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D- Composite 38.01
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 +17.5/30.0
  • DSCR +5.5/10.0
  • 1% rule +3.4/10.0
  • Rent growth +3.4/5.0
  • Schools +3.1/10.0
  • Livability +2.7/5.0
  • Condition / age +2.5/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$299,900

None · Avra Valley, AZ 85653
5 bd · 4.0 ba · 1,440 sqft · Manufactured public records · 5 Days on market
Built 1978 1.18 ac lot $208/sqft · 97% above area Est $248k · 21% over

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This is a 1977 Affixed Double wide mobile home - approx 1700 sq ft on 1.18 acre lot in Marana. Priced for quick sale.

Key facts

  • Paved road
  • Extended guest space
  • Rental income

Tags

MULTI-GENERATIONAL LIVINGRENTAL INCOMEEXTENDED GUEST SPACEPAVED ROADPEACEFUL RURAL SETTINGMULTIPLE LIVING SPACES

Property features AI

Finance

  • Other: Property sits on a 51,226 sq. ft. lot; Zoned Pima County - SH; County-maintained road responsibility
  • Financial info: Financial details not provided
  • HOA & community: Community allows horses

Exterior

  • Parking: 1 covered/carport space; Circular driveway; RV access/parking; Oversized parking
  • Security: Security features not provided
  • Utilities: Water from water company; Septic tank
  • Home design: Manufactured home; Single-story; Fixer condition
  • Construction: Frame construction; Shingle and metal roof
  • Exterior features: Covered patio; Patio; Chain link fencing; Paved road access; East/West exposure; Horses allowed

Interior

  • Kitchen: Exhaust fan; Dishwasher; Refrigerator; Lazy Susan; Prep sink; Electric oven; Microwave
  • Bedrooms: Bedrooms information not provided
  • Flooring: Ceramic tile
  • Bathrooms: 4 full bathrooms
  • Heating & cooling: Heat pump; Forced air heating; Central air conditioning
  • Interior features: Kitchen island; Wet bar; Walk-in closets; Low-emissivity, ENERGY STAR-qualified, double pane insulated windows
  • Laundry & utility: Laundry area in kitchen

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 5-bed/4.0-bath manufactured listed at $300k.

Deal economics

  • At list price, monthly cash flow is $231 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $252k (16.1% below list).
  • Recommended offer: $252k (16.1% below list) — sets the bar for 1% rule.
  • Cap rate 7.2% vs local median 5.9% in Avra Valley — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 54/100 on livability (#275 in AZ) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime D-, amenities F.
  • Marana Unified District (4404) (suburban): math 31% / reading 37% proficiency, ranked #83 of 249 in AZ (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents rising (+3.4%/yr); 412 active listings in the ZIP; solid renter incomes; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).
  • This rent runs 35% of the median local income ($86k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
  • Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
  • 3 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 $18k; list at $300k implies a 1566% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $251,548 (16.1% below list)

Questions for the listing agent

  1. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  5. 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?
  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
0.84%
Cap rate
7.22%
Cash-on-cash
3.30%
DSCR
1.15
GRM
9.9

CMA / ARV

ARV (median comp)
$248,036
List price
$299,900
Delta
29.01%
Verdict
OVERPRICED
Comps
10 within 1.0 mi
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
16741 W Whitewing Way 0.73mi 4/2.0 (-1) 1,624 (+13%) 2mo $123,000 $76 30

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 · 3.43% rent growth · sell at horizon

5-year hold
IRR
-10.8%
Equity multiple
0.61×
Total profit
$-32,973
Equity at exit
$44,716
10-year hold
IRR
-1.0%
Equity multiple
0.93×
Total profit
$-5,910
Equity at exit
$25,930

Cash invested: $83,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Arizona
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

ZIP-level market 85653

Home prices YoY
-21.8%
Rents YoY
3.4%
Active inventory
412
Price-to-rent
9.9×

Monthly cashflow live

Estimated rent
$2,515 medium interval (Pro) →
Mortgage (P&I)
$1,573
Tax from tax record
$59 /mo · $708/yr
Insurance
$125
HOA
$0
Vacancy / Maint / Mgmt
$528
Net cashflow
$231

Break-even live

Break-even rent $2,224
Max offer price $299,900
Occupancy floor 86%

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
$74,975
Closing costs
$8,997
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 10 events

  1. 2026-05-13
    historical
  2. 2026-03-29
    price $320,000
  3. 2026-03-29
    listed $299,900 Active
  4. 2018-05-04
    soldstatus $18,000 Closed 117-char remark
    Show marketing remark (117 chars)

    This is a 1977 Affixed Double wide mobile home - approx 1700 sq ft on 1.18 acre lot in Marana. Priced for quick sale.

