CashFlowRE
Sign in Sign up
Unity Plan 🏗️ New Construction
F Composite 31.37
Why this score? — see what drove the F 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).

  • ARV discount +7.5/15.0
  • Cash flow +7.0/30.0
  • Condition / age +4.0/5.0
  • Livability +3.7/5.0
  • Schools +3.4/10.0
  • Rent growth +2.8/5.0
  • 1% rule +1.9/10.0
  • DSCR +1.2/10.0
  • Appreciation +0.0/10.0

$316,750

Unity Plan · Grovetown, GA 30813
4 bd · 2.5 ba · 2,241 sqft · SingleFamily · 127 Days on market
Good condition

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

The Unity is a 2,241 square foot, two-story plan from Declaration Homes by Ivey Homes. With four bedrooms, two and a half bathrooms, and a two-car garage, this plan was built around the idea that a home should bring people together. The open-concept main level centers around a spacious family room that flows naturally into a large kitchen and cafe, making it easy to stay connected whether it's a busy school night or a relaxed weekend morning. A corner pantry keeps the kitchen organized, while a powder room and extended foyer add a polished, practical touch to the main level.

Key facts

  • Corner pantry
  • Large kitchen
  • Powder room

Tags

OPEN-CONCEPT MAIN LEVELSPACIOUS FAMILY ROOMLARGE KITCHENCORNER PANTRYPOWDER ROOMEXTENDED FOYER

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $316,750 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $355,561.

What this means for you Summary

Snapshot

  • This is a 4-bed/2.5-bath single-family listed at $317k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-524 ($-6k/yr) — negative.
  • To cash-flow at today's rent, offer at most $280k (11.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $245k (22.8% below list).
  • Recommended offer: $245k (22.8% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 73/100 on livability (#57 in GA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools C-, amenities F, commute F.
  • Columbia County (suburban): math 49% / reading 52% proficiency, ranked #13 of 174 in GA (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: Rents rising (+1.1%/yr); 856 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,213 units permitted in Columbia County in 2024 (0 in 5+ unit buildings).
  • This rent runs 34% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • Columbia County population projected at +62% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 127 days — a 12% lower offer ($279k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 53% chance of damaging wind over 30y; extreme-heat days projected 6→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $244,660 (22.8% 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. It's been on market 127 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
  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. 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?
  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
0.69%
Cap rate
4.52%
Cash-on-cash
-6.32%
DSCR
0.72
GRM
12.1

CMA / ARV

ARV (median comp)
$355,561
List price
$316,750
Delta
-10.92%
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
1809 Harbury Dr Unit Tp99 0.13mi 4/2.5 2,095 (-6%) 2mo $349,900 $167 81
1829 Harbury Dr Unit Tp107 0.05mi 3/2.5 (-1) 2,078 (-7%) 1mo $349,900 $168 79
914 Walker Pt Dr 0.18mi 4/2.5 2,493 (+11%) 4mo $429,900 $172 70
6244 Canterbury Farms Pkwy Unit Tp118 0.10mi 3/2.5 (-1) 2,013 (-10%) 5mo $354,900 $176 69
934 Walker Point Dr Unit Tp13 0.21mi 4/2.5 2,464 (+10%) 5mo $408,000 $166 69
932 Walker Point Dr Unit Tp12 0.21mi 4/2.5 2,464 (+10%) 6mo $395,000 $160 68
823 Chesham Ave 0.46mi 4/2.5 2,386 (+6%) 6mo $349,000 $146 63
2459 Newbury Ave 0.65mi 4/3.0 2,205 (-2%) 3mo $305,000 $138 62
709 Southwick Ave 0.67mi 4/2.5 2,377 (+6%) 0mo $357,000 $150 59
315 Claudia Dr 0.64mi 4/2.5 2,450 (+9%) 2mo $300,000 $122 53
293 Claudia Dr 0.57mi 4/2.5 1,976 (-12%) 5mo $295,000 $149 49
655 Shipley Ave 0.75mi 4/2.0 1,942 (-13%) 6mo $315,000 $162 36

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 · 1.15% rent growth · sell at horizon

5-year hold
IRR
-29.2%
Equity multiple
0.04×
Total profit
$-95,450
Equity at exit
$53,015
10-year hold
IRR
-39.3%
Equity multiple
-0.44×
Total profit
$-143,653
Equity at exit
$30,742

