126 Bunker Hill St · Tennyson, WI 53820

$119,000

2 bd · 1.0 ba · 1,520 sqft · SingleFamily · 36 Days on market

0.47 ac lot Est $228k · 48% under

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Why this score? — see what drove the C 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 +15.0/15.0
• Cash flow +14.3/30.0
• Appreciation +10.0/10.0
• DSCR +4.4/10.0
• 1% rule +4.1/10.0
• Schools +3.5/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Motivated Seller says "Make An offer". BEING SOLD AS IS WHERE IS! 2 - 3 bedroom 1 bathroom home on almost 1/2 acre with a 2 car detached garage with municipal water and sewer. Great Location in the Village of Tennyson, not far from Dubuque, Platteville or lots of outdoor recreation options. Home is in VERY ROUGH SHAPE and will require the buyer to bring their tools, skills and friends or contractor to bring it back to life. There is a toilet and sink in the basement as well as a room with a full sized window. WILL NOT QUALIFY FOR GOVERNMENT LOANS!

Key facts

• 0.47 acre lot
• 2 garage spots
• Listed 36 days

Property features AI

Finance

• Other: Lot size approximately 0.47 acre

Exterior

• Parking: Detached 2-car garage
• Utilities: Municipal water; Municipal sewer; LP gas for heating
• Home design: 1.5-story single-family home; Approximately 1,520 finished above-grade square feet; Site zoning: Residential
• Construction: Assessor/public record year built; Partial finished below grade 0; Block basement foundation
• Exterior features: Patio; Vinyl exterior

Interior

• Kitchen: Kitchen on main level; Breakfast bar; Kitchen dimensions 10 x 18
• Bedrooms: Main level master bedroom (13 x 11); Upper level second bedroom (11 x 9); Upper level den/office (11 x 9)
• Bathrooms: One full bathroom; No master bedroom bath
• Heating & cooling: Forced air heating (LP gas)
• Interior features: Walk-thru bedroom; Partial block basement; Sun room
• Laundry & utility: Washer and dryer included

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $119k.

Deal economics

• At list price, monthly cash flow is $23 ($273/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $108k (9.1% below list).
• Recommended offer: $108k (9.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#325 in WI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B; Watch: health & safety C-, amenities F, commute F.
• Potosi School District (rural): math 40% / reading 35% proficiency, ranked #279 of 426 in WI (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Potosi Elementary (math 64% / reading 34%, grade D, #257 of 1,041 statewide, top 30%, 148 students, 26% FRL); Potosi High (math 30% / reading 30%, grade F, #208 of 483 statewide, top 46%, 107 students, 30% FRL) — zoned schools at 28% FRL track the district average.
• Market conditions: 6 active listings in the ZIP; 120 units permitted in Grant County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $13k of equity ($823 loan paydown + $12k appreciation (10.0% local appreciation)).
• Grant County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $33k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($115k) is reasonable based on typical stale-listing flexibility.

Recommended offer $108,220 (9.1% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 0.91% ✗
• Cap rate: 6.52%
• Cash-on-cash: 0.82%
• DSCR: 1.04
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $228,000
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
126 Bunker Hill St	0.00mi	2/1.0	1,520 (0%)	1mo	$75,000	$49	99
134 Tennyson St	0.35mi	3/1.5 (+1)	1,331 (-12%)	2mo	$199,900	$150	54

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.9%
• Equity multiple: 2.99×
• Total profit: $66,283
• Equity at exit: $107,205

10-year hold

• IRR: 22.0%
• Equity multiple: 6.83×
• Total profit: $194,096
• Equity at exit: $231,191

Cash invested: $33,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 53820

• Home prices YoY: 23.5%
• Active inventory: 6
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,082 medium
• Mortgage (P&I): −$624
• Tax from tax record: −$159 /mo · $1,903/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$227
• Net cashflow: $23

Break-even live

Break-even rent $1,053

Max offer price $119,000

Occupancy floor 93%

Sensitivity live

Price	-10% $90	-5% $56	+0% $23	+5% $-11	+10% $-45
Rent	-10% $-63	-5% $-20	+0% $23	+5% $66	+10% $108
Rate	-1.0pp $83	-0.5pp $53	base $23	+0.5pp $-8	+1.0pp $-39

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: $29,750
• Closing costs: $3,570
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-04-26
   historical Offer Show
2. 2026-04-20
   listed $119,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $1,903 · $159/mo
• Projected year-2 tax: $2,052 · $171/mo
• Expected delta: +$149/yr (+$12/mo · 7.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,986
• − Mortgage interest: −$6,666
• − Property taxes: −$1,903
• − Insurance: −$595
• − Repairs & maintenance: −$1,039
• − Management: −$1,039
• − Depreciation: −$3,462
• Taxable loss: −$1,717
• Est. tax savings @ 24.0%: +$412
• After-tax cash flow: $685/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.

Schools (NCES district)

• District: Potosi School District
• NCES district ID: 5512090
• Math proficiency: 40% ▲ 5.00%
• Reading proficiency: 35% ▲ 5.00%
• Median HH income: $52,086
• Composite: 35.16/100
• National rank: #9881
• State rank: #279 of 426 in WI

Livability — Tennyson

• Score: 69/100
• State rank: #325
• US rank: #8404

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tennyson, WI
• Population (ZIP): 2,472

Population outlook (Grant County) Hauer SSP2

• Today (2025): 53,982 people
• By 2030: 55,104 · +2.1%
• By 2040: 57,353 · +6.2%
• By 2050: 59,315 · +9.9%
• By 2075: 65,496 · +21.3%
• By 2100: 66,508 · +23.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Asian 1% Hispanic / Latino 1%
• Common ancestry: Portuguese 3% Lithuanian 1% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Grant

• 2024 margin: R (+18.2) · D 40.2% · R 58.4% · Other 1.3%
• 2008→2024 swing: -42.0pp toward R · 2008: 23.9pp · 2024: -18.2pp
• All cycles: 2024: R+18.2 2020: R+12.3 2016: R+9.6 2012: D+13.7 2008: D+23.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 48.17%
• Current HPI: 252.83
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

2 events — show timeline

• 2026-04-26 Contingent — SCWMLS
• 2026-04-20 Listed $119,000 SCWMLS

Property tax history

+2.6%/yr

Latest (2025): $1,903 · +15.9% YoY. Source: county tax records.