221 Cuttino Rd · Sumter, SC 29150

$129,000

3 bd · 1.0 ba · 1,296 sqft · SingleFamily public records · 44 Days on market

Built 1956 0.28 ac lot Est $176k · 27% under

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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 +25.4/30.0
• ARV discount +15.0/15.0
• DSCR +8.4/10.0
• 1% rule +6.5/10.0
• Rent growth +3.1/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Cozy 3-bedroom, 1-bath home nestled in a well-established neighborhood. This inviting property features an enclosed carport that can serve as a spacious 4th bedroom, offering flexibility for guests, a home office, or additional living space. A large laundry room is conveniently attached to the enclosed porch, adding extra functionality and storage. Enjoy a fully fenced backyard—perfect for pets, play, or entertaining—complete with a wired workshop ideal for hobbies, storage, or projects. Whether you're starting out or looking to downsize, this home offers comfort, functionality, and a great location. Home is being sold AS IS.

Key facts

• Enclosed carport
• Large laundry room
• Wired workshop

Tags

• ENCLOSED CARPORT
• LARGE LAUNDRY ROOM
• FULLY FENCED BACKYARD
• WIRED WORKSHOP

Property features AI

Exterior

• Parking: Detached 1-car garage
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; Public water available
• Home design: Single-family house; One story
• Construction: Wood siding; Shingle roof; Crawl space foundation; Built as a house
• Exterior features: Front covered porch; Deck; Chain link fencing; Workshop

Interior

• Kitchen: Range; Refrigerator
• Flooring: Carpet; Hardwood; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Storage; Gas fireplace
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $129k.

Deal economics

• At list price, monthly cash flow is $297 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $129k).
• Recommended offer: $125k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.1% vs local median 3.4% in Sumter — 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 59/100 on livability (#235 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, health & safety A+, housing A-; Watch: crime F, amenities F, commute F.
• Sumter 01 (urban): math 18% / reading 28% proficiency, ranked #64 of 80 in SC (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Willow Drive Elementary (math 8% / reading 12%, grade F, #587 of 597 statewide, top 99%, 551 students, 100% FRL); Alice Drive Middle (math 23% / reading 34%, grade F, #144 of 229 statewide, top 63%, 841 students, 100% FRL); Sumter High School (math 22% / reading 67%, grade F, #166 of 196 statewide, top 87%, 2,289 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.5%/yr); 376 active listings in the ZIP; 386 units permitted in Sumter County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $892 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Sumter County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($125k) 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.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $125,130 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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.
7. 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.
8. 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: 1.15% ✓
• Cap rate: 9.06%
• Cash-on-cash: 9.88%
• DSCR: 1.44
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $176,256
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2 Hilliard Dr	0.19mi	3/2.0	1,268 (-2%)	12mo	$222,500	$175	74
163 Rast St	0.11mi	3/1.5	1,208 (-7%)	11mo	$92,000	$76	72
428 Devotion Ln	0.20mi	3/2.5	1,418 (+9%)	8mo	$197,000	$139	62
29 Rast St	0.23mi	3/1.5	1,122 (-13%)	10mo	$128,000	$114	56
164 Wall St	0.32mi	3/2.5	1,418 (+9%)	13mo	$193,990	$137	52
166 Wall St	0.32mi	3/2.5	1,418 (+9%)	13mo	$193,000	$136	52
186 Wall St	0.30mi	3/2.5	1,418 (+9%)	14mo	$195,000	$138	52
184 Wall St	0.30mi	3/2.5	1,418 (+9%)	15mo	$193,000	$136	52
154 Wall St	0.35mi	3/2.5	1,418 (+9%)	13mo	$194,990	$138	52
144 Wall St	0.37mi	3/2.5	1,418 (+9%)	12mo	$193,490	$136	51
142 Wall St	0.36mi	3/2.5	1,418 (+9%)	13mo	$193,000	$136	51
242 Wall St	0.38mi	3/2.5	1,418 (+9%)	14mo	$193,000	$136	49

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 · 2.55% rent growth · sell at horizon

5-year hold

• IRR: -1.9%
• Equity multiple: 0.93×
• Total profit: $-2,628
• Equity at exit: $19,234

