CashFlowRE
Sign in Sign up
101 Sparta St
C Composite 58.98
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).

  • Cash flow +24.1/30.0
  • ARV discount +9.4/15.0
  • DSCR +7.8/10.0
  • 1% rule +5.2/10.0
  • Schools +3.9/10.0
  • Livability +3.2/5.0
  • Rent growth +2.9/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$135,000

101 Sparta St · Warner Robins, GA 31088
3 bd · 1.0 ba · 1,101 sqft · SingleFamily public records · 34 Days on market
Built 1961 0.41 ac lot $123/sqft · at area comps Est $141k · at est.

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

Listing remarks MLS

Small brick ranch with single carport. side yard is fenced, corner lot. Hardwood flooring and standard starter home. Buyer must accompany realtor whenviewing home

Key facts

  • Painted brick home
  • Spacious lot
  • Conveniently located

Tags

PAINTED BRICK HOMEORIGINAL HARDWOOD FLOORSTHREE SEPARATE FENCED AREASSPACIOUS LOTCONVENIENTLY LOCATED

Property features AI

Finance

  • HOA & community: No HOA; Community has sidewalks

Exterior

  • Parking: Attached carport
  • Utilities: Public water available; Public sewer (sewer connected); Electricity available
  • Home design: Single-family house; Resale property; Built in 1961; One story
  • Construction: Brick construction; Other roof material
  • Exterior features: Porch; Back-yard chain link fencing; Corner, level, open lot; Outbuilding on property

Interior

  • Kitchen: Refrigerator; Breakfast area and breakfast bar
  • Bedrooms: 3 bedrooms on the main level
  • Flooring: Hardwood flooring; Vinyl flooring
  • Bathrooms: 1 full bathroom (main level)
  • Heating & cooling: Central heating; Central air conditioning; Ceiling fan(s)
  • Interior features: One-level living; Breakfast area and breakfast bar; Public-record living area of 1,101 (listed); No fireplace
  • Laundry & utility: Laundry: Other; Electric water heater

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 3-bed/1.0-bath single-family listed at $135k.

Deal economics

  • At list price, monthly cash flow is $267 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $135k).
  • Recommended offer: $131k (3.0% below list) — sets the bar for market timing.
  • Cap rate 8.7% vs local median 4.9% in Warner Robins — 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 65/100 on livability (#227 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, employment D+, crime F.
  • Houston County (urban): math 43% / reading 46% proficiency, ranked #23 of 174 in GA (top 13%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents rising (+1.7%/yr); 286 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,545 units permitted in Houston County in 2024 (336 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Houston County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 34 days — a 3% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 10y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $28k; list at $135k implies a 391% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $130,950 (3.0% below list)

Questions for the listing agent

  1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are D-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 F 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
1.02%
Cap rate
8.67%
Cash-on-cash
8.49%
DSCR
1.38
GRM
8.2

CMA / ARV

ARV (median comp)
$140,877
List price
$135,000
Delta
-4.17%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
112 Athens St 0.11mi 3/1.0 1,053 (-4%) 2mo $137,000 $130 86
110 Lee St 0.16mi 3/2.0 1,087 (-1%) 2mo $189,000 $174 85
109 Lee St 0.19mi 3/1.0 1,073 (-2%) 4mo $110,000 $103 84
108 Lee St 0.17mi 3/1.0 1,196 (+9%) 9mo $175,000 $146 70
111 Grant St 0.30mi 3/2.0 1,214 (+10%) 2mo $178,500 $147 64
112 Maxwell Dr 0.43mi 3/1.0 1,080 (-2%) 22mo $132,000 $122 59
117 Maxwell Dr 0.42mi 3/1.0 984 (-11%) 6mo $83,750 $85 58
127 Lincoln St 0.26mi 3/1.0 988 (-10%) 19mo $125,000 $127 55
304 Wall St 0.56mi 3/1.0 960 (-13%) 1mo $115,000 $120 52
202 Maxwell Dr 0.54mi 3/1.0 1,025 (-7%) 15mo $100,000 $98 51
109 Smith Ct 0.57mi 3/1.5 1,204 (+9%) 7mo $80,000 $66 50
319 Laurel Woods Dr 0.64mi 3/2.0 1,264 (+15%) 11mo $215,000 $170 33

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 · 1.67% rent growth · sell at horizon

5-year hold
IRR
-4.8%
Equity multiple
0.82×
Total profit
$-6,711
Equity at exit
$20,129
10-year hold
IRR
3.3%
Equity multiple
1.23×
Total profit
$8,635
Equity at exit
$11,672

Cash invested: $37,800 (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.

