING

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-bed/1.0-bath townhouse listed at $125k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $190 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $125k).
  • Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.1% vs local median 3.1% in Yakima — 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 80/100 on livability (#98 in WA, #1,912 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: employment D, crime F.
  • Yakima School District (urban): math 34% / reading 42% proficiency, ranked #238 of 291 in WA (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 76% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Gilbert Elementary School (413 students, 71% FRL); Wilson Middle School (856 students, 72% FRL); Davis High School (2,330 students, 83% FRL) — zoned schools at 75% FRL track the district average.
  • Market conditions: Rents rising fast (+6.5%/yr); 554 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 468 units permitted in Yakima County in 2024 (23 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Yakima County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 6.5% rent growth), your $35k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 162 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $110,000 (12.0% below list)

Questions for the listing agent

  1. It's been on market 162 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. Crime grade is F 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?
  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
1.07%
Cap rate
8.12%
Cash-on-cash
6.53%
DSCR
1.29
GRM
7.8

CMA / ARV

ARV (median comp)
$152,334
List price
$125,000
Delta
-17.94%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 9 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
313 N 42nd Ave 0.10mi 2/1.0 900 (0%) 1mo $131,500 $146 94
217 N 42nd Ave 0.04mi 2/1.0 925 (+3%) 6mo $101,000 $109 89
235 N 38th Ave 0.25mi 2/1.0 900 (0%) 11mo $155,000 $172 79
214 N 38th Ave #5 0.22mi 2/1.0 900 (0%) 17mo $140,000 $156 76
216 N 38th Ave #4 0.22mi 1/1.0 (-1) 800 (-11%) 13mo $110,000 $138 56
105 Peach Tree Ln #3 0.66mi 2/2.0 944 (+5%) 6mo $278,000 $294 52
316 N 38th Ave 0.26mi 2/1.0 1,002 (+11%) 21mo $199,000 $199 51
105 Peach Tree Ln #1 0.66mi 2/2.0 944 (+5%) 23mo $275,000 $291 38
701 S 38th Ave #1 0.72mi 2/1.0 985 (+9%) 23mo $174,000 $177 32

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 · 6.45% rent growth · sell at horizon

5-year hold
IRR
-2.4%
Equity multiple
0.91×
Total profit
$-3,312
Equity at exit
$18,638
10-year hold
IRR
10.7%
Equity multiple
1.97×
Total profit
$33,932
Equity at exit
$10,808

Cash invested: $35,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
28 Tenant-Leaning
State Washington
28 Tenant-Leaning · D+8
County
— inherits STATE
City
— inherits STATE
Just-cause statewide (2021); Seattle layers rent control restrictions + relocation assistance; very tenant-friendly.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
8 active · 5 under contract
Months of supply
8.0 mo (12%/mo absorbed)
Median asking
$132,500 ($144/sqft)
Median days on market
91 d
This list price
38% of active listings are priced below it
ARV vs active asking
+17.6% above current asking $/sqft

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

ZIP-level market 98908

Rents YoY
6.5%
Active inventory
554
Price-to-rent
7.8×

Monthly cashflow live

Estimated rent
$1,335 high interval (Pro) →
Mortgage (P&I)
$656
Tax est. 1.5%
$156 /mo · $1,875/yr
Insurance
$52
HOA
$0
Vacancy / Maint / Mgmt
$280
Net cashflow
$190

Break-even live

Break-even rent $1,093
Max offer price $125,000
Occupancy floor 81%

Sensitivity live

Price -10% $277 -5% $234 +0% $190 +5% $147 +10% $104
Rent -10% $85 -5% $138 +0% $190 +5% $243 +10% $296
Rate -1.0pp $253 -0.5pp $222 base $190 +0.5pp $158 +1.0pp $125

