3100 S Kinney Rd #215 · Tucson Estates, AZ
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 8/10 · Major
- Est. fire insurance / yr
- $610 – $1,132
Heat risk 8/10 · Major
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
Neighborhood map
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.
Questions for the listing agent
- 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?
- 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?
- 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.
- 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.
- 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
- IRR
- -0.1%
- Equity multiple
- 0.99×
- Total profit
- $-119
- Equity at exit
- $11,183
- 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
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
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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-06-18days on market $75,000 Active 125 DOM
-
2026-06-17days on market $75,000 Active 124 DOM
-
2026-06-16days on market $75,000 Active 123 DOM
-
2026-06-15days on market $75,000 Active 122 DOM
-
2026-06-13days on market $75,000 Active 120 DOM
-
2026-06-10days on market $75,000 Active 117 DOM
-
2026-06-09days on market $75,000 Active 116 DOM
-
2026-06-08days on market $75,000 Active 115 DOM
-
2026-06-07days on market $75,000 Active 114 DOM
-
2026-06-05days on market $75,000 Active 111 DOM
-
2026-06-03days on market $75,000 Active 110 DOM
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2026-06-02days on market $75,000 Active 109 DOM
-
2026-06-01days on market $75,000 Active 108 DOM
-
2026-05-31days on market $75,000 Active 107 DOM
-
2026-02-13$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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
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
- 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
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
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 |
|---|---|---|
| Technology | 2 | $13B |
|
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| Mining / Metals | 1 | $23B |
|
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| Environmental Services | 1 | $16B |
|
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| Metals / Steel | 1 | $14B |
|
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| Technology Distribution | 1 | $9B |
|
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| Homebuilding | 1 | $8B |
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Price history
1 event — show timeline
- 2026-02-13 Listed $75,000 MLSSAZ
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…