10-year hold

• IRR: 7.3%
• Equity multiple: 1.54×
• Total profit: $19,419
• Equity at exit: $11,154

Cash invested: $36,120 (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 29150

• Rents YoY: 2.5%
• Active inventory: 376
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,483 medium
• Mortgage (P&I): −$676
• Tax from tax record: −$144 /mo · $1,730/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $297

Break-even live

Break-even rent $1,107

Max offer price $129,000

Occupancy floor 75%

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: $32,250
• Closing costs: $3,870
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-19
   days on market $129,000 Active 44 DOM
2. 2026-06-18
   days on market $129,000 Active 43 DOM
3. 2026-06-17
   days on market $129,000 Active 42 DOM
4. 2026-06-16
   days on market $129,000 Active 41 DOM
5. 2026-06-15
   days on market $129,000 Active 40 DOM
6. 2026-06-14
   days on market $129,000 Active 38 DOM
7. 2026-06-13
   days on market $129,000 Active 37 DOM
8. 2026-06-10
   days on market $129,000 Active 35 DOM
9. 2026-06-09
   days on market $129,000 Active 34 DOM
10. 2026-06-08
    days on market $129,000 Active 33 DOM
11. 2026-06-07
    days on market $129,000 Active 32 DOM
12. 2026-06-02
    days on market $129,000 Active 27 DOM
13. 2026-06-01
    days on market $129,000 Active 26 DOM
14. 2026-05-31
    days on market $129,000 Active 25 DOM
15. 2026-05-30
    days on market $129,000 Active 24 DOM
16. 2026-05-21
    price $129,000
17. 2026-05-15
    status Active
18. 2026-05-01
    status Pending
19. 2026-04-22
    listed $130,000 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 SC · Resets to sale price

• Current annual tax: $1,730 · $144/mo
• Projected year-2 tax: $1,730 · $144/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,797
• − Mortgage interest: −$7,226
• − Property taxes: −$1,730
• − Insurance: −$645
• − Repairs & maintenance: −$1,424
• − Management: −$1,424
• − Depreciation: −$3,753
• Taxable income: $1,596
• Est. tax owed @ 24.0%: −$383
• After-tax cash flow: $3,184/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: Sumter 01
• NCES district ID: 4503902
• Math proficiency: 18% ▼ -13.00%
• Reading proficiency: 28% ▼ -6.00%
• Median HH income: $40,423
• Composite: 19.45/100
• National rank: #8775
• State rank: #64 of 80 in SC

Livability — Sumter

• Score: 59/100
• State rank: #235
• US rank: #19754

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sumter, SC
• County: Sumter County · 76,912 people
• City population: 67,992
• Metro: Sumter, SC
• Population (ZIP): 38,538
• Household income: $50,965
• Rent vs Own: 40.4% rent · 59.6% own
• Severe rent burden: 1136.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 104,585 people
• By 2030: 102,282 · -2.2%
• By 2040: 96,258 · -8.0%
• By 2050: 89,592 · -14.3%
• By 2075: 74,715 · -28.6%
• By 2100: 60,235 · -42.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Black 50% White 39% Hispanic / Latino 5% Two or more races 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Italian 1%
• Foreign-born: 4% · Canada, China, Vietnam
• Languages at home: 93% English-only · Spanish 4% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Sumter

• 2024 margin: Toss-up / Even · D 51.9% · R 47.0% · Other 1.2%
• 2008→2024 swing: -10.6pp toward R · 2008: 15.4pp · 2024: 4.9pp
• All cycles: 2024: D+4.9 2020: D+13.0 2016: D+12.0 2012: D+17.5 2008: D+15.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -100.16%
• Current HPI: 129.032
• Rent YoY: ▲ 2.55%
• Metro: Sumter, SC
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B

Price history

-0.8% since first listed

4 events — show timeline

• 2026-05-21 Price Changed $129,000 SBOR
• 2026-05-15 Relisted — SBOR
• 2026-05-01 Pending — SBOR
• 2026-04-22 Listed $130,000 SBOR

Property tax history

+1.1%/yr

Latest (2025): $1,730 · +1.8% YoY. Source: county tax records.