Cash invested: $99,557 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
87 active · 24 under contract
Months of supply
22.7 mo (4%/mo absorbed)
Median asking
$354,900 ($162/sqft)
Median days on market
89 d
This list price
11% of active listings are priced below it
ARV vs active asking
-1.9% vs current asking $/sqft

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

ZIP-level market 30813

Home prices YoY
-29.2%
Rents YoY
1.1%
Active inventory
856
Price-to-rent
10.8×

Monthly cashflow live

Estimated rent
$2,447 high interval (Pro) →
Mortgage (P&I)
$1,865
Tax est. 1.5%
$444 /mo · $5,333/yr
Insurance
$148
HOA
$0
Vacancy / Maint / Mgmt
$514
Net cashflow
$-524

Break-even live

Break-even rent $3,110
Max offer price $279,681
Occupancy floor

Sensitivity live

Price -10% $-279 -5% $-402 +0% $-524 +5% $-647 +10% $-770
Rent -10% $-718 -5% $-621 +0% $-524 +5% $-428 +10% $-331
Rate -1.0pp $-345 -0.5pp $-434 base $-524 +0.5pp $-617 +1.0pp $-710

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
$88,890
Closing costs
$10,667
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 35 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
306 AVIGNON Unit TP77 Grovetown, GA 4.0 3.5 2460 $2,800 $1.14 93d 1 0.11mi
306 AVIGNON Unit TP77 Grovetown, GA 4.0 3.5 2460 $2,800 $1.14 72d 1 0.12mi
738 Woodvine Dr Grovetown, GA 3.0 2.5 1772 $2,135 $1.20 70d 1 0.30mi
707 Navan Ln Grovetown, GA 4.0 3.0 2875 $2,450 $0.85 63d 1 0.35mi
705 Navan Ln Grovetown, GA 5.0 3.0 2798 $2,495 $0.89 63d 1 0.36mi
2109 Kinsale Ave Grovetown, GA 3.0 2.0 1956 $1,995 $1.02 70d 1 0.65mi
2467 Newbury Ave Grovetown, GA 4.0 3.0 2236 $2,300 $1.03 63d 1 0.68mi
918 Williford Run Dr Grovetown, GA 4.0 2.5 2190 $2,195 $1.00 63d 1 0.76mi
835 Williford Run Dr Grovetown, GA 5.0 3.0 2889 $2,495 $0.86 63d 1 0.83mi
2612 Waites Dr Grovetown, GA 5.0 3.0 2754 $2,295 $0.83 93d 1 0.84mi
1721 Dunmore Ave Grovetown, GA 4.0 3.0 2112 $2,200 $1.04 63d 1 0.85mi
3615 Penrith Dr Grovetown, GA 4.0 2.0 1842 $2,125 $1.15 93d 1 0.86mi
1007 Linsmore Ave Grovetown, GA 3.0 2.5 1574 $2,100 $1.33 93d 1 0.87mi
456 Brantley Cove Cir Grovetown, GA 3.0 2.5 1652 $1,995 $1.21 93d 1 0.88mi
484 Brantley Cove Cir Grovetown, GA 4.0 2.5 2128 $2,200 $1.03 72d 1 0.91mi
484 Brantley Cove Cir Grovetown, GA 4.0 2.5 2128 $2,200 $1.03 93d 1 0.91mi
488 Brantley Cove Cir Grovetown, GA 3.0 2.5 2161 $2,100 $0.97 93d 1 0.91mi
1042 Linsmore Ave Grovetown, GA 3.0 2.5 1550 $1,900 $1.23 72d 1 0.92mi
1042 Linsmore Ave Grovetown, GA 3.0 3.0 1550 $1,900 $1.23 70d 1 0.92mi
1055 Linsmore Ave Grovetown, GA 3.0 2.5 1540 $1,875 $1.22 63d 1 0.94mi
1058 Linsmore Ave Grovetown, GA 3.0 2.5 1540 $1,875 $1.22 72d 1 0.95mi
1063 Linsmore Ave Grovetown, GA 3.0 2.5 1656 $1,975 $1.19 72d 1 0.96mi
1066 Linsmore Ave Grovetown, GA 3.0 2.5 1574 $1,720 $1.09 63d 1 0.96mi
3915 Griese Ln Grovetown, GA 4.0 2.5 1924 $1,975 $1.03 93d 1 1.14mi
3926 Griese Ln Grovetown, GA 4.0 2.5 1936 $2,231 $1.15 72d 1 1.15mi
724 Buddy Ct Grovetown, GA 3.0 2.0 1612 $1,870 $1.16 72d 1 1.23mi
5336 Nikki Way Unit 1 Grovetown, GA 4.0 2.5 1755 $1,895 $1.08 93d 1 1.26mi
5336 Nikki Way Grovetown, GA 4.0 3.0 1755 $1,895 $1.08 72d 1 1.26mi
703 Buddy Ct Grovetown, GA 3.0 2.5 1545 $1,750 $1.13 72d 1 1.30mi
703 Buddy Ct Grovetown, GA 3.0 2.5 1545 $1,750 $1.13 93d 1 1.30mi
1117 Jolly LN Grovetown, GA 3.0 2.5 1461 $1,995 $1.37 63d 1 1.38mi
1115 Jolly Ln , GA 3.0 2.5 1461 $2,035 $1.39 63d 1 1.38mi
1203 Sambar Cir Grovetown, GA 5.0 3.5 2846 $2,750 $0.97 63d 1 1.39mi
479 Sebastian Dr Grovetown, GA 4.0 2.5 2517 $2,200 $0.87 93d 1 1.41mi
1240 Sambar Cir Grovetown, GA 5.0 3.0 2648 $2,300 $0.87 93d 1 1.46mi

