CashFlowRE
Sign in Sign up
139 Dakota Dr
C- Composite 54.84
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 +25.6/30.0
  • DSCR +8.5/10.0
  • 1% rule +6.1/10.0
  • Appreciation +5.1/10.0
  • Livability +2.6/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +2.0/10.0
  • ARV discount +0.0/15.0

$75,000

139 Dakota Dr · Scarbro, WV 25917
1 bd · 1.0 ba · 768 sqft · SingleFamily public records · 34 Days on market
Built 1900 7.88 ac lot Est $53k · 42% over

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

Listing remarks MLS

Mountaintop views with great hunting fishing and ATVing. It's close to Plum Orchard Lake, BSA Camp and New River George, This 4 bedroom 2 bath home has a detached 2 car garage with a 1 bedroom apartment on top. House has hemlock siding with a 8 year old roof. This would make a great camp, investment property or. .. L@@K This is very private property on a dead end street and is priced to sell.

Key facts

  • 7.88 acre lot
  • Built 1900
  • Listed 34 days

Property features AI

Exterior

  • Security: Smoke detectors
  • Utilities: Public water
  • Home design: Single family residence; Two levels; 2 stories
  • Construction: Aluminum siding; Block construction; Composition/shingle roof
  • Exterior features: Porch

Interior

  • Kitchen: Dishwasher; Electric range; Gas range; Microwave; Refrigerator; Garbage disposal
  • Flooring: Tile flooring
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Baseboard heating; Electric heating; Forced air heating; Has heating
  • Interior features: Insulated windows; Partial basement; Basement present; 5 total rooms

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 1-bed/1.0-bath single-family listed at $75k.

Deal economics

  • At list price, monthly cash flow is $177 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($835 rent vs $75k).
  • Recommended offer: $73k (3.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 51/100 on livability (#325 in WV) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
  • Fayette County Schools (suburban): math 17% / reading 31% proficiency, ranked #51 of 55 in WV (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: Oak Hill High (math 17% / reading 42%, grade F, #69 of 110 statewide, top 71%, 1,164 students, 0% FRL) — zoned schools average 0% FRL vs 54% district-wide (54 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: 2 active listings in the ZIP; 26 units permitted in Fayette County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $641 of equity ($519 loan paydown + $122 appreciation (0.2% local appreciation)).
  • Fayette County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (0.2% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 34 days — a 3% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 8y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $52k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $72,750 (3.0% below list)

Questions for the listing agent

  1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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.
  6. 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.
  7. 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
1.11%
Cap rate
9.13%
Cash-on-cash
10.13%
DSCR
1.45
GRM
7.5

CMA / ARV

ARV (on-the-fly)
$52,992
Comps found
1
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
40 Painter Rd 0.10mi 2/1.0 (+1) 832 (+8%) 6mo $57,000 $69 71

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

Projected returns pro-forma

0.16% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
9.5%
Equity multiple
1.46×
Total profit
$9,658
Equity at exit
$22,389
10-year hold
IRR
14.3%
Equity multiple
2.59×
Total profit
$33,397
Equity at exit
$27,406

Cash invested: $21,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
83 Strongly Landlord-Friendly
State West Virginia
83 Strongly Landlord-Friendly · R+22
County
— inherits STATE
City
— inherits STATE
Landlord-favorable; preempted; minimal protections.

ZIP-level market 25917

Home prices YoY
0.1%
Active inventory
2
Price-to-rent
7.5×

Monthly cashflow live

Estimated rent
$835 medium interval (Pro) →
Mortgage (P&I)
$393
Tax from tax record
$58 /mo · $692/yr
Insurance
$31
HOA
$0
Vacancy / Maint / Mgmt
$175
Net cashflow
$177

Break-even live

Break-even rent $610
Max offer price $75,000
Occupancy floor 74%

Sensitivity live

Price -10% $220 -5% $198 +0% $177 +5% $156 +10% $135
Rent -10% $111 -5% $144 +0% $177 +5% $210 +10% $243
Rate -1.0pp $215 -0.5pp $196 base $177 +0.5pp $158 +1.0pp $138

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
$18,750
Closing costs
$2,250
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.