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
$31,250
Closing costs
$3,750
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 30 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
309 N 41st Ave Apt 1 Yakima, WA 2.0 1.0 650 $925 $1.42 6d 1 0.11mi
4105 W Lincoln Ave Unit 1/2 Yakima, WA 1.0 1.0 940 $780 $0.83 0d 1 0.19mi
4004 W Walnut St Yakima, WA 2.0 1.0 763 $1,212 $1.59 109d 3 0.46mi
4004 W Walnut St Apt 16 Yakima, WA 2.0 1.0 763 $1,225 $1.61 139d 1 0.46mi
4004 W Walnut St Apt 4 Yakima, WA 2.0 1.0 763 $1,225 $1.61 116d 1 0.46mi
402 S 40th Ave Unit 1/2 Yakima, WA 3.0 1.0 900 $1,695 $1.88 6d 1 0.47mi
4004 Bell Ave Yakima, WA 1.0 1.0 600 $1,045 $1.74 0d 1 0.52mi
213 S 48th Ave Yakima, WA 3.0 1.0 1116 $1,471 $1.32 0d 1 0.54mi
3601 Fairbanks Ave Yakima, WA 1.0 1.0 672 $951 $1.42 0d 9 0.59mi
409 S 50th Ave Unit 2 Yakima, WA 2.0 1.0 784 $1,250 $1.59 109d 1 0.74mi
705 S 45th Ave Yakima, WA 2.0 1.0 1001 $1,635 $1.63 0d 1 0.75mi
4804 Bonnie Ln Yakima, WA 2.0 1.0 900 $1,300 $1.44 0d 1 0.83mi
905 S 44th Ave Yakima, WA 2.0–3.0 1.0–1.5 965 $1,350 $1.40 109d 3 0.88mi
905 S 44th Ave Unit B04 Yakima, WA 3.0 1.5 1100 $1,575 $1.43 139d 1 0.88mi
805 S 48th Ave Unit W805-B Yakima, WA 2.0 1.5 1060 $1,200 $1.13 6d 1 0.90mi
603 S 31st Ave Yakima, WA 2.0 1.0 736 $1,450 $1.97 6d 1 0.90mi
3417 Cascade Loop Yakima, WA 2.0 1.0 1000 $1,825 $1.82 0d 1 0.93mi
915 S 41st Ave Yakima, WA 1.0–2.0 1.0–1.5 750 $1,395 $1.86 0d 3 0.94mi
Cascade Loop Yakima, WA 2.0 1.0 1030 $1,800 $1.75 109d 1 0.95mi
2605 W Lincoln Ave Yakima, WA 3.0 1.0 990 $1,600 $1.62 139d 1 0.95mi
3413 Cascade Loop Yakima, WA 2.0 1.0 1000 $1,825 $1.82 109d 1 0.96mi
1009 S 41st Ave Unit 2 Yakima, WA 2.0 1.0 700 $1,195 $1.71 4d 1 1.00mi
1009 S 41st Ave Unit 4 Yakima, WA 2.0 1.0 700 $1,195 $1.71 6d 1 1.01mi
1020 S 41st Ave Yakima, WA 1.0 1.0 525 $995 $1.90 0d 1 1.05mi
2410 Englewood Ave Yakima, WA 3.0 1.0 1055 $1,700 $1.61 6d 1 1.11mi
3408 Vincenta Way Unit B Yakima, WA 2.0 2.0 931 $1,485 $1.60 6d 1 1.22mi
1105 S 34th Ave Unit 1105 Yakima, WA 2.0 1.0 975 $1,300 $1.33 6d 1 1.23mi
406 S 60th Ave Unit B Yakima, WA 2.0 2.0 664 $1,108 $1.67 109d 1 1.27mi
4106 McLean Dr Yakima, WA 3.0 2.0 1100 $1,700 $1.55 116d 1 1.44mi
4903 Castleview Dr Unit A Yakima, WA 2.0 2.0 1017 $1,375 $1.35 0d 1 1.46mi

Property features AI

Finance

Other
Located in the Westpark subdivisionZoned R3 (multi-family residential)
HOA & community
Located in a senior community

Exterior

Parking
Attached garage with 1 spaceGarage door openerOff-street parking
Utilities
Public waterSewer connected
Home design
Residential condominiumSingle-story
Construction
Frame and brick construction
Exterior features
Composition roof

Interior

Kitchen
DishwasherDisposalMicrowaveRangeDouble ovenOvenRefrigerator
Flooring
Carpet
Bathrooms
1 full bathroom
Heating & cooling
Central air conditioningForced air heating
Interior features
PantryStorm windows