  5. 2018-04-24
    status Pending 117-char remark
    Show marketing remark (117 chars)

    This is a 1977 Affixed Double wide mobile home - approx 1700 sq ft on 1.18 acre lot in Marana. Priced for quick sale.

  6. 2018-04-03
    listed $18,000 Active 117-char remark
    Show marketing remark (117 chars)

    This is a 1977 Affixed Double wide mobile home - approx 1700 sq ft on 1.18 acre lot in Marana. Priced for quick sale.

  7. 2002-08-15
    soldstatus $62,500
  8. 1989-12-01
    soldstatus $30,000
  9. 1985-03-01
    soldstatus $39,000
  10. 1979-06-01
    soldstatus $5,000

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

Tax reassessment forecast AZ · Resets to sale price

Current annual tax
$708 · $59/mo
Projected year-2 tax
$1,979 · $165/mo
Expected delta
+$1,272/yr (+$106/mo · 179.8%)

ⓘ 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 8/10 Severe 7 d/yr ≥110°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$30,186
− Mortgage interest
−$16,799
− Property taxes
−$708
− Insurance
−$1,500
− Repairs & maintenance
−$2,415
− Management
−$2,415
− Depreciation
−$8,724
Taxable loss
−$2,374
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$570
After-tax cash flow
$3,337/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
Marana Unified District (4404)
NCES district ID
0404630
Math proficiency
31% ▼ -11.00%
Reading proficiency
37% ▼ -5.00%
Median HH income
$65,282
Composite
30.96/100
National rank
#6103
State rank
#83 of 249 in AZ

Livability — Avra Valley

Score
54/100
State rank
#275
US rank
#23869

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Avra Valley, AZ
County
Pima County · 1,012,107 people
Metro
Tucson, AZ
Population (ZIP)
23,574
Household income
$86,154
Rent vs Own
15.4% rent · 84.6% own
Severe rent burden
181.0

Population outlook (Pima County) Hauer SSP2

Today (2025)
1,066,056 people
By 2030
1,086,684 · +1.9%
By 2040
1,117,160 · +4.8%
By 2050
1,149,778 · +7.9%
By 2075
1,271,480 · +19.3%
By 2100
1,321,160 · +23.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.55)
Race & ethnicity
White 61% Hispanic / Latino 27% Two or more races 15% Black 3% Native American 2% Asian 1%
Hispanic origin (detail)
Mexican 22% Puerto Rican 2%
Common ancestry
Romanian 4% Lithuanian 2% Slovak 2%
Foreign-born
6% · Canada
Languages at home
88% English-only · Spanish 9% Other Asian/Pacific 1%

Political lean MEDSL · Pima

2024 margin
D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
2008→2024 swing
+9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
All cycles
2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -69.29%
Current HPI
249.3403
Rent YoY
▲ 3.43%
Metro
Tucson, AZ
State GDP YoY
▲ 4.54%
F500 in state
20

Industry mix (Fortune 500 HQ in AZ)

Industry F500 HQs Revenue

Price history

+5898.0% since first listed
12 events — show timeline
  • 2026-05-30 Listing Removed MLSSAZ
  • 2026-05-24 Listed $299,900 MLSSAZ
  • 2026-05-13 Listing Removed MLSSAZ
  • 2026-03-29 Price Changed $320,000 MLSSAZ
  • 2026-03-29 Listed $299,900 MLSSAZ
  • 2018-05-04 Sold (MLS) $18,000 MLSSAZ
  • 2018-04-24 Pending MLSSAZ
  • 2018-04-03 Listed $18,000 MLSSAZ
  • 2002-08-15 Sold (Public Records) $62,500 Public Records
  • 1989-12-01 Sold (Public Records) $30,000 Public Records
  • 1985-03-01 Sold (Public Records) $39,000 Public Records
  • 1979-06-01 Sold (Public Records) $5,000 Public Records

Property tax history

+1.3%/yr

Latest (2025): $708 · +4.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…