CashFlowRE
Sign in Sign up
No image
D Composite 43.37
Why this score? — see what drove the D 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 +12.7/30.0
  • ARV discount +7.5/15.0
  • 1% rule +7.1/10.0
  • DSCR +3.8/10.0
  • Schools +3.6/10.0
  • Livability +3.6/5.0
  • Rent growth +2.6/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$164,999

170 Lionsgate Dr · Dentsville, SC 29223
4 bd · 3.0 ba · 1,917 sqft · Condo public records · 131 Days on market
Built 1974 $330/mo HOA · 17% of rent

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

Listing remarks

Looking for a townhome? Look no further than 170 Lionsgate Drive! A beautiful townhome featuring updated granite countertops, new flooring and freshly painted interior! Enjoy some fresh air on the upstairs balcony, right outside the bedroom. This townhome radiates cozy and comfort. Located within the heart of the Northeast with easy access to all of your needs and necessities. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Key facts

  • Upstairs balcony
  • Granite countertops
  • $330 HOA

Tags

GRANITE COUNTERTOPSUPSTAIRS BALCONYFRESHLY PAINTED INTERIOR

Property features AI

Finance

  • Other: Paved road access
  • HOA & community: Property is part of an association

Exterior

  • Utilities: Public water; Public sewer
  • Home design: Single-family property
  • Construction: Slab foundation
  • Exterior features: Wood fiber/Masonite siding; Hard coat stucco

Interior

  • Kitchen: Eat-in kitchen; Granite countertops; Painted cabinets
  • Bedrooms: Master bedroom with private closet and balcony/deck (second level); Bedroom 2 with private closet (second level); Bedroom 3 with private closet (second level); Bedroom 4 with private closet (second level)
  • Flooring: Carpet in bedrooms; Luxury vinyl plank in living areas and formal dining room
  • Bathrooms: Two full bathrooms; One half bathroom; Two additional full secondary bathrooms
  • Heating & cooling: Central air conditioning; Electric heating
  • Interior features: Fireplace in living room; Ceiling fan in living room; Formal dining room

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 4-bed/3.0-bath condo listed at $165k.

Deal economics

  • At list price, monthly cash flow is $-17 ($-200/yr) — negative.
  • To cash-flow at today's rent, offer at most $162k (1.8% below list).
  • Meets the 1% rule at list price ($2k rent vs $165k).
  • Recommended offer: $145k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 71/100 on livability (#50 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D+, crime F, commute F.
  • Richland 02 (suburban): math 35% / reading 47% proficiency, ranked #29 of 80 in SC (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Windsor Elementary (math 21% / reading 23%, grade F, #475 of 597 statewide, top 81%, 537 students, 100% FRL); Richland Northeast High (math 42% / reading 82%, grade B-, #99 of 196 statewide, top 53%, 1,359 students, 70% FRL) — zoned schools average 85% FRL vs 38% district-wide (47 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents flat; 341 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
  • This rent runs 38% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Richland County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 131 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 4y 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 $129k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 67% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $145,199 (12.0% below list)

Questions for the listing agent

  1. 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?
  2. It's been on market 131 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  8. 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?
  9. 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?
  10. 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?
  11. 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.
  12. 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.
  13. 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
1.21%
Cap rate
6.17%
Cash-on-cash
-0.43%
DSCR
0.98
GRM
6.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.21% rent growth · sell at horizon

5-year hold
IRR
-21.3%
Equity multiple
0.29×
Total profit
$-32,936
Equity at exit
$24,602
10-year hold
IRR
-28.2%
Equity multiple
-0.08×
Total profit
$-49,934
Equity at exit
$14,266

Cash invested: $46,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State South Carolina
90 Strongly Landlord-Friendly · R+6
County
— inherits STATE
City
— inherits STATE
5-day notice; preempted; landlord-favorable.

ZIP-level market 29223

Rents YoY
0.2%
Active inventory
341
Price-to-rent
6.9×

Monthly cashflow live

Estimated rent
$1,995 high interval (Pro) →
Mortgage (P&I)
$865
Tax from tax record
$328 /mo · $3,941/yr
Insurance
$69
HOA
$330
Vacancy / Maint / Mgmt
$419
Net cashflow
$-17

Break-even live

Break-even rent $2,016
Max offer price $162,061
Occupancy floor 96%

Sensitivity live

Price -10% $77 -5% $30 +0% $-17 +5% $-63 +10% $-110
Rent -10% $-174 -5% $-95 +0% $-17 +5% $62 +10% $141
Rate -1.0pp $66 -0.5pp $25 base $-17 +0.5pp $-59 +1.0pp $-103

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
$41,250
Closing costs
$4,950
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.