Listing history 50 events

  1. 2026-09-24
    days on market $125,000 Active 162 DOM
  2. 2026-09-24
    days on market $125,000 Active 161 DOM
  3. 2026-09-22
    days on market $125,000 Active 160 DOM
  4. 2026-09-20
    days on market $125,000 Active 158 DOM
  5. 2026-09-18
    days on market $125,000 Active 156 DOM
  6. 2026-09-17
    days on market $125,000 Active 155 DOM
  7. 2026-09-16
    days on market $125,000 Active 154 DOM
  8. 2026-09-15
    days on market $125,000 Active 153 DOM
  9. 2026-09-14
    days on market $125,000 Active 152 DOM
  10. 2026-09-13
    days on market $125,000 Active 151 DOM
  11. 2026-09-12
    days on market $125,000 Active 150 DOM
  12. 2026-09-11
    days on market $125,000 Active 149 DOM
  13. 2026-09-05
    days on market $125,000 Active 143 DOM
  14. 2026-09-04
    days on market $125,000 Active 142 DOM
  15. 2026-09-03
    pricedays on market $125,000 Active 141 DOM
  16. 2026-08-31
    days on market $135,000 Active 138 DOM
  17. 2026-08-30
    days on market $135,000 Active 137 DOM
  18. 2026-08-29
    days on market $135,000 Active 136 DOM
  19. 2026-08-28
    days on market $135,000 Active 135 DOM
  20. 2026-08-27
    days on market $135,000 Active 134 DOM
  21. 2026-08-26
    days on market $135,000 Active 133 DOM
  22. 2026-08-25
    days on market $135,000 Active 132 DOM
  23. 2026-08-24
    days on market $135,000 Active 131 DOM
  24. 2026-08-23
    days on market $135,000 Active 130 DOM
  25. 2026-08-22
    days on market $135,000 Active 129 DOM
  26. 2026-08-21
    days on market $135,000 Active 128 DOM
  27. 2026-08-20
    days on market $135,000 Active 127 DOM
  28. 2026-08-19
    days on market $135,000 Active 126 DOM
  29. 2026-08-18
    days on market $135,000 Active 125 DOM
  30. 2026-08-17
    days on market $135,000 Active 124 DOM
  31. 2026-08-16
    days on market $135,000 Active 123 DOM
  32. 2026-08-15
    days on market $135,000 Active 122 DOM
  33. 2026-08-14
    days on market $135,000 Active 121 DOM
  34. 2026-08-13
    days on market $135,000 Active 120 DOM
  35. 2026-08-12
    days on market $135,000 Active 119 DOM
  36. 2026-08-11
    days on market $135,000 Active 118 DOM
  37. 2026-08-10
    days on market $135,000 Active 117 DOM
  38. 2026-08-09
    days on market $135,000 Active 116 DOM
  39. 2026-08-08
    days on market $135,000 Active 115 DOM
  40. 2026-08-07
    days on market $135,000 Active 114 DOM
  41. 2026-08-06
    days on market $135,000 Active 113 DOM
  42. 2026-08-05
    days on market $135,000 Active 112 DOM
  43. 2026-08-04
    days on market $135,000 Active 111 DOM
  44. 2026-08-03
    days on market $135,000 Active 110 DOM
  45. 2026-07-31
    days on market $135,000 Active 107 DOM
  46. 2026-07-29
    days on market $135,000 Active 105 DOM
  47. 2026-07-27
    days on market $135,000 Active 103 DOM
  48. 2026-07-25
    days on market $135,000 Active 101 DOM
  49. 2026-07-23
    days on market $135,000 Active 99 DOM
  50. 2026-07-22
    days on market $135,000 Active 98 DOM

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 14 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 9/10 Extreme 14 unhealthy d/yr today · 16 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$16,015
− Mortgage interest
−$7,002
− Property taxes
−$1,875
− Insurance
−$625
− Repairs & maintenance
−$1,281
− Management
−$1,281
− Depreciation
−$3,636
Taxable income
$314
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$75
After-tax cash flow
$2,210/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 · 11 photos

Good 75/100 Cosmetic rehab Est. rehab $4,500–$13,500 screening

This 2-bedroom, 1-bath townhouse is in good condition with recent updates, offering a move-in-ready living experience. It's located in a convenient area with easy access to shopping and dining. Potential buyers and renters will appreciate the well-maintained interior and exterior, as well as the central air and forced-air heat systems.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
  • Both Landscaping improvements — Enhanced landscaping can increase curb appeal and property value.
  • Both New flooring in bathrooms — Replacing old carpet with tile or laminate can improve both resale and rental value.
  • Both New kitchen appliances — Upgrading to modern appliances can increase both resale and rental value.
  • Both New bathroom vanity — Replacing the current vanity with a larger, more modern one can improve both resale and rental value.

ⓘ 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.

Zoned Schools

Elementary Gilbert Elementary School Middle Wilson Middle School High Davis High School

Schools (NCES district)

District
Yakima School District
NCES district ID
5310110
Math proficiency
34% ▼ -1.00%
Reading proficiency
42% ▬ 0.00%
Median HH income
$36,538
Composite
34.04/100
National rank
#10305
State rank
#238 of 291 in WA
A Composite livability gradescore 80/100

Livability — Yakima

Score
80/100
State rank
#98
US rank
#1912

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Yakima, WA
County
Yakima County · 256,514 people
City population
115,918
Metro
Yakima, WA
Population (ZIP)
38,060
Household income
$84,197
Rent vs Own
31.1% rent · 68.9% own
Severe rent burden
11% of renters

Population outlook (Yakima County) Hauer SSP2

Today (2025)
256,514 people
By 2030
259,403 · +1.1%
By 2040
265,677 · +3.6%
By 2050
273,061 · +6.5%
By 2075
296,991 · +15.8%
By 2100
315,291 · +22.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (68%)
Race & ethnicity
White 68% Hispanic / Latino 24% Two or more races 12% Asian 2%
Hispanic origin (detail)
Mexican 22%
Common ancestry
Portuguese 4% Italian 3% Lithuanian 2%
Foreign-born
7% · Canada, China, South Korea
Languages at home
82% English-only · Spanish 16% German/W. Germanic 1%

Political lean MEDSL · Yakima

2024 margin
R (+14.3) · D 41.6% · R 55.9% · Other 2.5%
2008→2024 swing
-3.8pp toward R · 2008: -10.6pp · 2024: -14.3pp
All cycles
2024: R+14.3 2020: R+7.7 2016: R+15.4 2012: R+15.1 2008: R+10.6

Not yet ingested

Civics

Price history

-3.6% since first listed
2 events — show timeline
  • 2026-06-03 Price Changed $135,000 YAMLS
  • 2026-04-15 Listed $140,000 YAMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…