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B Composite 74.19
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
  • DSCR +10.0/10.0
  • 1% rule +8.5/10.0
  • ARV discount +7.5/15.0
  • Appreciation +6.2/10.0
  • Schools +3.6/10.0
  • Livability +3.4/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$129,900

None · Bronson, FL 32621
3 bd · 2.0 ba · 784 sqft · Manufactured public records · 114 Days on market
Built 1991 0.52 ac lot ↓ 4% since listing

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

Listing remarks MLS

Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

Key facts

  • Open floor plan
  • Detached carport
  • Laundry room

Tags

FRONT SCREEN PORCHOPEN FLOOR PLANDETACHED CARPORTWORKSHOP SHEDMUD ROOMLAUNDRY ROOM

Property features AI

Finance

  • Other: Homestead exempt; Lot size approximately 0.52 acres
  • HOA & community: No HOA/association

Exterior

  • Parking: Carport with 2 spaces
  • Utilities: Well water; Septic tank sewer; Electricity connected
  • Home design: Manufactured home (double wide); One story; Northeast facing
  • Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built as double wide manufactured home
  • Exterior features: Porch; Screened porch; Private mailbox; Shed(s); Storage; Wire fencing; Irregular lot; Paved road access

Interior

  • Kitchen: Range; Refrigerator
  • Bedrooms: 3 bedrooms
  • Flooring: Carpet; Vinyl
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Ceiling fans; Solid wood cabinets; Split bedroom layout; Thermostat
  • Laundry & utility: Washer; Dryer; Inside laundry room

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/2.0-bath manufactured listed at $130k.

Deal economics

  • At list price, monthly cash flow is $492 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $130k).
  • Recommended offer: $118k (9.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 68/100 on livability (#532 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, amenities F, commute F.
  • Levy (rural): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Nature Coast Middle School (math 32% / reading 42%, grade F, #399 of 571 statewide, top 71%, 90 students, 82% FRL, charter) — zoned schools average 82% FRL vs 62% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 154 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 199 units permitted in Levy County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $4k of equity ($898 loan paydown + $3k appreciation (2.4% local appreciation)).
  • Levy County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (2.4% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~4 years — after that, you're playing with house money.
  • By year 9, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 114 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 2y ago; this cycle's ask has dropped $20k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $118,209 (9.0% below list)

Questions for the listing agent

  1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  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
1.35%
Cap rate
10.84%
Cash-on-cash
16.24%
DSCR
1.72
GRM
6.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.35% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
21.3%
Equity multiple
2.17×
Total profit
$42,586
Equity at exit
$53,697
10-year hold
IRR
23.0%
Equity multiple
4.12×
Total profit
$113,382
Equity at exit
$79,261

Cash invested: $36,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Florida
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

ZIP-level market 32621

Home prices YoY
0.7%
Active inventory
154
Price-to-rent
6.2×

Monthly cashflow live

Estimated rent
$1,750 medium interval (Pro) →
Mortgage (P&I)
$681
Tax from tax record
$155 /mo · $1,860/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$368
Net cashflow
$492

Break-even live

Break-even rent $1,127
Max offer price $129,900
Occupancy floor 67%

Sensitivity live

Price -10% $566 -5% $529 +0% $492 +5% $455 +10% $419
Rent -10% $354 -5% $423 +0% $492 +5% $561 +10% $630
Rate -1.0pp $558 -0.5pp $525 base $492 +0.5pp $458 +1.0pp $424

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
$32,475
Closing costs
$3,897
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 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
6057 NE 87th Ave Bronson, FL 3.0 2.0 936 $1,750 $1.87 22d 1 0.19mi

Listing history 12 events

  1. 2026-05-09
    status Pending 1082-char remark
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  2. 2026-05-09
    status Pending
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  3. 2026-04-20
    price $129,900 1082-char remark
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  4. 2026-04-20
    price $129,900
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  5. 2026-03-05
    price $140,000 1082-char remark
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  6. 2026-03-05
    price $140,000
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  7. 2026-01-15
    listed $149,900 Active
  8. 2026-01-01
    listed $149,900 Active 1082-char remark
    Show marketing remark (1082 chars)

