CashFlowRE
Sign in Sign up
317 S Paseo Quinta Unit C
D Composite 42.83
Why this score? — see what drove the D 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 +6.4/30.0
  • 1% rule +6.2/10.0
  • Rent growth +3.9/5.0
  • Schools +3.9/10.0
  • Condition / age +3.8/5.0
  • Livability +3.1/5.0
  • DSCR +0.7/10.0
  • Appreciation +0.0/10.0

$112,000

317 S Paseo Quinta Unit C · Green Valley, AZ 85614
1 bd · 1.0 ba · 588 sqft · Condo · 156 Days on market
Built 1964 Good condition $190/sqft · 19% below area Est $138k · 19% under $410/mo HOA · 33% of rent ↓ 15% since listing

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

Listing remarks MLS

Immactulate well kept 1 bedroom Villa . Full size kitchen appliances including dishwasher. Updated kitchen by previous owner. Beautiful Saltillo tile recently cleaned.and restored by a professional (saltillo thruout Villa). Fully furnished including patio furniture and portable BBO.

Key facts

  • Saltillo tile floors
  • Community pools
  • $410 HOA

Tags

SALTILLO TILE FLOORSCOMMUNITY POOLSGREEN VALLEY RECREATION

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath condo listed at $112k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-194 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $84k (25.1% below list).
  • Meets the 1% rule at list price ($1k rent vs $112k).
  • Recommended offer: $84k (25.1% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 61/100 on livability (#165 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
  • Continental Elementary District (4416) (rural): math 35% / reading 42% proficiency, ranked #72 of 249 in AZ (top 29%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 19% free/reduced lunch — higher-income household profile.
  • Zoned schools: Continental Elementary School (math 35% / reading 42%, grade F, #418 of 1,109 statewide, top 38%, 639 students, 31% FRL).
  • Market conditions: Rents rising fast (+5.6%/yr); 600 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals lingering (median 75d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $774 of loan paydown is wiped out by about $3k 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 156 days — a 12% lower offer ($99k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 2y 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.

Risks & watch-outs

  • Watch-outs: HOA is 33% of rent.
  • 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.
Recommended offer $83,917 (25.1% 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 156 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
  3. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  8. 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?
  9. 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.
  10. 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.
  11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.12%
Cap rate
4.21%
Cash-on-cash
-7.43%
DSCR
0.67
GRM
7.4

CMA / ARV

ARV (median comp)
$137,868
List price
$112,000
Delta
-18.76%
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
344 S Paseo Pena Unit B 0.03mi 1/1.0 588 (0%) 1mo $119,000 $202 98
277 S Paseo Pena Unit C 0.07mi 1/1.0 588 (0%) 0mo $76,000 $129 97
176 S Paseo Sarta Unit B 0.18mi 1/1.0 588 (0%) 0mo $124,000 $211 91
364 S Paseo Lobo Unit C 0.19mi 1/1.0 588 (0%) 0mo $102,000 $173 91
263 S Paseo Madera Unit C 0.18mi 1/1.0 588 (0%) 2mo $97,000 $165 90
291 S Paseo Lobo #C 0.25mi 1/1.0 588 (0%) 2mo $89,900 $153 87
346 S Paseo Aguila Unit B 0.32mi 1/1.0 588 (0%) 0mo $85,000 $145 85
468 S Paseo Aguila Unit C 0.35mi 1/1.0 588 (0%) 1mo $75,000 $128 83
436 S Paseo Madera Unit B 0.19mi 1/1.0 654 (+11%) 2mo $109,500 $167 71
436 S Paseo Cerro Unit B 0.30mi 1/1.0 648 (+10%) 1mo $100,000 $154 68
291 S La Cañada Dr Unit A 0.13mi 2/1.0 (+1) 696 (+18%) 0mo $93,000 $134 64
437 S Paseo Madera Unit A 0.21mi 2/1.0 (+1) 696 (+18%) 0mo $121,000 $174 60

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 · 5.6% rent growth · sell at horizon

