3 bd · 3.0 ba ·
1,405 sqft ·
Built 1998
· Timeshare
· Active
· 509 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$4,571/mo
Mortgage (P&I)
−$142
Tax + insurance
−$111
HOA
−$717
Vac / Maint / Mgmt
−$960
Net cashflow
$2,641/mo
Annual
$31,691/yr
Cap rate
126.62%
Cash-on-cash
429.75%
DSCR
20.12
1% rule
16.93%
Cash to close
$7,560
Investor read
This is a 3-bed/3.0-bath timeshare listed at $27k.
At list price, monthly cash flow is $3k ($32k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($5k rent vs $27k).
It's been on market 509 days — a 12% lower offer ($24k) is reasonable based on typical stale-listing flexibility.
Recommended offer: $24k (12.0% below list) — sets the bar for market timing.
In year one you build about $2k of equity ($187 loan paydown + $2k appreciation (6.6% local appreciation)).
Location reads 61/100 on livability (#220 in CO) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, housing B; Watch: schools F, crime D-, amenities F.
Eagle County School District No. RE-50 (town): math 22% / reading 42% proficiency, ranked #39 of 86 in CO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
Watch-outs: flood insurance adds $66/mo.
Market conditions: 448 active listings in the ZIP; solid renter incomes; 387 units permitted in Eagle County in 2024 (256 in 5+ unit buildings).
Eagle County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
2 sale attempts; this cycle's ask has dropped $11k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
At projected returns (6.6% appreciation + 3.0% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.
Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.
Cap rate 126.6% vs local median 2.3% in Avon — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
At $4,571/mo this rent would consume 53% of the median local household income ($103k/yr) (locally 744% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Questions for listing agent
It's been on market 509 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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?
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?
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?
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· Data 1 day agocashflowre.app · 2026-05-29