Rent comps 7 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1152 Rabon Pond Dr Columbia, SC 3.0 2.5 1522 $1,799 $1.18 13d 1 0.33mi
381 Valley Heights Ln Columbia, SC 3.0 2.5 1471 $1,719 $1.17 25d 1 0.56mi
137 Carr Ln Columbia, SC 3.0 2.5 1250 $1,900 $1.52 5d 1 1.13mi
109 Summer Vale Dr Columbia, SC 4.0 2.5 1800 $2,150 $1.19 5d 1 1.35mi
2058 Mapleton Dr Columbia, SC 3.0 2.5 1476 $1,995 $1.35 23d 1 1.38mi
117 Greenfield Rd Columbia, SC 3.0 2.0 2055 $1,981 $0.96 25d 1 1.43mi
1659 Legrand Rd Columbia, SC 2.0–3.0 2.0–2.5 1450 $2,500 $1.72 5d 12 1.48mi

HOA detail condo

Monthly dues
$330 · $3,960/yr
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 8 events

  1. 2026-05-31
    days on market $164,999 Active 131 DOM
  2. 2026-04-17
    price $164,999
  3. 2026-01-20
    listed $169,999 Active
  4. 2022-04-22
    soldstatus $129,000
  5. 2022-03-24
    historical
  6. 2022-03-16
    listed $129,900 Active
  7. 2022-02-09
    soldstatus $83,000
  8. 1991-05-17
    soldstatus $55,000

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

Tax reassessment forecast SC · Resets to sale price

Current annual tax
$3,941 · $328/mo
Projected year-2 tax
$3,941 · $328/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 3/10 Moderate
  • 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 67% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
$23,936
− Mortgage interest
−$9,243
− Property taxes
−$3,941
− Insurance
−$825
− Repairs & maintenance
−$1,915
− Management
−$1,915
− HOA
−$3,960
− Depreciation
−$4,800
Taxable loss
−$2,662
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$639
After-tax cash flow
$439/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
Richland 02
NCES district ID
4503390
Math proficiency
35% ▼ -15.00%
Reading proficiency
47% ▼ -5.00%
Median HH income
$59,684
Composite
36.2/100
National rank
#4730
State rank
#29 of 80 in SC

Livability — Dentsville

Score
71/100
State rank
#50
US rank
#6940

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Richland County · 389,530 people
City population
52,835
Metro
Columbia, SC
Population (ZIP)
53,074
Household income
$62,408
Rent vs Own
42.4% rent · 57.6% own
Severe rent burden
2857.0

Population outlook (Richland County) Hauer SSP2

Today (2025)
459,667 people
By 2030
487,524 · +6.1%
By 2040
542,035 · +17.9%
By 2050
595,371 · +29.5%
By 2075
732,998 · +59.5%
By 2100
820,415 · +78.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
Black 57% White 23% Hispanic / Latino 11% Two or more races 6% Asian 4%
Hispanic origin (detail)
Mexican 5% Puerto Rican 2%
Common ancestry
Slovak 1% Serbian 1% Italian 1%
Foreign-born
10% · Canada, South Korea
Languages at home
86% English-only · Spanish 8% Other Indo-European 2% Korean 1%

Political lean MEDSL · Richland

2024 margin
Solid D (+34.6) · D 66.4% · R 31.8% · Other 1.8%
2008→2024 swing
+5.7pp toward D · 2008: 28.9pp · 2024: 34.6pp
All cycles
2024: D+34.6 2020: D+38.3 2016: D+32.9 2012: D+33.3 2008: D+28.9

Not yet ingested

Civics

Market trends

HPI YoY
▼ -135.96%
Current HPI
195.3158
Rent YoY
▲ 0.21%
Metro
Columbia, SC
State GDP YoY
▲ 4.51%
F500 in state
2

Industry mix (Fortune 500 HQ in SC)

Industry F500 HQs Revenue

Price history

+200.0% since first listed
7 events — show timeline
  • 2026-04-17 Price Changed $164,999 Consolidated MLS
  • 2026-01-20 Listed $169,999 Consolidated MLS
  • 2022-04-22 Sold (Public Records) $129,000 Public Records
  • 2022-03-24 Delisted Consolidated MLS
  • 2022-03-16 Listed $129,900 Consolidated MLS
  • 2022-02-09 Sold (Public Records) $83,000 Public Records
  • 1991-05-17 Sold (Public Records) $55,000 Public Records

Property tax history

+25.2%/yr

Latest (2025): $3,941 · +2.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…