5-year hold
IRR
-24.2%
Equity multiple
0.14×
Total profit
$-26,875
Equity at exit
$16,700
10-year hold
IRR
-10.5%
Equity multiple
0.25×
Total profit
$-23,662
Equity at exit
$9,684

Cash invested: $31,360 (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
5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Active competition Active MLS

For sale now
4 active · 10 under contract
Median asking
$142,000 ($204/sqft)
Median days on market
129 d
This list price
25% of active listings are priced below it
ARV vs active asking
+14.9% above current asking $/sqft

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

ZIP-level market 85614

Rents YoY
5.6%
Active inventory
600
Price-to-rent
7.4×

Monthly cashflow live

Estimated rent
$1,253 high interval (Pro) →
Mortgage (P&I)
$587
Tax est. 1.5%
$140 /mo · $1,680/yr
Insurance
$47
HOA
$410
Vacancy / Maint / Mgmt
$263
Net cashflow
$-194

Break-even live

Break-even rent $1,499
Max offer price $83,917
Occupancy floor

Sensitivity live

Price -10% $-117 -5% $-155 +0% $-194 +5% $-233 +10% $-271
Rent -10% $-293 -5% $-244 +0% $-194 +5% $-145 +10% $-95
Rate -1.0pp $-138 -0.5pp $-166 base $-194 +0.5pp $-223 +1.0pp $-253

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
$28,000
Closing costs
$3,360
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 23 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
232 S Paseo Pena Unit C Green Valley, AZ 1.0 1.0 588 $1,000 $1.70 57d 1 0.07mi
329 S Paseo Pena Apt A Green Valley, AZ 2.0 1.0 696 $1,150 $1.65 10d 1 0.09mi
322 S La Canada Dr Unit D Green Valley, AZ 2.0 1.0 696 $1,200 $1.72 82d 1 0.10mi
386 S La Canada Dr Unit C Green Valley, AZ 1.0 1.0 600 $1,150 $1.92 10d 1 0.12mi
430 S Paseo Pena Green Valley, AZ 2.0 1.0 696 $1,025 $1.47 110d 1 0.13mi
132 S Paseo Sarta Green Valley, AZ 1.0 1.0 588 $2,000 $3.40 57d 1 0.18mi
132 S Paseo Sarta Unit B Green Valley, AZ 1.0 1.0 588 $2,000 $3.40 10d 1 0.18mi
133 S Paseo Pena Green Valley, AZ 1.0 1.0 588 $1,050 $1.79 74d 1 0.18mi
174 S Paseo Tierra Green Valley, AZ 1.0 1.0 588 $1,100 $1.87 57d 1 0.18mi
248 S Paseo Lobo Unit D Green Valley, AZ 2.0 1.0 696 $1,150 $1.65 10d 1 0.24mi
478 Paseo Madera Unit B Green Valley, AZ 1.0 1.0 588 $1,250 $2.13 119d 1 0.24mi
466 S Paseo Madera Green Valley, AZ 2.0 1.0 696 $1,100 $1.58 87d 1 0.24mi
466 Paseo Madera Unit A Green Valley, AZ 2.0 1.0 696 $1,100 $1.58 112d 1 0.24mi
303 S Paseo Lobo Green Valley, AZ 2.0 1.0 696 $1,000 $1.44 119d 1 0.26mi
262 S Paseo Cerro Green Valley, AZ 1.0 1.0 588 $1,200 $2.04 97d 1 0.30mi
262 S Paseo Cerro Unit B Green Valley, AZ 1.0 1.0 588 $1,200 $2.04 119d 1 0.30mi
469 S Paseo Lobo Unit B Green Valley, AZ 1.0 1.0 588 $1,200 $2.04 10d 1 0.32mi
478 S Paseo Cerro Green Valley, AZ 1.0 1.0 588 $1,000 $1.70 63d 1 0.34mi
321 S Paseo Cerro Green Valley, AZ 1.0 1.0 596 $1,000 $1.68 4d 1 0.35mi
321 S Paseo Cerro Unit B Green Valley, AZ 1.0 1.0 596 $1,000 $1.68 10d 1 0.35mi
90 W Camino Manzana Green Valley, AZ 1.0 1.0 588 $2,000 $3.40 119d 1 0.36mi
480 S Paseo Aguila Green Valley, AZ 1.0 1.0 588 $925 $1.57 76d 1 0.40mi
480 S Paseo Aguila Unit C Green Valley, AZ 1.0 1.0 588 $950 $1.62 76d 1 0.40mi