ZIP-level market 31088

Rents YoY
1.7%
Active inventory
286
Price-to-rent
8.2×

Monthly cashflow live

Estimated rent
$1,373 high interval (Pro) →
Mortgage (P&I)
$708
Tax from tax record
$53 /mo · $634/yr
Insurance
$56
HOA
$0
Vacancy / Maint / Mgmt
$288
Net cashflow
$267

Break-even live

Break-even rent $1,034
Max offer price $135,000
Occupancy floor 76%

Sensitivity live

Price -10% $344 -5% $306 +0% $267 +5% $229 +10% $191
Rent -10% $159 -5% $213 +0% $267 +5% $322 +10% $376
Rate -1.0pp $335 -0.5pp $302 base $267 +0.5pp $232 +1.0pp $197

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
$33,750
Closing costs
$4,050
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 14 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
108 Corinth St Warner Robins, GA 3.0 1.0 1200 $1,400 $1.17 44d 1 0.11mi
305 Sparta St Warner Robins, GA 3.0 1.0 1198 $1,200 $1.00 44d 1 0.30mi
107 Virginia Dare Dr Warner Robins, GA 2.0 1.0 744 $1,150 $1.55 22d 1 0.46mi
107 Virginia Dare Dr Warner Robins, GA 2.0 1.0 744 $1,150 $1.55 44d 1 0.46mi
605 S Pleasant Hill Rd Warner Robins, GA 3.0 1.0 1326 $1,150 $0.87 44d 1 0.95mi
605 S Pleasant Hill Rd Warner Robins, GA 3.0 1.0 1326 $1,150 $0.87 22d 1 0.96mi
805 Crestwood Ter Warner Robins, GA 3.0 1.0 864 $1,125 $1.30 44d 1 0.97mi
114 Forrester Dr Warner Robins, GA 3.0 1.0 810 $1,100 $1.36 22d 1 1.01mi
1311 Alma Ave Warner Robins, GA 3.0 1.0 1073 $1,150 $1.07 44d 1 1.05mi
311 2nd St Warner Robins, GA 2.0 1.0 1000 $1,100 $1.10 22d 1 1.20mi
Blue Pines Apartments Warner Robins, GA 1.0–2.0 1.0 670 $1,025 $1.53 14d 2 1.27mi
103 Dellwood Cir Unit 107-B Warner Robins, GA 2.0 1.0 850 $725 $0.85 22d 1 1.36mi
103 Dellwood Cir Warner Robins, GA 2.0 1.0 1000 $1,050 $1.05 22d 1 1.39mi
210 Southland Station Dr Warner Robins, GA 1.0–3.0 1.0–2.0 1135 $1,413 $1.24 14d 15 1.46mi

Listing history 21 events

  1. 2026-06-15
    days on market $135,000 Active 34 DOM
  2. 2026-06-14
    days on market $135,000 Active 32 DOM
  3. 2026-06-13
    days on market $135,000 Active 31 DOM
  4. 2026-06-10
    days on market $135,000 Active 29 DOM
  5. 2026-06-09
    days on market $135,000 Active 28 DOM
  6. 2026-06-08
    days on market $135,000 Active 27 DOM
  7. 2026-06-07
    days on market $135,000 Active 26 DOM
  8. 2026-06-05
    days on market $135,000 Active 23 DOM
  9. 2026-06-03
    days on market $135,000 Active 22 DOM
  10. 2026-06-02
    days on market $135,000 Active 21 DOM
  11. 2026-06-01
    days on market $135,000 Active 20 DOM
  12. 2026-05-31
    days on market $135,000 Active 19 DOM
  13. 2026-05-30
    days on market $135,000 Active 18 DOM
  14. 2026-05-12
    listed $135,000 New 579-char remark
  15. 2026-05-12
    listed $135,000 Active 579-char remark
  16. 2026-05-12
    listed $135,000 Active
  17. 2016-07-25
    soldstatus $27,500
    Show marketing remark (162 chars)

