Denmark Plan · Hinesville, GA 31313

$282,900

5 bd · 2.5 ba · 2,256 sqft · SingleFamily · 1 Days on market

Good condition $30/mo HOA · 1% of rent

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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 +9.8/30.0
• ARV discount +7.5/15.0
• Condition / age +4.0/5.0
• Rent growth +3.9/5.0
• Livability +3.7/5.0
• 1% rule +3.1/10.0
• DSCR +2.8/10.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

The Denmark is an outstanding 4 bedroom, 2.5 bath home with flexible space perfect for any dynamic! A foyer entry welcomes you into the home, past a flex room which can serve as an office/craft room or optional 5th bedroom. Continuing down the corridor, the open family room greets you with dedicated dining area and a U shaped kitchen complete with breakfast bar. Upstairs, three bedrooms are located off the loft and share a hall bathroom with optional double sink. The master bath features a garden tub, separate shower, and walk-in closet. Artistic renderings are for informational purposes only. Actual floor plans, features and inclusions may vary.

Key facts

• Open family room
• Flex room
• Foyer entry

Tags

• FOYER ENTRY
• FLEX ROOM
• OPEN FAMILY ROOM
• DEDICATED DINING AREA
• U SHAPED KITCHEN
• BREAKFAST BAR

🏗️ New construction. The $282,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $291,224.

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $283k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-311 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $246k (13.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $235k (16.9% below list).
• Recommended offer: $235k (16.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 73/100 on livability (#51 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, commute D+, crime F.
• Liberty County (urban): math 19% / reading 28% proficiency, ranked #133 of 174 in GA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.4%/yr); 911 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 471 units permitted in Liberty County in 2024 (0 in 5+ unit buildings).
• At $2,350/mo this rent would consume 47% of the median local household income ($60k/yr) — very limited rent-growth headroom before tenants either downsize or default.

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.
• Liberty County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 98% chance of damaging wind over 30y; 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 $234,998 (16.9% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.81% ✗
• Cap rate: 5.53%
• Cash-on-cash: -2.74%
• DSCR: 0.88
• GRM: 10.3

CMA / ARV

• ARV (median comp): $291,224
• List price: $282,900
• Delta: -2.86%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
228 Courage Way	0.10mi	5/3.0	2,482 (+10%)	21mo	$309,900	$125	59
1061 Marne Blvd	0.45mi	4/2.5 (-1)	2,192 (-3%)	23mo	$278,000	$127	50
1086 Marne Blvd	0.28mi	4/2.5 (-1)	2,567 (+14%)	16mo	$314,000	$122	46
13 Anzio Ave	0.55mi	5/2.5	2,572 (+14%)	24mo	$300,000	$117	31
1032 Marne Blvd	0.69mi	4/2.5 (-1)	1,987 (-12%)	21mo	$280,000	$141	26

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 · 5.41% rent growth · sell at horizon

5-year hold

• IRR: -21.1%
• Equity multiple: 0.25×
• Total profit: $-61,052
• Equity at exit: $43,422

10-year hold

• IRR: -9.5%
• Equity multiple: 0.35×
• Total profit: $-53,005
• Equity at exit: $25,180

Cash invested: $81,543 (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.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 9 active · 8 under contract
• Months of supply: 18.0 mo (6%/mo absorbed)
• Median asking: $281,900 ($138/sqft)
• Median days on market: 134 d
• This list price: 56% of active listings are priced below it
• ARV vs active asking: -6.7% vs current asking $/sqft

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

ZIP-level market 31313

• Home prices YoY: -27.1%
• Rents YoY: 5.4%
• Active inventory: 911
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,350 high
• Mortgage (P&I): −$1,527
• Tax est. 1.5%: −$364 /mo · $4,368/yr
• Insurance: −$121
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$30
• Vacancy / Maint / Mgmt: −$493
• Net cashflow: $-311

Break-even live

Break-even rent $2,744

Max offer price $246,177

Occupancy floor —

Sensitivity live

Price	-10% $-110	-5% $-211	+0% $-311	+5% $-412	+10% $-513
Rent	-10% $-497	-5% $-404	+0% $-311	+5% $-218	+10% $-126
Rate	-1.0pp $-165	-0.5pp $-237	base $-311	+0.5pp $-387	+1.0pp $-464

