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3100 S Kinney Rd #215
B- Composite 67.75
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 +26.1/30.0
  • ARV discount +15.0/15.0
  • DSCR +8.8/10.0
  • 1% rule +6.9/10.0
  • Condition / age +3.8/5.0
  • Livability +3.1/5.0
  • Rent growth +2.5/5.0
  • Schools +1.6/10.0
  • Appreciation +0.0/10.0

$75,000

3100 S Kinney Rd #215 · Tucson Estates, AZ 85735
1 bd · 1.0 ba · 800 sqft · Manufactured · 125 Days on market
Built 1984 Good condition $94/sqft · 31% below area Est $109k · 31% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This well‑kept 1Bed, 1 bath manufactured home in Western Way RV (age-restricted) offers an affordable, low‑maintenance Tucson lifestyle. The bright living room and kitchen include a breakfast nook, pantry cabinet, electric range, microwave, and refrigerator. Laminate and vinyl flooring run throughout, with skylights and top‑down blinds adding comfort. Enjoy central air, forced‑air heat, and an electric water heater. Laundry is conveniently located in the large shed with washer & dryer included. Large Shed has attached cabinets and extra refrigerator. Exterior features include desert‑planted front landscaping, a covered patio, and a carport. Community amenities offer a pool, spa, pickleball, rec center, and exercise facilities for an active lifestyle. Home onl

Key facts

  • Breakfast nook
  • Laminate flooring
  • Electric range

Tags

BREAKFAST NOOKPANTRY CABINETELECTRIC RANGEMICROWAVEREFRIGERATORLAMINATE FLOORING

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 1-bed/1.0-bath manufactured listed at $75k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $189 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($895 rent vs $75k).
  • Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
  • Cap rate 9.3% vs local median 4.4% in Tucson Estates — 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.

Location & tenants

  • Location reads 62/100 on livability (#137 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, schools F, amenities F.
  • Tucson Unified District (4403) (urban): math 14% / reading 23% proficiency, ranked #190 of 249 in AZ (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 83 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k 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

  • It's been on market 125 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

  1. It's been on market 125 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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?
  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
1.19%
Cap rate
9.31%
Cash-on-cash
10.79%
DSCR
1.48
GRM
7.0

CMA / ARV

ARV (median comp)
$108,640
List price
$75,000
Delta
-30.96%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
5840 W Lazy Heart St 0.29mi 2/2.0 (+1) 790 (-1%) 7mo $111,400 $141 70
5732 W Box R St 0.43mi 2/1.0 (+1) 832 (+4%) 3mo $116,700 $140 65
6002 W Flying M St 0.27mi 2/1.0 (+1) 720 (-10%) 1mo $87,000 $121 64
5650 W Rocking Cir St 0.49mi 2/1.5 (+1) 784 (-2%) 6mo $97,000 $124 62
5719 W Tumbling F St 0.45mi 1/1.5 860 (+8%) 7mo $157,500 $183 59
5970 W Box R St #5 0.42mi 2/2.0 (+1) 860 (+8%) 4mo $45,000 $52 55
5573 W Box R St 0.59mi 2/1.5 (+1) 840 (+5%) 4mo $154,000 $183 54
5620 W Bar St S 0.63mi 2/1.0 (+1) 840 (+5%) 5mo $110,000 $131 53
5707 W Box R St 0.46mi 2/2.0 (+1) 860 (+8%) 9mo $130,000 $151 49
5636 W Circle Z St 0.55mi 2/1.0 (+1) 896 (+12%) 5mo $118,500 $132 45
5501 W Rocking Circle St 0.68mi 2/1.0 (+1) 720 (-10%) 4mo $96,200 $134 43
5517 W Bar X St 0.66mi 2/2.0 (+1) 720 (-10%) 1mo $77,700 $108 42

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
-0.1%
Equity multiple
0.99×
Total profit
$-119
Equity at exit
$11,183
10-year hold
IRR
9.5%
Equity multiple
1.73×
Total profit
$15,431
Equity at exit
$6,485

Cash invested: $21,000 (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 85735

Home prices YoY
-16.4%
Active inventory
83
Price-to-rent
7.0×

Monthly cashflow live

Estimated rent
$895 medium interval (Pro) →
Mortgage (P&I)
$393
Tax est. 1.5%
$94 /mo · $1,125/yr
Insurance
$31
HOA
$0
Vacancy / Maint / Mgmt
$188
Net cashflow
$189