    Small brick ranch with single carport. side yard is fenced, corner lot. Hardwood flooring and standard starter home. Buyer must accompany realtor whenviewing home

  18. 2016-07-25
    soldstatus $27,500
    Show marketing remark (162 chars)

    Small brick ranch with single carport. side yard is fenced, corner lot. Hardwood flooring and standard starter home. Buyer must accompany realtor whenviewing home

  19. 2016-06-08
    listed $29,900
    Show marketing remark (162 chars)

    Small brick ranch with single carport. side yard is fenced, corner lot. Hardwood flooring and standard starter home. Buyer must accompany realtor whenviewing home

  20. 2016-06-08
    listed $29,900
    Show marketing remark (162 chars)

    Small brick ranch with single carport. side yard is fenced, corner lot. Hardwood flooring and standard starter home. Buyer must accompany realtor whenviewing home

  21. 2006-05-22
    soldstatus $70,000

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

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$634 · $53/mo
Projected year-2 tax
$1,242 · $104/mo
Expected delta
+$608/yr (+$51/mo · 95.9%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 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
$16,472
− Mortgage interest
−$7,562
− Property taxes
−$634
− Insurance
−$675
− Repairs & maintenance
−$1,318
− Management
−$1,318
− Depreciation
−$3,927
Taxable income
$1,038
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$249
After-tax cash flow
$2,959/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
Houston County
NCES district ID
1302880
Math proficiency
43% ▼ -7.00%
Reading proficiency
46% ▼ -2.00%
Median HH income
$54,823
Composite
38.68/100
National rank
#4144
State rank
#23 of 174 in GA

Livability — Warner Robins

Score
65/100
State rank
#227
US rank
#13290

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Warner Robins, GA
County
Houston County · 157,321 people
City population
92,102
Metro
Warner Robins, GA
Population (ZIP)
58,585
Household income
$83,082
Rent vs Own
36.9% rent · 63.1% own
Severe rent burden
1668.0

Population outlook (Houston County) Hauer SSP2

Today (2025)
169,502 people
By 2030
178,486 · +5.3%
By 2040
194,642 · +14.8%
By 2050
207,119 · +22.2%
By 2075
231,480 · +36.6%
By 2100
235,034 · +38.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.63)
Race & ethnicity
White 51% Black 32% Two or more races 9% Hispanic / Latino 7% Asian 4%
Hispanic origin (detail)
Mexican 4%
Common ancestry
Romanian 2% Slovak 2% Lithuanian 2%
Foreign-born
9% · Canada, Vietnam, Jamaica
Languages at home
90% English-only · Spanish 5% Other Asian/Pacific 2% Vietnamese 2%

Political lean MEDSL · Houston

2024 margin
R (+11.3) · D 44.0% · R 55.3%
2008→2024 swing
+8.9pp toward D · 2008: -20.2pp · 2024: -11.3pp
All cycles
2024: R+11.3 2020: R+12.4 2016: R+21.6 2012: R+20.7 2008: R+20.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -135.75%
Current HPI
219.8261
Rent YoY
▲ 1.67%
Metro
Warner Robins, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+92.9% since first listed
8 events — show timeline
  • 2026-06-15 Listing Removed GAMLS
  • 2026-05-12 Listed $135,000 GAMLS
  • 2026-05-12 Listed $135,000 CGMLS
  • 2016-07-25 Sold (MLS) $27,500 CGMLS
  • 2016-07-25 Sold (MLS) $27,500 MGMLS
  • 2016-06-08 Listed $29,900 CGMLS
  • 2016-06-08 Listed $29,900 MGMLS
  • 2006-05-22 Sold (Public Records) $70,000 Public Records

Property tax history

+1.5%/yr

Latest (2025): $634 · +10.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…