Is 58 Jeb Stuart Ln in Martinsburg, WV a good investment?

CashFlowRE grades it B+ with a 23.8% cap rate and $892/mo modeled cash flow at a $65,000 list price. See the full underwriting and recommended offer on the page.

What is the cap rate for 58 Jeb Stuart Ln?

The modeled cap rate is 23.8% — annual NOI divided by price, using CashFlowRE's rent and expense estimates.

What would this property rent for?

Estimated market rent is $1,768/month, from CashFlowRE's rent model.

B+ Composite 78.95

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
ARV discount +15.0/15.0
1% rule +10.0/10.0
DSCR +10.0/10.0
Condition / age +4.0/5.0
Livability +3.8/5.0
Schools +3.7/10.0
Rent growth +2.5/5.0
Appreciation +0.0/10.0

$65,000

58 Jeb Stuart Ln · Martinsburg, WV 25403

3 bd · 1.5 ba · 950 sqft · SingleFamily · 267 Days on market

Built 1986 Good condition 1,000 sqft lot $68/sqft · 17% below area Est $78k · 17% under

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

Listing remarks

Completely remodeled mobile home for sale in the Rocky Glen mobile home community just minutes from all the convenancies in Spring Mills West Virginia The home had three bedrooms two baths and has been completely remodeled New lvp flooring though out New updated kitchen with brand new cabinets new kitchen sink new countertops and a new breakfast bar installed Home comes with all appliances Refrigerator stove microwave washer & dryer All new light fixtures throughout the entire house all new electrical switches and plugs were installed Brand new remodeled bathroom with new tub new shower surround a new vanity sink and a new mirror were installed New Ceiling fans in all 3 bedrooms a

Key facts

Remodeled bathroom
New ceiling fans
Updated kitchen

What this means for you Summary

Snapshot

This is a 3-bed/1.5-bath single-family listed at $65k. Condition is rated good.

Deal economics

At list price, monthly cash flow is $892 ($11k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($2k rent vs $65k).
Recommended offer: $57k (12.0% below list) — sets the bar for market timing.
Cap rate 23.8% vs local median 3.7% in Martinsburg — 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 75/100 on livability (#29 in WV, #4,057 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment D-.
Berkeley County Schools (other): math 21% / reading 38% proficiency, ranked #24 of 55 in WV (top 44%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
Market conditions: 389 active listings in the ZIP; solid renter incomes; 1,460 units permitted in Berkeley County in 2024 (16 in 5+ unit buildings).

Forward outlook

Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
Berkeley County population projected at +25% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
At projected returns (-3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

It's been on market 267 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

Watch-outs: flood insurance adds $56/mo.
Climate carrying-cost: severe flood risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $57,200 (12.0% below list)

Questions for the listing agent

It's been on market 267 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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.
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.
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: 2.72% ✓
Cap rate: 23.78%
Cash-on-cash: 62.45%
DSCR: 3.78
GRM: 3.1

CMA / ARV

ARV (median comp): $78,316
List price: $65,000
Delta: -17.00%
Verdict: UNDERPRICED
Comps: 5 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
606 Fancy Filly Cir	0.28mi	2/2.0 (-1)	975 (+3%)	13mo	$75,000	$77	64
164 Appomattox Dr	0.07mi	3/2.0	858 (-10%)	19mo	$48,000	$56	62
527 Fancy Filly Cir	0.20mi	3/2.0	1,000 (+5%)	23mo	$106,000	$106	61
1118 Nipetown Rd	1.32mi	2/1.0 (-1)	912 (-4%)	16mo	$269,000	$295	38
208 Stoney Lick Rd	0.91mi	3/2.0	1,183 (+24%)	4mo	$305,000	$258	35
84 Elliott Dr	1.19mi	3/1.0	1,040 (+10%)	26mo	$299,900	$288	27
115 Canterbury Dr	0.96mi	3/1.5	1,171 (+23%)	35mo	$340,000	$290	20
205 Jamestown Dr	1.47mi	3/2.0	1,158 (+22%)	26mo	$293,000	$253	18
17 Stanford Ln	1.33mi	3/2.0	1,156 (+22%)	35mo	$297,000	$257	18