Property features AI

Finance

Financial info
List price $312000

Exterior

Parking
2 parking spaces
Utilities
Electric heating and powerCentral air conditioningHas heating and cooling
Home design
Single-family plan (Unity)Located in Grovetown, GA
Construction
New construction (Plan)Living area approximately 2241
Exterior features
Composition roof

Interior

Bedrooms
4 bedrooms
Bathrooms
2 full bathrooms and 1 half bathroom (2.5 total)
Heating & cooling
Electric forced-air heating with heat pumpCentral air conditioning
Interior features
Plan: Unity (new construction plan)

Listing history 50 events

  1. 2026-08-08
    days on market $316,750 Active 127 DOM
  2. 2026-08-07
    days on market $316,750 Active 126 DOM
  3. 2026-08-06
    days on market $316,750 Active 125 DOM
  4. 2026-08-05
    days on market $316,750 Active 124 DOM
  5. 2026-08-04
    days on market $316,750 Active 123 DOM
  6. 2026-08-03
    days on market $316,750 Active 122 DOM
  7. 2026-07-31
    days on market $316,750 Active 119 DOM
  8. 2026-07-29
    days on market $316,750 Active 117 DOM
  9. 2026-07-27
    days on market $316,750 Active 115 DOM
  10. 2026-07-25
    days on market $316,750 Active 113 DOM
  11. 2026-07-24
    days on market $316,750 Active 112 DOM
  12. 2026-07-23
    price $316,750 Active 111 DOM
  13. 2026-07-23
    days on market $316,000 Active 111 DOM
  14. 2026-07-22
    days on market $316,000 Active 110 DOM
  15. 2026-07-21
    days on market $316,000 Active 109 DOM
  16. 2026-07-18
    days on market $316,000 Active 106 DOM
  17. 2026-07-16
    days on market $316,000 Active 104 DOM
  18. 2026-07-16
    days on market $316,000 Active 103 DOM
  19. 2026-07-14
    days on market $316,000 Active 102 DOM
  20. 2026-07-13
    pricedays on market $316,000 Active 101 DOM
  21. 2026-07-12
    days on market $312,000 Active 100 DOM
  22. 2026-07-11
    days on market $312,000 Active 99 DOM
  23. 2026-07-10
    days on market $312,000 Active 98 DOM
  24. 2026-07-09
    days on market $312,000 Active 97 DOM
  25. 2026-07-08
    days on market $312,000 Active 96 DOM
  26. 2026-07-07
    days on market $312,000 Active 95 DOM
  27. 2026-07-06
    days on market $312,000 Active 94 DOM
  28. 2026-07-05
    days on market $312,000 Active 93 DOM
  29. 2026-07-04
    days on market $312,000 Active 92 DOM
  30. 2026-07-03
    days on market $312,000 Active 91 DOM
  31. 2026-07-02
    days on market $312,000 Active 90 DOM
  32. 2026-07-01
    days on market $312,000 Active 89 DOM
  33. 2026-06-30
    days on market $312,000 Active 88 DOM
  34. 2026-06-29
    days on market $312,000 Active 87 DOM
  35. 2026-06-28
    days on market $312,000 Active 86 DOM
  36. 2026-06-28
    days on market $312,000 Active 85 DOM
  37. 2026-06-27
    days on market $312,000 Active 84 DOM
  38. 2026-06-25
    days on market $312,000 Active 82 DOM
  39. 2026-06-23
    days on market $312,000 Active 80 DOM
  40. 2026-06-22
    days on market $312,000 Active 79 DOM
  41. 2026-06-18
    days on market $312,000 Active 76 DOM
  42. 2026-06-17
    days on market $312,000 Active 75 DOM
  43. 2026-06-16
    days on market $312,000 Active 74 DOM
  44. 2026-06-15
    days on market $312,000 Active 73 DOM
  45. 2026-06-14
    days on market $312,000 Active 71 DOM
  46. 2026-06-13
    days on market $312,000 Active 70 DOM
  47. 2026-06-10
    days on market $312,000 Active 68 DOM
  48. 2026-06-09
    days on market $312,000 Active 67 DOM
  49. 2026-06-08
    days on market $312,000 Active 66 DOM
  50. 2026-06-07
    days on market $312,000 Active 65 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 6/10 Major 6 d/yr ≥106°F today · 14 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 53% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
$29,359
− Mortgage interest
−$19,917
− Property taxes
−$5,333
− Insurance
−$1,778
− Repairs & maintenance
−$2,349
− Management
−$2,349
− Depreciation
−$10,344
Taxable loss
−$12,710
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,050
After-tax cash flow
$-3,242/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 · 1 photo

