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304 W Trilby St
B+ Composite 79.29
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 +30.0/30.0
  • ARV discount +13.6/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +5.0/10.0
  • Livability +2.9/5.0
  • Schools +2.8/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$59,000

304 W Trilby St · Wrightsville, GA 31096
3 bd · 1.0 ba · 1,035 sqft · SingleFamily public records · 492 Days on market
Built 1936 0.52 ac lot $57/sqft · 12% below area Est $68k · 14% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Here is your chance to build instant equity. Property is walking distant to the city of Wrightsville just 25 minutes from Dublin Georgia. This Home is a fixer upper, and house has a private lot total 0.52 acres! Cash, VA rehab loan or investor loans only. Owner financing available! Home can be used as a long or short term rental or resale and or any commercial property like motel, multifamily, restaurant, even truck or car parking garage, or game machine location bring any retail opportunity because is zoned commercial + residential with great road frontage and exposure. Call now! Motel next door was just recently sold!

Key facts

  • Private lot
  • Great road frontage
  • Zoned commercial

Tags

PRIVATE LOTZONED COMMERCIALGREAT ROAD FRONTAGE

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 3-bed/1.0-bath single-family listed at $59k.

Deal economics

  • At list price, monthly cash flow is $511 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $59k).
  • Recommended offer: $52k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 58/100 on livability (#419 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A, crime B+; Watch: schools F, amenities F, commute F.
  • Johnson County (rural): math 34% / reading 33% proficiency, ranked #79 of 174 in GA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 17 active listings in the ZIP; 1 comparable units currently listed for rent nearby.

Forward outlook

  • In year one you build about $423 of equity ($408 loan paydown + $15 appreciation (0.0% local appreciation)).
  • Johnson County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (0.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 492 days — a 12% lower offer ($52k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago; this cycle's ask has dropped $21k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $8k; list at $59k implies a 638% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1936 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major wind risk, 76% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $51,920 (12.0% below list)

Questions for the listing agent

  1. It's been on market 492 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 1936 — 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. 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?
  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
1.86%
Cap rate
16.70%
Cash-on-cash
37.15%
DSCR
2.65
GRM
4.5

CMA / ARV

ARV (median comp)
$68,283
List price
$59,000
Delta
-13.59%
Verdict
UNDERPRICED
Comps
12 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2254 W Elm St 0.34mi 2/1.0 (-1) 1,130 (+9%) 5mo $80,000 $71 60
551 N Myrtle Street St 0.38mi 2/1.0 (-1) 1,147 (+11%) 11mo $55,000 $48 50
551 N Myrtle St 0.40mi 2/1.0 (-1) 1,147 (+11%) 11mo $55,000 $48 49

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

Projected returns pro-forma

0.03% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
38.1%
Equity multiple
2.87×
Total profit
$30,906
Equity at exit
$17,208
10-year hold
IRR
41.2%
Equity multiple
5.64×
Total profit
$76,622
Equity at exit
$20,745

Cash invested: $16,520 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

ZIP-level market 31096

Home prices YoY
0.0%
Active inventory
17
Price-to-rent
4.5×

Monthly cashflow live

Estimated rent
$1,100 medium interval (Pro) →
Mortgage (P&I)
$309
Tax from tax record
$24 /mo · $283/yr
Insurance
$25
HOA
$0
Vacancy / Maint / Mgmt
$231
Net cashflow
$511

Break-even live

Break-even rent $453
Max offer price $59,000
Occupancy floor 48%

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
$14,750
Closing costs
$1,770
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 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
530 E College St Wrightsville, GA 3.0 2.0 1152 $1,100 $0.95 43d 1 0.92mi

Listing history 22 events

  1. 2026-06-18
    days on market $59,000 Active 492 DOM
  2. 2026-06-17
    days on market $59,000 Active 491 DOM
  3. 2026-06-16
    days on market $59,000 Active 490 DOM
  4. 2026-06-15
    days on market $59,000 Active 489 DOM
  5. 2026-06-13
    days on market $59,000 Active 487 DOM
  6. 2026-06-12
    days on market $59,000 Active 486 DOM
  7. 2026-06-09
    days on market $59,000 Active 483 DOM
  8. 2026-06-08
    days on market $59,000 Active 482 DOM
  9. 2026-06-07
    days on market $59,000 Active 481 DOM
  10. 2026-06-05
    days on market $59,000 Active 479 DOM
  11. 2026-06-04
    days on market $59,000 Active 477 DOM
  12. 2026-06-02
    days on market $59,000 Active 476 DOM
  13. 2026-06-01
    days on market $59,000 Active 475 DOM
  14. 2026-05-31
    days on market $59,000 Active 474 DOM
  15. 2026-05-31
    statusdays on market $59,000 Active 473 DOM
  16. 2025-12-07
    price $69,000 627-char remark
    Show marketing remark (667 chars)

    0.52 ACRES GREAT FRONTAGEON HIGHWAY 57! Here is your chance to build instant equity. Property is walking distant to the city of Wrightsville just 25 minutes from Dublin Georgia. This PROPERTY HAS a fixer upper house WITH A LOT OF total 0.52 acres! Cash, VA rehab loan or investor loans only. Owner financing available! PROPERTY can be used as a long or short term rental or resale and or any commercial property like motel, multifamily, restaurant, even truck or car parking garage, or game machine location bring any retail opportunity because is zoned commercial + residential with great road frontage and exposure. Call now! Motel next door was just recently sold!

