The Cade Plan · Burnettown, SC 29829

$281,900

4 bd · 2.5 ba · 2,046 sqft · SingleFamily · 378 Days on market

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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 +18.4/30.0
• Appreciation +9.2/10.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• 1% rule +4.9/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Key facts

• Covered porch
• Laundry room
• Upper-level loft

Tags

• UPPER-LEVEL LOFT
• MAIN-LEVEL OWNER'S SUITE
• COVERED PORCH
• LAUNDRY ROOM

Property features AI

Finance

• Other: Address: Graniteville, SC 29829
• Financial info: List price $279,900

Exterior

• Home design: New construction plan named The Cade; Active status
• Exterior features: Living area approximately 2,046

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 2 full bathrooms and 1 half bathroom (2.5 total)
• Interior features: Plan home (The Cade)

🏗️ New construction. The $281,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $286,440.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $282k.

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 ($3k rent vs $282k).
• Recommended offer: $248k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 5.5% in Burnettown — 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 64/100 on livability (#159 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• Aiken 01 (suburban): math 31% / reading 44% proficiency, ranked #36 of 80 in SC (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 299 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).
• This rent runs 41% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $26k of equity ($2k loan paydown + $24k appreciation (8.4% local appreciation)).
• Aiken County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (8.4% appreciation + 3.0% rent growth), your $80k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 378 days — a 12% lower offer ($248k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 63% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $248,072 (12.0% below list)

Questions for the listing agent

1. It's been on market 378 days. Have you received any prior offers? Is the seller open to a 12% 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. 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. 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.
6. 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.
7. 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: 0.99% ✗
• Cap rate: 7.41%
• Cash-on-cash: 4.00%
• DSCR: 1.18
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $286,440
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
973 Tess St	0.51mi	4/2.5	2,046 (0%)	4mo	$285,900	$140	72
902 Tess St	0.57mi	4/2.5	2,046 (0%)	2mo	$275,900	$135	72
925 Tess St	0.55mi	4/2.5	2,046 (0%)	4mo	$286,900	$140	71
871 Tess St	0.60mi	4/2.5	2,046 (0%)	3mo	$275,900	$135	70
1515 Brookstone Dr	0.33mi	4/2.0	1,905 (-7%)	5mo	$316,000	$166	67
959 Tess St	0.52mi	3/2.5 (-1)	2,110 (+3%)	4mo	$285,900	$135	62
995 Tess St	0.50mi	3/2.5 (-1)	2,110 (+3%)	6mo	$259,900	$123	62
790 Count Fleet Ct	0.45mi	3/2.5 (-1)	1,890 (-8%)	6mo	$259,900	$138	56
1034 Tess St	0.52mi	3/2.5 (-1)	1,890 (-8%)	4mo	$275,000	$146	55
979 Tess St	0.50mi	3/2.5 (-1)	1,890 (-8%)	6mo	$259,900	$138	54
870 Tess St	0.60mi	3/2.5 (-1)	1,890 (-8%)	2mo	$292,295	$155	53
174 Crystal Springs Rd	0.74mi	3/2.0 (-1)	2,177 (+6%)	5mo	$375,000	$172	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

8.38% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.9%
• Equity multiple: 2.77×
• Total profit: $142,078
• Equity at exit: $225,064

10-year hold

• IRR: 21.6%
• Equity multiple: 5.99×
• Total profit: $400,091
• Equity at exit: $454,047

Cash invested: $80,203 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State South Carolina: 90 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 29829

• Home prices YoY: 3.0%
• Active inventory: 299
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,844 medium
• Mortgage (P&I): −$1,502
• Tax est. 1.5%: −$358 /mo · $4,297/yr
• Insurance: −$119
• HOA: −$0
• Vacancy / Maint / Mgmt: −$597
• Net cashflow: $267

Break-even live

Break-even rent $2,506

Max offer price $286,440

Occupancy floor 86%

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: $71,610
• Closing costs: $8,593
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
618 Count Fleet Ct Graniteville, SC	4.0	2.5	2362	$2,299	$0.97	21d	1	0.28mi
6370 Whirlaway Rd Graniteville, SC	5.0	3.0	2830	$2,755	$0.97	14d	1	0.52mi

Listing history 15 events

1. 2026-06-18
   days on market $281,900 Active 378 DOM
2. 2026-06-17
   days on market $281,900 Active 377 DOM
3. 2026-06-16
   days on market $281,900 Active 376 DOM
4. 2026-06-15
   days on market $281,900 Active 375 DOM
5. 2026-06-14
   days on market $281,900 Active 373 DOM
6. 2026-06-13
   days on market $281,900 Active 372 DOM
7. 2026-06-10
   days on market $281,900 Active 370 DOM
8. 2026-06-09
   days on market $281,900 Active 369 DOM
9. 2026-06-08
   days on market $281,900 Active 368 DOM
10. 2026-06-07
    pricedays on market $281,900 Active 367 DOM
11. 2026-06-03
    days on market $279,900 Active 363 DOM
12. 2026-06-02
    days on market $279,900 Active 362 DOM
13. 2026-06-01
    days on market $279,900 Active 361 DOM
14. 2026-05-31
    days on market $279,900 Active 360 DOM
15. 2026-05-30
    days on market $279,900 Active 359 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 63% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,132
• − Mortgage interest: −$16,045
• − Property taxes: −$4,297
• − Insurance: −$1,432
• − Repairs & maintenance: −$2,731
• − Management: −$2,731
• − Depreciation: −$8,333
• Taxable loss: −$1,436
• Est. tax savings @ 24.0%: +$345
• After-tax cash flow: $3,555/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: Aiken 01
• NCES district ID: 4500720
• Math proficiency: 31% ▼ -11.00%
• Reading proficiency: 44% ▼ -1.00%
• Median HH income: $45,081
• Composite: 31.91/100
• National rank: #5857
• State rank: #36 of 80 in SC

Livability — Burnettown

• Score: 64/100
• State rank: #159
• US rank: #14711

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Aiken County · 116,534 people
• City population: 931
• Metro: Augusta-Richmond County, GA-SC
• Population (ZIP): 12,385
• Household income: $84,228
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 213.0

Population outlook (Aiken County) Hauer SSP2

• Today (2025): 178,003 people
• By 2030: 182,876 · +2.7%
• By 2040: 189,970 · +6.7%
• By 2050: 193,840 · +8.9%
• By 2075: 199,453 · +12.1%
• By 2100: 192,403 · +8.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 59% Black 26% Hispanic / Latino 12% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 1%
• Common ancestry: Italian 2% Swedish 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 10% Other Indo-European 1%

Political lean MEDSL · Aiken

• 2024 margin: Strong R (+25.9) · D 36.4% · R 62.2% · Other 1.4%
• 2008→2024 swing: -1.9pp toward R · 2008: -24.0pp · 2024: -25.9pp
• All cycles: 2024: R+25.9 2020: R+22.7 2016: R+27.5 2012: R+26.0 2008: R+24.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.38%
• Current HPI: 286.4155
• Rent YoY: —
• Metro: Augusta-Richmond County, GA-SC
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B