Break-even live

Break-even rent $656
Max offer price $75,000
Occupancy floor 74%

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
$18,750
Closing costs
$2,250
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
5709 W Rocking Circle St Tucson, AZ 2.0 2.0 1050 $895 $0.85 43d 1 0.45mi

Listing history 15 events

  1. 2026-06-18
    days on market $75,000 Active 125 DOM
  2. 2026-06-17
    days on market $75,000 Active 124 DOM
  3. 2026-06-16
    days on market $75,000 Active 123 DOM
  4. 2026-06-15
    days on market $75,000 Active 122 DOM
  5. 2026-06-13
    days on market $75,000 Active 120 DOM
  6. 2026-06-10
    days on market $75,000 Active 117 DOM
  7. 2026-06-09
    days on market $75,000 Active 116 DOM
  8. 2026-06-08
    days on market $75,000 Active 115 DOM
  9. 2026-06-07
    days on market $75,000 Active 114 DOM
  10. 2026-06-05
    days on market $75,000 Active 111 DOM
  11. 2026-06-03
    days on market $75,000 Active 110 DOM
  12. 2026-06-02
    days on market $75,000 Active 109 DOM
  13. 2026-06-01
    days on market $75,000 Active 108 DOM
  14. 2026-05-31
    days on market $75,000 Active 107 DOM
  15. 2026-02-13
    listed $75,000 Active 774-char remark
    Show marketing remark (774 chars)

    This well‑kept 1Bed, 1 bath manufactured home in Western Way RV (age-restricted) offers an affordable, low‑maintenance Tucson lifestyle. The bright living room and kitchen include a breakfast nook, pantry cabinet, electric range, microwave, and refrigerator. Laminate and vinyl flooring run throughout, with skylights and top‑down blinds adding comfort. Enjoy central air, forced‑air heat, and an electric water heater. Laundry is conveniently located in the large shed with washer & dryer included. Large Shed has attached cabinets and extra refrigerator. Exterior features include desert‑planted front landscaping, a covered patio, and a carport. Community amenities offer a pool, spa, pickleball, rec center, and exercise facilities for an active lifestyle. Home onl

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 8/10 Severe
  • 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 19 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
$10,740
− Mortgage interest
−$4,201
− Property taxes
−$1,125
− Insurance
−$375
− Repairs & maintenance
−$859
− Management
−$859
− Depreciation
−$2,182
Taxable income
$1,139
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$273
After-tax cash flow
$1,992/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 75/100 Cosmetic rehab

This well-maintained manufactured home in a Western Way RV community offers a low-maintenance lifestyle with good condition and potential for value enhancement through minor updates.

Value-add opportunities

  • Both painting — fresh paint enhances curb appeal and interior aesthetics
  • Both landscaping — improved landscaping can increase curb appeal and property value
  • Both exterior paint — fresh exterior paint can improve curb appeal and property value

Renovation cost estimate screening

Value-add ROI direction

  • Both painting — fresh paint enhances curb appeal and interior aesthetics
  • Both landscaping — improved landscaping can increase curb appeal and property value
  • Both exterior paint — fresh exterior paint can improve curb appeal and property value

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Tucson Unified District (4403)
NCES district ID
0408800
Math proficiency
14% ▼ -17.00%
Reading proficiency
23% ▼ -11.00%
Median HH income
$40,962
Composite
15.78/100
National rank
#9270
State rank
#190 of 249 in AZ

Livability — Tucson Estates

Score
62/100
State rank
#137
US rank
#16650

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Tucson Estates, AZ
Population (ZIP)
10,893

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 0.59)
Race & ethnicity
Hispanic / Latino 50% White 41% Two or more races 19% Native American 6%
Hispanic origin (detail)
Mexican 47%
Common ancestry
Lithuanian 2% Slovak 1% Romanian 1%
Foreign-born
9% · Canada
Languages at home
74% English-only · Spanish 25%

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
▼ -59.03%
Current HPI
301.1413
Rent YoY
Metro
State GDP YoY
▲ 4.54%
F500 in state
20

Industry mix (Fortune 500 HQ in AZ)

Industry F500 HQs Revenue

Price history

1 event — show timeline
  • 2026-02-13 Listed $75,000 MLSSAZ

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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