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 · 3.0% rent growth · sell at horizon

5-year hold

IRR: 57.4%
Equity multiple: 3.55×
Total profit: $46,319
Equity at exit: $9,692

10-year hold

IRR: 62.3%
Equity multiple: 7.25×
Total profit: $113,709
Equity at exit: $5,620

Cash invested: $18,200 (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.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now: 3 active · 2 under contract
Months of supply: 18.0 mo (6%/mo absorbed)
Median asking: $95,000 ($86/sqft)
Median days on market: 139 d
This list price: lowest-priced of the active set
ARV vs active asking: -4.5% vs current asking $/sqft

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

ZIP-level market 25403

Home prices YoY: -15.2%
Active inventory: 389
Price-to-rent: 3.1×

Monthly cashflow live

Estimated rent: $1,768 medium interval (Pro) →
Mortgage (P&I): −$341
Tax est. 1.5%: −$81 /mo · $975/yr
Insurance: −$27
Flood insurance flood zone: −$56 /mo · $666/yr
HOA: −$0
Lot rent: −$0
Vacancy / Maint / Mgmt: −$371
Net cashflow: $892

Break-even live

Break-even rent $639

Max offer price $65,000

Occupancy floor 45%

Sensitivity live

Price	-10% $937	-5% $914	+0% $892	+5% $869	+10% $847
Rent	-10% $752	-5% $822	+0% $892	+5% $961	+10% $1,031
Rate	-1.0pp $924	-0.5pp $908	base $892	+0.5pp $875	+1.0pp $858

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: $16,250
Closing costs: $1,950
Club membership (one-time): —
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.

Property features AI

Exterior

Home design: House
Construction: Approximately 950 sq ft living area
Exterior features: Approximately 1,000 sq ft lot