Good 80/100 Cosmetic rehab Est. rehab $11,205–$33,615 screening

This home is in excellent condition with minimal repairs needed. It is move-in ready and would benefit from a fresh coat of paint and some landscaping improvements to maximize its value.

Value-add opportunities

  • Both Painting exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
  • Both Landscaping improvements — Enhances curb appeal and adds value
  • Both New flooring in bathrooms and kitchen — Modern flooring improves aesthetics and adds value
  • Both New window treatments — Enhances curb appeal and interior aesthetics
  • Both New lighting fixtures — Improves interior aesthetics and adds value

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 34/100

Zoned Schools

Elementary Euchee Creek Elementary School D GA #298/1,228 Nat'l #14,382/41,679 Middle Harlem Middle School F GA #155/470 Nat'l #6,362/14,009 High Harlem High School F GA #297/424 Nat'l #15,355/17,239

Schools (NCES district)

District
Columbia County
NCES district ID
1301410
Math proficiency
49% ▼ -6.00%
Reading proficiency
52% ▼ -4.00%
Median HH income
$69,358
Composite
45.04/100
National rank
#2695
State rank
#13 of 174 in GA
B Composite livability gradescore 73/100

Livability — Grovetown

Score
73/100
State rank
#57
US rank
#5433

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Columbia County · 189,073 people
City population
52,466
Metro
Augusta-Richmond County, GA-SC
Population (ZIP)
52,466
Household income
$86,923
Rent vs Own
27.2% rent · 72.8% own
Severe rent burden
10% of renters

Population outlook (Columbia County) Hauer SSP2

Today (2025)
189,073 people
By 2030
212,277 · +12.3%
By 2040
259,480 · +37.2%
By 2050
306,991 · +62.4%
By 2075
421,213 · +122.8%
By 2100
496,722 · +162.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.65)
Race & ethnicity
White 51% Black 29% Hispanic / Latino 11% Two or more races 10% Asian 2%
Hispanic origin (detail)
Mexican 5% Puerto Rican 3%
Common ancestry
Italian 2% Serbian 1% Lithuanian 1%
Foreign-born
6% · Canada, Vietnam
Languages at home
88% English-only · Spanish 7% German/W. Germanic 2% Other Indo-European 1%

Political lean MEDSL · Columbia

2024 margin
Strong R (+25.6) · D 36.8% · R 62.5%
2008→2024 swing
+17.0pp toward D · 2008: -42.7pp · 2024: -25.6pp
All cycles
2024: R+25.6 2020: R+25.8 2016: R+37.7 2012: R+43.0 2008: R+42.7

Not yet ingested

Civics

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…