Property features AI

Finance

HOA & community
Association: Villas WestHOA fee $410 monthlyHOA transfer fee $155HOA covers heating/air conditioning, common area maintenance, exterior maintenance of unit, roof repair/replacement, street maintenance, and waterCommunity pool and spa/hot tubCommunity laundryParkShuffleboardPaved streets and sidewalks

Exterior

Security
Smoke detectors
Utilities
Water from a water companySewer connected
Home design
CondominiumOne storyFaces west
Construction
Masonry stucco constructionBuilt-up roof
Exterior features
PatioStucco finish fencingPaved roadEast/West exposure

Interior

Kitchen
Gas rangeMicrowave
Flooring
CarpetTile
Bathrooms
1 full bathroom
Heating & cooling
Forced air heatingCentral air conditioning
Interior features
Exhaust fanPlantation shutters

HOA detail $410/mo · $4,920/yr condo

Assessments
None detected in remarks — confirm with the listing agent.

Listing history 50 events

  1. 2026-09-23
    days on market $112,000 Active 156 DOM
  2. 2026-09-22
    days on market $112,000 Active 155 DOM
  3. 2026-09-21
    days on market $112,000 Active 154 DOM
  4. 2026-09-20
    days on market $112,000 Active 153 DOM
  5. 2026-09-19
    days on market $112,000 Active 152 DOM
  6. 2026-09-18
    days on market $112,000 Active 151 DOM
  7. 2026-09-17
    days on market $112,000 Active 150 DOM
  8. 2026-09-16
    days on market $112,000 Active 149 DOM
  9. 2026-09-15
    days on market $112,000 Active 148 DOM
  10. 2026-09-14
    days on market $112,000 Active 147 DOM
  11. 2026-09-13
    days on market $112,000 Active 146 DOM
  12. 2026-09-12
    days on market $112,000 Active 145 DOM
  13. 2026-09-11
    days on market $112,000 Active 144 DOM
  14. 2026-09-05
    days on market $112,000 Active 138 DOM
  15. 2026-09-04
    days on market $112,000 Active 137 DOM
  16. 2026-09-03
    days on market $112,000 Active 136 DOM
  17. 2026-08-31
    days on market $112,000 Active 133 DOM
  18. 2026-08-29
    days on market $112,000 Active 131 DOM
  19. 2026-08-28
    days on market $112,000 Active 130 DOM
  20. 2026-08-27
    days on market $112,000 Active 129 DOM
  21. 2026-08-26
    days on market $112,000 Active 128 DOM
  22. 2026-08-25
    days on market $112,000 Active 127 DOM
  23. 2026-08-23
    days on market $112,000 Active 125 DOM
  24. 2026-08-22
    days on market $112,000 Active 124 DOM
  25. 2026-08-21
    days on market $112,000 Active 123 DOM
  26. 2026-08-20
    days on market $112,000 Active 122 DOM
  27. 2026-08-19
    days on market $112,000 Active 121 DOM
  28. 2026-08-18
    days on market $112,000 Active 120 DOM
  29. 2026-08-17
    days on market $112,000 Active 119 DOM
  30. 2026-08-16
    days on market $112,000 Active 118 DOM
  31. 2026-08-15
    days on market $112,000 Active 117 DOM
  32. 2026-08-14
    days on market $112,000 Active 116 DOM
  33. 2026-08-13
    days on market $112,000 Active 115 DOM
  34. 2026-08-12
    days on market $112,000 Active 114 DOM
  35. 2026-08-11
    days on market $112,000 Active 113 DOM
  36. 2026-08-10
    days on market $112,000 Active 112 DOM
  37. 2026-08-09
    days on market $112,000 Active 111 DOM
  38. 2026-08-08
    days on market $112,000 Active 110 DOM
  39. 2026-08-07
    days on market $112,000 Active 109 DOM
  40. 2026-08-06
    days on market $112,000 Active 108 DOM
  41. 2026-08-05
    days on market $112,000 Active 107 DOM
  42. 2026-08-04
    days on market $112,000 Active 106 DOM
  43. 2026-08-03
    days on market $112,000 Active 105 DOM
  44. 2026-07-31
    days on market $112,000 Active 102 DOM
  45. 2026-07-30
    days on market $112,000 Active 101 DOM
  46. 2026-07-30
    days on market $112,000 Active 100 DOM
  47. 2026-07-28
    days on market $112,000 Active 99 DOM
  48. 2026-07-26
    pricedays on market $112,000 Active 97 DOM
  49. 2026-07-24
    days on market $117,000 Active 95 DOM
  50. 2026-07-23
    days on market $117,000 Active 94 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 8/10 Severe
  • 🌡 Heat 7/10 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
$15,037
− Mortgage interest
−$6,274
− Property taxes
−$1,680
− Insurance
−$560
− Repairs & maintenance
−$1,203
− Management
−$1,203
− HOA
−$4,920
− Depreciation
−$3,258
Taxable loss
−$4,061
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$975
After-tax cash flow
$-1,354/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