Listing history 13 events

  1. 2026-06-09
    status $75,000 Pending 34 DOM
  2. 2026-06-08
    days on market $75,000 Active 34 DOM
  3. 2026-06-07
    days on market $75,000 Active 33 DOM
  4. 2026-06-05
    days on market $75,000 Active 30 DOM
  5. 2026-06-03
    days on market $75,000 Active 29 DOM
  6. 2026-06-02
    days on market $75,000 Active 28 DOM
  7. 2026-06-01
    days on market $75,000 Active 27 DOM
  8. 2026-05-31
    days on market $75,000 Active 26 DOM
  9. 2026-05-30
    days on market $75,000 Active 25 DOM
  10. 2026-05-04
    listed $75,000 Active
  11. 2018-07-25
    soldstatus $52,500
  12. 2018-07-20
    soldstatus $54,500 395-char remark
    Show marketing remark (395 chars)

    Mountaintop views with great hunting fishing and ATVing. It's close to Plum Orchard Lake, BSA Camp and New River George, This 4 bedroom 2 bath home has a detached 2 car garage with a 1 bedroom apartment on top. House has hemlock siding with a 8 year old roof. This would make a great camp, investment property or. .. L@@K This is very private property on a dead end street and is priced to sell.

  13. 2018-06-02
    listed $62,900 395-char remark
    Show marketing remark (395 chars)

    Mountaintop views with great hunting fishing and ATVing. It's close to Plum Orchard Lake, BSA Camp and New River George, This 4 bedroom 2 bath home has a detached 2 car garage with a 1 bedroom apartment on top. House has hemlock siding with a 8 year old roof. This would make a great camp, investment property or. .. L@@K This is very private property on a dead end street and is priced to sell.

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

Tax reassessment forecast WV · Resets to sale price

Current annual tax
$692 · $58/mo
Projected year-2 tax
$692 · $58/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥94°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$10,017
− Mortgage interest
−$4,201
− Property taxes
−$692
− Insurance
−$375
− Repairs & maintenance
−$801
− Management
−$801
− Depreciation
−$2,182
Taxable income
$964
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$231
After-tax cash flow
$1,895/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
Fayette County Schools
NCES district ID
5400300
Math proficiency
17% ▼ -12.00%
Reading proficiency
31% ▼ -4.00%
Median HH income
$35,293
Composite
19.77/100
National rank
#8706
State rank
#51 of 55 in WV

Livability — Scarbro

Score
51/100
State rank
#325
US rank
#25461

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Scarbro, WV
Population (ZIP)
1,341

Population outlook (Fayette County) Hauer SSP2

Today (2025)
41,745 people
By 2030
39,758 · -4.8%
By 2040
35,751 · -14.4%
By 2050
32,223 · -22.8%
By 2075
24,307 · -41.8%
By 2100
16,671 · -60.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (82%)
Race & ethnicity
White 82% Black 18%
Common ancestry
Subsaharan African 2% Italian 2% Romanian 1%
Foreign-born
2%
Languages at home
98% English-only · Spanish 2%

Political lean MEDSL · Fayette

2024 margin
Solid R (+41.8) · D 28.1% · R 69.8% · Other 2.1%
2008→2024 swing
-39.0pp toward R · 2008: -2.7pp · 2024: -41.8pp
All cycles
2024: R+41.8 2020: R+38.6 2016: R+39.6 2012: R+21.0 2008: R+2.7

Not yet ingested

Civics

Market trends

HPI YoY
▲ 0.16%
Current HPI
151.2442
Rent YoY
Metro
State GDP YoY
F500 in state
0

Price history

+19.2% since first listed
4 events — show timeline
  • 2026-05-04 Listed $75,000 KVBOR
  • 2018-07-25 Sold (Public Records) $52,500 Public Records
  • 2018-07-20 Sold (MLS) $54,500 BBOR
  • 2018-06-02 Listed $62,900 BBOR

Property tax history

+6.2%/yr

Latest (2025): $692 · -0.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…