Listing history 50 events

2026-09-24

days on market $65,000 Active 267 DOM
2026-09-22

days on market $65,000 Active 266 DOM
2026-09-21

days on market $65,000 Active 265 DOM
2026-09-20

days on market $65,000 Active 264 DOM
2026-09-18

days on market $65,000 Active 262 DOM
2026-09-17

days on market $65,000 Active 261 DOM
2026-09-16

days on market $65,000 Active 260 DOM
2026-09-15

days on market $65,000 Active 259 DOM
2026-09-14

days on market $65,000 Active 258 DOM
2026-09-13

days on market $65,000 Active 257 DOM
2026-09-12

days on market $65,000 Active 256 DOM
2026-09-11

days on market $65,000 Active 255 DOM
2026-09-05

days on market $65,000 Active 249 DOM
2026-09-04

days on market $65,000 Active 248 DOM
2026-09-03

days on market $65,000 Active 247 DOM
2026-08-31

days on market $65,000 Active 244 DOM
2026-08-30

days on market $65,000 Active 243 DOM
2026-08-29

days on market $65,000 Active 242 DOM
2026-08-28

days on market $65,000 Active 241 DOM
2026-08-27

days on market $65,000 Active 240 DOM
2026-08-25

days on market $65,000 Active 238 DOM
2026-08-23

days on market $65,000 Active 236 DOM
2026-08-22

days on market $65,000 Active 235 DOM
2026-08-21

days on market $65,000 Active 234 DOM
2026-08-20

days on market $65,000 Active 233 DOM
2026-08-19

days on market $65,000 Active 232 DOM
2026-08-18

days on market $65,000 Active 231 DOM
2026-08-17

days on market $65,000 Active 230 DOM
2026-08-16

days on market $65,000 Active 229 DOM
2026-08-15

days on market $65,000 Active 228 DOM
2026-08-15

days on market $65,000 Active 227 DOM
2026-08-13

days on market $65,000 Active 226 DOM
2026-08-12

days on market $65,000 Active 225 DOM
2026-08-11

days on market $65,000 Active 224 DOM
2026-08-10

days on market $65,000 Active 223 DOM
2026-08-09

days on market $65,000 Active 222 DOM
2026-08-08

days on market $65,000 Active 221 DOM
2026-08-07

days on market $65,000 Active 220 DOM
2026-08-06

days on market $65,000 Active 219 DOM
2026-08-05

days on market $65,000 Active 218 DOM
2026-08-04

days on market $65,000 Active 217 DOM
2026-08-03

days on market $65,000 Active 216 DOM
2026-07-31

days on market $65,000 Active 213 DOM
2026-07-30

days on market $65,000 Active 212 DOM
2026-07-29

days on market $65,000 Active 211 DOM
2026-07-27

days on market $65,000 Active 209 DOM
2026-07-25

days on market $65,000 Active 207 DOM
2026-07-24

days on market $65,000 Active 206 DOM
2026-07-23

days on market $65,000 Active 205 DOM
2026-07-22

days on market $65,000 Active 204 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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
🔥 Wildfire 3/10 Moderate
🌡 Heat 5/10 Major 7 d/yr ≥102°F today · 16 d/yr by 30 yrs out
💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income: $21,211
− Mortgage interest: −$3,641
− Property taxes: −$975
− Insurance: −$992
− Repairs & maintenance: −$1,697
− Management: −$1,697
− Depreciation: −$1,891
Taxable income: $10,319

Your marginal tax rate % combined federal + state — saved on this device

Est. tax owed @ 24.0%: −$2,477
After-tax cash flow: $8,224/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 · 13 photos

Good 80/100 Cosmetic rehab Est. rehab $4,750–$14,250 screening

This completely remodeled mobile home is in good condition with new kitchen, bathroom, and flooring. It's move-in ready with minor maintenance needed.

Value-add opportunities

Both Painting exterior siding — Enhances curb appeal and value ↑
Both Landscaping improvements — Enhances curb appeal and value ↑
Both New ceiling fans — Improves air circulation and adds value ↑

ⓘ 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 37/100

Zoned Schools

Elementary Potomack Intermediate School F WV #128/377 Nat'l #21,283/41,679 Middle Spring Mills Middle School F WV #63/109 Nat'l #9,410/14,009 High Spring Mills High School D- WV #10/110 Nat'l #6,809/17,239

Schools (NCES district)

District: Berkeley County Schools
NCES district ID: 5400060
Math proficiency: 21% ▼ -12.00%
Reading proficiency: 38% ▼ -6.00%
Median HH income: $54,599
Composite: 26.16/100
National rank: #7273
State rank: #24 of 55 in WV

B Composite livability gradescore 75/100

Livability — Martinsburg

Score: 75/100
State rank: #29
US rank: #4057

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County: Berkeley County · 127,359 people
City population: 55,439
Metro: Hagerstown-Martinsburg, MD-WV
Population (ZIP): 16,470
Household income: $87,512
Rent vs Own: 18.6% rent · 81.4% own
Severe rent burden: 13% of renters

Population outlook (Berkeley County) Hauer SSP2

Today (2025): 127,359 people
By 2030: 134,684 · +5.8%
By 2040: 148,219 · +16.4%
By 2050: 159,300 · +25.1%
By 2075: 179,920 · +41.3%
By 2100: 183,896 · +44.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character: Predominantly White (74%)
Race & ethnicity: White 74% Hispanic / Latino 10% Black 8% Two or more races 8% Asian 1%
Hispanic origin (detail): Mexican 3%
Common ancestry: Italian 2% Romanian 2% Slovak 1%
Foreign-born: 6% · Canada, Guatemala, Vietnam
Languages at home: 90% English-only · Spanish 6% Vietnamese 1%

Political lean MEDSL · Berkeley

2024 margin: Solid R (+35.8) · D 31.2% · R 67.0% · Other 1.8%
2008→2024 swing: -22.8pp toward R · 2008: -13.0pp · 2024: -35.8pp
All cycles: 2024: R+35.8 2020: R+31.2 2016: R+37.2 2012: R+21.3 2008: R+13.0

Not yet ingested

Civics: —

Market trends

HPI YoY: ▼ -34.15%
Current HPI: 190.9235
Rent YoY: —
Metro: Hagerstown-Martinsburg, MD-WV
State GDP YoY: —
F500 in state: 0

Price history

1 event — show timeline

2025-12-30 Listed $65,000 ForSaleByOwner.com

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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