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611 Swell Mountain Rd
B+ Composite 76.45
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 +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +9.1/10.0
  • ARV discount +7.5/15.0
  • Livability +3.1/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.2/5.0
  • Schools +2.0/10.0

$59,900

611 Swell Mountain Rd · Hinton, WV 25985
3 bd · 1.0 ba · 960 sqft · Manufactured · 219 Days on market
Built 1977 Fair condition 4.00 ac lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Discover potential and peaceful surroundings with this 4-acre property nestled in the lovely Sandstone area. The 3-bedroom, 1-bath home is livable as-is but ready for your personal touch and improvements. All appliances and furniture convey with the sale — including a washer, dryer, and refrigerator in working order. (Note: the stove requires attention. ) Enjoy the quiet of country living just minutes from I-64 and the New River National Park, offering both convenience and access to one of West Virginia's most scenic outdoor destinations. Whether you're looking for a starter home, weekend retreat, or investment project, this property provides plenty of space, privacy, and opportunity to make it your own.

Key facts

  • 4 acre property
  • 4 acre lot
  • Built 1977

Tags

4 ACRE PROPERTYNEW RIVER NATIONAL PARK

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
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What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath manufactured listed at $60k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $303 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($907 rent vs $60k).
  • Recommended offer: $53k (12.0% below list) — sets the bar for market timing.
  • Cap rate 12.4% vs local median 2.6% in Hinton — 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 (#188 in WV) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
  • Summers County Schools (town): math 18% / reading 32% proficiency, ranked #49 of 55 in WV (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 4 active listings in the ZIP; 19 units permitted in Summers County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $5k of equity ($414 loan paydown + $5k appreciation (8.1% local appreciation)).
  • Summers County population projected at -26% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (8.1% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~2 years — after that, you're playing with house money.
  • By year 7, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 219 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts 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.
Recommended offer $52,712 (12.0% below list)

Questions for the listing agent

  1. It's been on market 219 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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
1.51%
Cap rate
12.36%
Cash-on-cash
21.67%
DSCR
1.96
GRM
5.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.12% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
37.3%
Equity multiple
3.65×
Total profit
$44,440
Equity at exit
$45,996
10-year hold
IRR
33.2%
Equity multiple
7.84×
Total profit
$114,653
Equity at exit
$91,772

Cash invested: $16,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
83 Strongly Landlord-Friendly
State West Virginia
83 Strongly Landlord-Friendly · R+22
County
— inherits STATE
City
— inherits STATE
Landlord-favorable; preempted; minimal protections.

ZIP-level market 25985

Home prices YoY
4.5%
Active inventory
4
Price-to-rent
5.5×

Monthly cashflow live

Estimated rent
$907 medium interval (Pro) →
Mortgage (P&I)
$314
Tax est. 1.5%
$75 /mo · $898/yr
Insurance
$25
HOA
$0
Vacancy / Maint / Mgmt
$191
Net cashflow
$303

Break-even live

Break-even rent $524
Max offer price $59,900
Occupancy floor 62%

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
$14,975
Closing costs
$1,797
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.

Listing history 18 events

  1. 2026-06-18
    days on market $59,900 Active 219 DOM
  2. 2026-06-17
    days on market $59,900 Active 218 DOM
  3. 2026-06-16
    days on market $59,900 Active 217 DOM
  4. 2026-06-15
    days on market $59,900 Active 216 DOM
  5. 2026-06-15
    days on market $59,900 Active 215 DOM
  6. 2026-06-13
    days on market $59,900 Active 214 DOM
  7. 2026-06-12
    days on market $59,900 Active 213 DOM
  8. 2026-06-09
    days on market $59,900 Active 210 DOM
  9. 2026-06-08
    days on market $59,900 Active 209 DOM
  10. 2026-06-08
    days on market $59,900 Active 208 DOM
  11. 2026-06-07
    days on market $59,900 Active 207 DOM
  12. 2026-06-04
    days on market $59,900 Active 205 DOM
  13. 2026-06-03
    days on market $59,900 Active 204 DOM
  14. 2026-06-02
    days on market $59,900 Active 203 DOM
  15. 2026-06-01
    days on market $59,900 Active 202 DOM
  16. 2026-05-31
    days on market $59,900 Active 201 DOM
  17. 2026-05-13
    status Active 720-char remark
    Show marketing remark (720 chars)

    Discover potential and peaceful surroundings with this 4-acre property nestled in the lovely Sandstone area. The 3-bedroom, 1-bath home is livable as-is but ready for your personal touch and improvements. All appliances and furniture convey with the sale — including a washer, dryer, and refrigerator in working order. (Note: the stove requires attention. ) Enjoy the quiet of country living just minutes from I-64 and the New River National Park, offering both convenience and access to one of West Virginia's most scenic outdoor destinations. Whether you're looking for a starter home, weekend retreat, or investment project, this property provides plenty of space, privacy, and opportunity to make it your own.

