3520 Lena Ln · Jacksonville, AR 72076

$100,000

3 bd · 2.0 ba · 1,064 sqft · Manufactured public records · 134 Days on market

Built 1983 3.74 ac lot $94/sqft · 43% above area Est $70k · 43% over ↓ 20% since listing

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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 +27.9/30.0
• DSCR +9.9/10.0
• 1% rule +7.7/10.0
• Rent growth +3.3/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for land with options? This 3.74-acre multi-lot package in Jacksonville offers flexibility that’s hard to find at this price point. Located on Lena Lane and Grace Lane, the property includes 11 separately parceled lots, creating opportunity for a private setup, long-term investment hold, or future plans—subject to septic approval and buyer verification. A 3-bedroom mobile home is already on site and connected to utilities and septic, providing a starting point for renovation, rental potential, or interim use. The home is being sold as-is and will require repairs, making this ideal for cash or conventional buyers seeking value. With mostly level ground and natural surroundings, this Jacksonville property presents a rare chance to control multiple parcels for $100,000 and shape the possibilities over time.

Key facts

• Private homestead
• Adjoining lots
• Mobile home on-site

Tags

• MULTI-LOT PACKAGE
• PRIVATE HOMESTEAD
• MOBILE HOME ON-SITE
• OPTION TO RENOVATE
• ADJOINING LOTS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $100k.

Deal economics

• At list price, monthly cash flow is $309 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.0% vs local median 5.0% in Jacksonville — 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 61/100 on livability (#231 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime F, amenities F.
• Jacksonville North Pulaski School District (suburban): math 18% / reading 20% proficiency, ranked #211 of 238 in AR (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.1%/yr); 155 active listings in the ZIP; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.1% rent growth), your $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 134 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 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

• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $88,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 134 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 F-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: 1.27% ✓
• Cap rate: 10.00%
• Cash-on-cash: 13.25%
• DSCR: 1.59
• GRM: 6.6

CMA / ARV

• ARV (median comp): $69,995
• List price: $100,000
• Delta: 42.87%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.07% rent growth · sell at horizon

5-year hold

• IRR: 3.3%
• Equity multiple: 1.13×
• Total profit: $3,589
• Equity at exit: $14,910

10-year hold

• IRR: 12.9%
• Equity multiple: 2.03×
• Total profit: $28,917
• Equity at exit: $8,646

Cash invested: $28,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72076

• Home prices YoY: -30.3%
• Rents YoY: 3.1%
• Active inventory: 155
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,266 medium
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,500/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$266
• Net cashflow: $309

Break-even live

Break-even rent $875

Max offer price $100,000

Occupancy floor 71%

Sensitivity live

Price	-10% $378	-5% $344	+0% $309	+5% $275	+10% $240
Rent	-10% $209	-5% $259	+0% $309	+5% $359	+10% $409
Rate	-1.0pp $359	-0.5pp $335	base $309	+0.5pp $283	+1.0pp $257

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $100,000 Active 134 DOM
2. 2026-06-17
   days on market $100,000 Active 133 DOM
3. 2026-06-16
   days on market $100,000 Active 132 DOM
4. 2026-06-15
   days on market $100,000 Active 131 DOM
5. 2026-06-14
   days on market $100,000 Active 129 DOM
6. 2026-06-13
   days on market $100,000 Active 128 DOM
7. 2026-06-10
   days on market $100,000 Active 126 DOM
8. 2026-06-09
   days on market $100,000 Active 125 DOM
9. 2026-06-08
   days on market $100,000 Active 124 DOM
10. 2026-06-07
    days on market $100,000 Active 123 DOM
11. 2026-06-05
    days on market $100,000 Active 120 DOM
12. 2026-06-03
    days on market $100,000 Active 119 DOM
13. 2026-06-02
    days on market $100,000 Active 118 DOM
14. 2026-06-01
    days on market $100,000 Active 117 DOM
15. 2026-05-31
    days on market $100,000 Active 116 DOM
16. 2026-05-31
    days on market $100,000 Active 115 DOM
17. 2026-02-04
    listed $100,000 New Listing 835-char remark

    Show marketing remark (835 chars)

    Looking for land with options? This 3.74-acre multi-lot package in Jacksonville offers flexibility that’s hard to find at this price point. Located on Lena Lane and Grace Lane, the property includes 11 separately parceled lots, creating opportunity for a private setup, long-term investment hold, or future plans—subject to septic approval and buyer verification. A 3-bedroom mobile home is already on site and connected to utilities and septic, providing a starting point for renovation, rental potential, or interim use. The home is being sold as-is and will require repairs, making this ideal for cash or conventional buyers seeking value. With mostly level ground and natural surroundings, this Jacksonville property presents a rare chance to control multiple parcels for $100,000 and shape the possibilities over time.

18. 2025-12-31
    historical
19. 2025-07-27
    listed $105,000 New Listing
20. 2025-07-27
    historical
21. 2025-04-29
    price $110,000
22. 2025-02-26
    listed $125,000 New Listing

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,192
• − Mortgage interest: −$5,602
• − Property taxes: −$1,500
• − Insurance: −$500
• − Repairs & maintenance: −$1,215
• − Management: −$1,215
• − Depreciation: −$2,909
• Taxable income: $2,251
• Est. tax owed @ 24.0%: −$540
• After-tax cash flow: $3,169/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: Jacksonville North Pulaski School District
• NCES district ID: 0500419
• Math proficiency: 18% ▼ -7.00%
• Reading proficiency: 20% ▼ -5.00%
• Median HH income: $50,869
• Composite: 17.16/100
• National rank: #9110
• State rank: #211 of 238 in AR

Livability — Jacksonville

• Score: 61/100
• State rank: #231
• US rank: #17378

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pulaski County · 372,764 people
• City population: 38,437
• Metro: Little Rock-North Little Rock-Conway, AR
• Population (ZIP): 38,437
• Household income: $54,379
• Rent vs Own: 46.6% rent · 53.4% own
• Severe rent burden: 1733.0

Population outlook (Pulaski County) Hauer SSP2

• Today (2025): 415,378 people
• By 2030: 423,720 · +2.0%
• By 2040: 435,182 · +4.8%
• By 2050: 440,904 · +6.1%
• By 2075: 445,521 · +7.3%
• By 2100: 419,173 · +0.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 47% Black 38% Hispanic / Latino 8% Two or more races 8% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Pulaski

• 2024 margin: Strong D (+22.1) · D 59.8% · R 37.7% · Other 2.5%
• 2008→2024 swing: +10.6pp toward D · 2008: 11.6pp · 2024: 22.1pp
• All cycles: 2024: D+22.1 2020: D+22.5 2016: D+17.9 2012: D+11.4 2008: D+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -87.51%
• Current HPI: 201.6405
• Rent YoY: ▲ 3.07%
• Metro: Little Rock-North Little Rock-Conway, AR
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

-20.0% since first listed

6 events — show timeline

• 2026-02-04 Listed $100,000 CARMLS
• 2025-12-31 Listing Removed — CARMLS
• 2025-07-27 Listing Removed — CARMLS
• 2025-07-27 Listed $105,000 CARMLS
• 2025-04-29 Price Changed $110,000 CARMLS
• 2025-02-26 Listed $125,000 CARMLS

Property tax history

+4.2%/yr

Latest (2025): $155 · +1.5% YoY. Source: county tax records.