    Beautiful property located in Bronson FL. This home is a very well maintained bright open floor plan 2/2 DWMH located on . 52 acres. Bronson is conveniently located a short distance to Gainesville and Ocala Fl. When entering the home you'll see this nice front screen porch perfect for sitting and enjoy the quiet countryside. Front door open to a foyer and over sized living room with a recent added bedroom or can be used as an office space or play room, anything extra you may need. Nice large dining room and open kitchen with lots of space. Master bedroom is spacious with bathroom with a combo tub/shower and vanity. Guest bedroom is spacious along with guest bathroom. Nice mud room off the back porch with spacious laundry room. Outside the yard is the perfect size for low maintenance, a 2 car detached carport and nice workshop/shed with lean too on both sides. This property is stunning, well maintained and perfectly located near town for all the amazing amenities . Accepting CASH , Conventional and VA Loans, call today for YOUR Tour! Some images are virtually staged.

  9. 2024-12-10
    price $129,900
  10. 2024-12-10
    price $129,900
  11. 2024-11-07
    listed $135,000 Active
  12. 2024-11-01
    listed $135,000 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 FL · Resets to sale price

Current annual tax
$1,860 · $155/mo
Projected year-2 tax
$1,860 · $155/mo
Expected delta
$0/yr ($0/mo · 0.0%)

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

Climate risk First Street

  • 🌊 Flood 5/10 Major FEMA zone X (shaded) · 67% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% 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

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$21,000
− Mortgage interest
−$7,276
− Property taxes
−$1,860
− Insurance
−$650
− Repairs & maintenance
−$1,680
− Management
−$1,680
− Depreciation
−$3,779
Taxable income
$4,075
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$978
After-tax cash flow
$4,928/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
Levy
NCES district ID
1201140
Math proficiency
45% ▼ -8.00%
Reading proficiency
43% ▼ -3.00%
Median HH income
$35,254
Composite
36.42/100
National rank
#4673
State rank
#54 of 73 in FL

Livability — Bronson

Score
68/100
State rank
#532
US rank
#9988

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
5,540

Population outlook (Levy County) Hauer SSP2

Today (2025)
36,536 people
By 2030
34,498 · -5.6%
By 2040
30,294 · -17.1%
By 2050
26,368 · -27.8%
By 2075
19,003 · -48.0%
By 2100
13,169 · -64.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (68%)
Race & ethnicity
White 68% Hispanic / Latino 14% Black 9% Two or more races 9% Asian 3%
Hispanic origin (detail)
Mexican 4% Puerto Rican 6% Cuban 1%
Common ancestry
Romanian 2% Lithuanian 2% Serbian 1%
Foreign-born
4% · Canada, Jamaica
Languages at home
91% English-only · Spanish 8%

Political lean MEDSL · Levy

2024 margin
Solid R (+50.3) · D 24.6% · R 74.8%
2008→2024 swing
-23.3pp toward R · 2008: -26.9pp · 2024: -50.3pp
All cycles
2024: R+50.3 2020: R+45.6 2016: R+44.8 2012: R+32.2 2008: R+26.9

Not yet ingested

Civics

Market trends

HPI YoY
▲ 2.35%
Current HPI
340.879
Rent YoY
Metro
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

-3.8% since first listed
12 events — show timeline
  • 2026-05-09 Pending DGLMLS
  • 2026-05-09 Pending Stellar MLS as Distributed by MLS Grid
  • 2026-04-20 Price Changed $129,900 DGLMLS
  • 2026-04-20 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
  • 2026-03-05 Price Changed $140,000 DGLMLS
  • 2026-03-05 Price Changed $140,000 Stellar MLS as Distributed by MLS Grid
  • 2026-01-15 Listed $149,900 Stellar MLS as Distributed by MLS Grid
  • 2026-01-01 Listed $149,900 DGLMLS
  • 2024-12-10 Price Changed $129,900 DGLMLS
  • 2024-12-10 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
  • 2024-11-07 Listed $135,000 Stellar MLS as Distributed by MLS Grid
  • 2024-11-01 Listed $135,000 DGLMLS

Property tax history

+18.6%/yr

Latest (2025): $1,860 · +250.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…