Good 75/100 Cosmetic rehab Est. rehab $2,940–$8,820 screening

This 1-bedroom villa in Green Valley is in good condition with cosmetic updates needed. It offers a low-maintenance living space and is move-in ready.

Repairs flagged

  • Minor Kitchen cabinets — Slight wear and tear visible.
  • Minor Bathroom fixtures — Slight wear and tear visible.

Value-add opportunities

  • Resale Replace outdated kitchen cabinets and appliances — Modernizing the kitchen will attract more buyers.
  • Resale Update bathroom fixtures and possibly add a showerhead or faucet — Updating the bathroom will enhance the home's appeal.
  • Both Paint interior walls — Fresh paint will improve the home's appearance and value.
  • Both Clean Saltillo tile floors — Clean Saltillo tile floors will make the home more attractive and easier to maintain.
  • Both Landscaping improvements — Enhancing the landscaping will increase curb appeal and attract more potential buyers/renters.

ⓘ 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 38/100

Zoned Schools

Elementary Continental Elementary School F AZ #418/1,109 Nat'l #20,973/41,679

Schools (NCES district)

District
Continental Elementary District (4416)
NCES district ID
0402250
Math proficiency
35% ▼ -11.00%
Reading proficiency
42% ▬ 0.00%
Median HH income
$48,475
Composite
33.08/100
National rank
#5565
State rank
#72 of 249 in AZ
C Composite livability gradescore 61/100

Livability — Green Valley

Score
61/100
State rank
#165
US rank
#18276

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Green Valley, AZ
County
Pima County · 1,066,056 people
City population
25,381
Metro
Tucson, AZ
Population (ZIP)
25,381
Household income
$64,879
Rent vs Own
16.7% rent · 83.3% own
Severe rent burden
29% of renters

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
Predominantly White (80%)
Race & ethnicity
White 80% Hispanic / Latino 15% Two or more races 7% Black 2%
Hispanic origin (detail)
Mexican 14%
Common ancestry
Portuguese 4% Slovak 4% Italian 3%
Foreign-born
8% · Canada, China
Languages at home
87% English-only · Spanish 9% French/Haitian/Cajun 1% German/W. Germanic 0%

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

Price history

-15.2% since first listed
5 events — show timeline
  • 2026-04-20 Listed $117,000 MLSSAZ
  • 2024-04-11 Pending MLSSAZ
  • 2024-04-09 Sold (MLS) $130,000 MLSSAZ
  • 2024-03-22 Contingent MLSSAZ
  • 2024-02-28 Listed $138,000 MLSSAZ

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…