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: $72,806
• Closing costs: $8,737
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
222 Courage Way Hinesville, GA	4.0	3.0	1984	$1,995	$1.01	5d	1	0.11mi
326 Joann Lewis Ln Hinesville, GA	4.0	3.0	1793	$2,150	$1.20	139d	1	0.11mi
247 Joann Lewis Ln Hinesville, GA	4.0	3.0	1984	$2,100	$1.06	5d	1	0.13mi
224 Whipple Ave Hinesville, GA	4.0	2.5	2437	$2,450	$1.01	5d	1	0.61mi
232 Gambrell Rd Hinesville, GA	4.0	3.0	2104	$2,050	$0.97	1d	1	0.71mi
34 Wythe St Hinesville, GA	4.0	2.5	1978	$2,200	$1.11	139d	1	0.73mi
148 Gambrell Rd Hinesville, GA	4.0	2.5	1962	$2,170	$1.11	5d	1	0.80mi
103 Fridley Ln Hinesville, GA	4.0	2.0	2483	$2,500	$1.01	5d	1	0.97mi
454 Brightleaf Cir Hinesville, GA	5.0	3.0	2344	$2,450	$1.05	5d	1	1.50mi

Listing history 2 events

1. 2026-06-02
   remarks 654-char remark
2. 2026-06-02
   listed $282,900 Active 1 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 9/10 Extreme FEMA zone A · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 18 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 98% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,200
• − Mortgage interest: −$16,313
• − Property taxes: −$4,368
• − Insurance: −$2,959
• − Repairs & maintenance: −$2,256
• − Management: −$2,256
• − HOA: −$360
• − Depreciation: −$8,472
• Taxable loss: −$8,784
• Est. tax savings @ 24.0%: +$2,108
• After-tax cash flow: $-1,627/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 · 12 photos

Good 80/100 None rehab

This home is in excellent condition with a good condition score of 80. It is move-in ready and has a good resale and rental value. Consider painting the exterior and interior walls, landscaping improvements, adding smart home features, and upgrading the kitchen appliances to further increase its value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract potential buyers/tenants. ↑
• Both Adding smart home features — Smart home features can increase the home's value and appeal to tech-savvy buyers/tenants. ↑
• Both Upgrading the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential buyers/tenants. ↑

F Composite school gradezoned avg 23/100

Zoned Schools

Elementary Waldo Pafford Elementary School F GA #790/1,228 Nat'l #31,549/41,679 Middle Lewis Frasier Middle School F GA #271/470 Nat'l #9,793/14,009 High Bradwell Institute F GA #243/424 Nat'l #14,491/17,239

Schools (NCES district)

• District: Liberty County
• NCES district ID: 1303300
• Math proficiency: 19% ▼ -16.00%
• Reading proficiency: 28% ▼ -13.00%
• Median HH income: $43,911
• Composite: 20.2/100
• National rank: #8630
• State rank: #133 of 174 in GA

B Composite livability gradescore 73/100

Livability — Hinesville

• Score: 73/100
• State rank: #51
• US rank: #5200

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hinesville, GA
• County: Liberty County · 58,689 people
• Metro: Hinesville, GA
• Population (ZIP): 42,838
• Household income: $60,233
• Rent vs Own: 50.1% rent · 49.9% own
• Severe rent burden: 8% of renters

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Population outlook (Liberty County) Hauer SSP2

• Today (2025): 58,689 people
• By 2030: 57,670 · -1.7%
• By 2040: 55,750 · -5.0%
• By 2050: 54,155 · -7.7%
• By 2075: 58,947 · +0.4%
• By 2100: 66,919 · +14.0%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: Black 47% White 31% Hispanic / Latino 13% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 4% Puerto Rican 7%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 86% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 1%

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Political lean MEDSL · Liberty

• 2024 margin: D (+17.4) · D 58.5% · R 41.0%
• 2008→2024 swing: -10.9pp toward R · 2008: 28.4pp · 2024: 17.4pp
• All cycles: 2024: D+17.4 2020: D+24.1 2016: D+21.2 2012: D+30.2 2008: D+28.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -77.50%
• Current HPI: 208.0927
• Rent YoY: ▲ 5.41%
• Metro: Hinesville, GA
• State GDP YoY: ▲ 2.66%
• F500 in state: 28

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Industry mix (Fortune 500 HQ in GA)

Industry	F500 HQs	Revenue
▸Paper / Packaging	2	$29B
▸Retail	1	$160B
▸Transportation / Logistics	1	$91B
▸Airlines	1	$62B
▸Consumer Goods	1	$47B
▸Utilities	1	$25B