  17. 2025-12-07
    price $69,000 667-char remark
    Show marketing remark (667 chars)

    0.52 ACRES GREAT FRONTAGEON HIGHWAY 57! Here is your chance to build instant equity. Property is walking distant to the city of Wrightsville just 25 minutes from Dublin Georgia. This PROPERTY HAS a fixer upper house WITH A LOT OF total 0.52 acres! Cash, VA rehab loan or investor loans only. Owner financing available! PROPERTY can be used as a long or short term rental or resale and or any commercial property like motel, multifamily, restaurant, even truck or car parking garage, or game machine location bring any retail opportunity because is zoned commercial + residential with great road frontage and exposure. Call now! Motel next door was just recently sold!

  18. 2025-02-26
    listed $80,000 New 667-char remark
    Show marketing remark (667 chars)

    0.52 ACRES GREAT FRONTAGEON HIGHWAY 57! Here is your chance to build instant equity. Property is walking distant to the city of Wrightsville just 25 minutes from Dublin Georgia. This PROPERTY HAS a fixer upper house WITH A LOT OF total 0.52 acres! Cash, VA rehab loan or investor loans only. Owner financing available! PROPERTY can be used as a long or short term rental or resale and or any commercial property like motel, multifamily, restaurant, even truck or car parking garage, or game machine location bring any retail opportunity because is zoned commercial + residential with great road frontage and exposure. Call now! Motel next door was just recently sold!

  19. 2025-02-11
    listed $85,000 New 627-char remark
    Show marketing remark (627 chars)

    Here is your chance to build instant equity. Property is walking distant to the city of Wrightsville just 25 minutes from Dublin Georgia. This Home is a fixer upper, and house has a private lot total 0.52 acres! Cash, VA rehab loan or investor loans only. Owner financing available! Home can be used as a long or short term rental or resale and or any commercial property like motel, multifamily, restaurant, even truck or car parking garage, or game machine location bring any retail opportunity because is zoned commercial + residential with great road frontage and exposure. Call now! Motel next door was just recently sold!

  20. 2025-02-03
    historical
  21. 2024-12-29
    listed $599,000 New
  22. 2001-10-24
    soldstatus $8,000

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

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$283 · $24/mo
Projected year-2 tax
$543 · $45/mo
Expected delta
+$260/yr (+$22/mo · 92.1%)

ⓘ 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 4/10 Moderate
  • 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 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
$13,200
− Mortgage interest
−$3,305
− Property taxes
−$283
− Insurance
−$295
− Repairs & maintenance
−$1,056
− Management
−$1,056
− Depreciation
−$1,716
Taxable income
$5,489
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,317
After-tax cash flow
$4,820/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
Johnson County
NCES district ID
1303120
Math proficiency
34% ▼ -7.00%
Reading proficiency
33% ▼ -5.00%
Median HH income
$34,082
Composite
27.59/100
National rank
#6934
State rank
#79 of 174 in GA

Livability — Wrightsville

Score
58/100
State rank
#419
US rank
#20688

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
Wrightsville, GA
City population
7,307
Population (ZIP)
7,307

Population outlook (Johnson County) Hauer SSP2

Today (2025)
9,208 people
By 2030
8,957 · -2.7%
By 2040
8,384 · -8.9%
By 2050
7,889 · -14.3%
By 2075
6,670 · -27.6%
By 2100
5,430 · -41.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.55)
Race & ethnicity
White 53% Black 40% Two or more races 5% Hispanic / Latino 3%
Common ancestry
Lithuanian 1%
Foreign-born
1% · Canada
Languages at home
98% English-only · Spanish 2%

Political lean MEDSL · Johnson

2024 margin
Solid R (+46.4) · D 26.8% · R 73.1%
2008→2024 swing
-12.7pp toward R · 2008: -33.7pp · 2024: -46.4pp
All cycles
2024: R+46.4 2020: R+39.7 2016: R+37.6 2012: R+30.1 2008: R+33.7

Not yet ingested

Civics

Market trends

HPI YoY
▬ 0.03%
Current HPI
201.8678
Rent YoY
Metro
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+762.5% since first listed
7 events — show timeline
  • 2025-12-07 Price Changed $69,000 GAMLS
  • 2025-12-07 Price Changed $69,000 GAMLS
  • 2025-02-26 Listed $80,000 GAMLS
  • 2025-02-11 Listed $85,000 GAMLS
  • 2025-02-03 Listing Removed GAMLS
  • 2024-12-29 Listed $599,000 GAMLS
  • 2001-10-24 Sold (Public Records) $8,000 Public Records

Property tax history

+0.2%/yr

Latest (2025): $283 · +29.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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