  18. 2025-11-11
    listed $59,900 Active 720-char remark
    Show marketing remark (720 chars)

    Discover potential and peaceful surroundings with this 4-acre property nestled in the lovely Sandstone area. The 3-bedroom, 1-bath home is livable as-is but ready for your personal touch and improvements. All appliances and furniture convey with the sale — including a washer, dryer, and refrigerator in working order. (Note: the stove requires attention. ) Enjoy the quiet of country living just minutes from I-64 and the New River National Park, offering both convenience and access to one of West Virginia's most scenic outdoor destinations. Whether you're looking for a starter home, weekend retreat, or investment project, this property provides plenty of space, privacy, and opportunity to make it your own.

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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$10,889
− Mortgage interest
−$3,355
− Property taxes
−$898
− Insurance
−$300
− Repairs & maintenance
−$871
− Management
−$871
− Depreciation
−$1,743
Taxable income
$2,851
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$684
After-tax cash flow
$2,951/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

Fair 45/100 Moderate rehab

This 3-bedroom, 1-bath home requires moderate renovations to improve its condition and increase its resale and rental value.

Repairs flagged

  • Major stove — Visible rust and wear indicate significant damage.
  • Moderate kitchen cabinets — Worn appearance suggests need for replacement or repair.
  • Moderate bathroom fixtures — Outdated and possibly leaking fixtures need replacement.
  • Major roof — Significant wear and tear visible, likely requiring full replacement.
  • Major exterior siding — Peeling paint and wear indicate need for replacement.
  • Major windows — Old and possibly inefficient, may need replacement or energy-efficient upgrades.
  • Major HVAC unit — Old and likely inefficient, may need replacement.
  • Major landscaping — Overgrown and minimal, may need landscaping improvements to enhance curb appeal.

Value-add opportunities

  • Resale Paint interior walls — Fresh paint can significantly improve the home's appearance and value.
  • Both Replace HVAC unit — A new HVAC system can improve comfort and energy efficiency, benefiting both resale and rental value.
  • Both Replace windows — New windows can improve energy efficiency, reduce heating and cooling costs, and enhance curb appeal.
  • Both Landscaping improvements — A well-maintained yard can increase the home's curb appeal and rental value.
  • Resale Replace kitchen cabinets — Fresh, updated cabinets can improve the kitchen's functionality and aesthetic appeal.
  • Resale Upgrade bathroom fixtures — Modern, functional fixtures can enhance the bathroom's appeal and value.

Renovation cost estimate screening

Repair itemSeverityEst. cost
stove · Visible rust and wear indicate significant damage. Major $15,000–50,000
kitchen cabinets · Worn appearance suggests need for replacement or repair. Moderate $3,000–15,000
bathroom fixtures · Outdated and possibly leaking fixtures need replacement. Moderate $3,000–15,000
roof · Significant wear and tear visible, likely requiring full replacement. Major $15,000–50,000
exterior siding · Peeling paint and wear indicate need for replacement. Major $15,000–50,000
windows · Old and possibly inefficient, may need replacement or energy-efficient upgrades. Major $15,000–50,000
HVAC unit · Old and likely inefficient, may need replacement. Major $15,000–50,000
landscaping · Overgrown and minimal, may need landscaping improvements to enhance curb appeal. Major $15,000–50,000
Total estimated repair cost · 8 items $96,000–330,000

Value-add ROI direction

  • Resale Paint interior walls — Fresh paint can significantly improve the home's appearance and value.
  • Both Replace HVAC unit — A new HVAC system can improve comfort and energy efficiency, benefiting both resale and rental value.
  • Both Replace windows — New windows can improve energy efficiency, reduce heating and cooling costs, and enhance curb appeal.
  • Both Landscaping improvements — A well-maintained yard can increase the home's curb appeal and rental value.
  • Resale Replace kitchen cabinets — Fresh, updated cabinets can improve the kitchen's functionality and aesthetic appeal.
  • Resale Upgrade bathroom fixtures — Modern, functional fixtures can enhance the bathroom's appeal and 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
Summers County Schools
NCES district ID
5401350
Math proficiency
18% ▼ -8.00%
Reading proficiency
32% ▼ -4.00%
Median HH income
$33,089
Composite
20.39/100
National rank
#8593
State rank
#49 of 55 in WV

Livability — Hinton

Score
62/100
State rank
#188
US rank
#17062

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
381

Population outlook (Summers County) Hauer SSP2

Today (2025)
11,605 people
By 2030
10,904 · -6.0%
By 2040
9,658 · -16.8%
By 2050
8,619 · -25.7%
By 2075
6,920 · -40.4%
By 2100
5,819 · -49.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (94%)
Race & ethnicity
White 94% Two or more races 6%
Common ancestry
Serbian 4% Slovak 3%

Political lean MEDSL · Summers

2024 margin
Solid R (+51.4) · D 23.3% · R 74.7% · Other 2.0%
2008→2024 swing
-40.1pp toward R · 2008: -11.3pp · 2024: -51.4pp
All cycles
2024: R+51.4 2020: R+47.0 2016: R+46.6 2012: R+28.8 2008: R+11.3

Not yet ingested

Civics

Market trends

HPI YoY
▲ 8.12%
Current HPI
188.41
Rent YoY
Metro
State GDP YoY
F500 in state
0

Price history

2 events — show timeline
  • 2026-05-13 Relisted BBOR
  • 2025-11-11 Listed $59,900 BBOR

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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