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D Composite 40.98
Why this score? — see what drove the D 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).

  • ARV discount +15.0/15.0
  • Cash flow +8.6/30.0
  • Schools +4.0/10.0
  • Rent growth +3.9/5.0
  • Livability +3.4/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.4/10.0
  • 1% rule +1.3/10.0
  • Appreciation +0.0/10.0

$567,490

2328 Kaufman Ln · Woodland, CA 95776
4 bd · 3.0 ba · 2,117 sqft · SingleFamily · 31 Days on market
Built 2026 $268/sqft · 23% below area Est $739k · 23% under

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

Listing remarks

This new two-story home is host to an inviting open-concept layout on the first floor, with a convenient bedroom and full bathroom tucked away in a private rear corner. Three additional bedrooms make up the second floor, including the luxurious owner's suite with a full bathroom and walk-in closet. A two-bay garage at the back of the home is perfect for any parking or storage needs.

Key facts

  • 2 garage spots
  • Built 2026
  • Listed 31 days

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 4-bed/3.0-bath single-family listed at $567k.

Deal economics

  • At list price, monthly cash flow is $-490 ($-6k/yr) — negative.
  • To cash-flow at today's rent, offer at most $481k (15.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $359k (36.7% below list).
  • Recommended offer: $359k (36.7% below list) — sets the bar for 1% rule.
  • Cap rate 5.3% vs local median 3.4% in Woodland — 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 67/100 on livability (#314 in CA) — a middle-class / working-renter tenant base. Strengths: employment A, housing A; Watch: amenities C-, cost of living F.
  • Woodland Joint Unified (suburban): math 34% / reading 58% proficiency, ranked #171 of 517 in CA (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Ramon S. Tafoya Elementary (784 students, 76% FRL); Douglass Middle (808 students, 76% FRL); Pioneer High (math 40% / reading 62%, grade D+, #319 of 1,170 statewide, top 28%, 1,635 students, 71% FRL) — zoned schools average 74% FRL vs 54% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising fast (+5.4%/yr); 99 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 721 units permitted in Yolo County in 2024 (260 in 5+ unit buildings).
  • This rent runs 40% of the median local income ($107k/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 $4k of loan paydown is wiped out by about $17k of value loss. Plan a longer hold.
  • Yolo County population projected at +31% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 31 days — a 3% lower offer ($550k) is reasonable based on typical stale-listing flexibility.
Recommended offer $358,998 (36.7% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 37% concession, seller financing, or rate buy-down credit?
  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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  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
0.63%
Cap rate
5.26%
Cash-on-cash
-3.70%
DSCR
0.84
GRM
13.2

CMA / ARV

ARV (median comp)
$738,691
List price
$567,490
Delta
-23.18%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2340 Kaufman Ct 0.03mi 4/3.0 2,117 (0%) 1mo $557,490 $263 98
2336 Dahler Ct 0.04mi 3/2.5 (-1) 1,943 (-8%) 2mo $530,000 $273 76
2316 Dahler Ln 0.03mi 3/2.5 (-1) 1,943 (-8%) 3mo $512,000 $264 75
2004 Shafer Pl 0.55mi 4/3.0 2,119 (+0%) 0mo $700,000 $330 74
2210 Russell Cir 0.13mi 4/2.5 2,347 (+11%) 2mo $750,000 $320 72
2000 Banks Pl 0.54mi 3/3.0 (-1) 2,119 (+0%) 3mo $660,000 $311 67
2132 Hunt St 0.57mi 4/3.0 2,284 (+8%) 0mo $698,000 $306 60
2108 Mcnary Pl 0.65mi 4/3.0 2,250 (+6%) 1mo $675,000 $300 59
2000 Hunt St 0.67mi 4/3.0 2,284 (+8%) 3mo $670,000 $293 54
1920 Campos Ave 0.56mi 3/2.0 (-1) 1,975 (-7%) 3mo $650,000 $329 51
2784 Shoemaker Ct 0.64mi 3/2.0 (-1) 1,975 (-7%) 2mo $615,000 $311 48
2100 Soza Pl 0.74mi 4/3.0 1,856 (-12%) 1mo $645,000 $348 44

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 · 5.4% rent growth · sell at horizon

5-year hold
IRR
-20.4%
Equity multiple
0.28×
Total profit
$-114,576
Equity at exit
$84,615
10-year hold
IRR
-9.7%
Equity multiple
0.35×
Total profit
$-102,930
Equity at exit
$49,066

Cash invested: $158,897 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 95776

Home prices YoY
-30.2%
Rents YoY
5.4%
Active inventory
99
Price-to-rent
13.2×

Monthly cashflow live

Estimated rent
$3,590 high interval (Pro) →
Mortgage (P&I)
$2,976
Tax from tax record
$113 /mo · $1,359/yr
Insurance
$236
HOA
$0
Vacancy / Maint / Mgmt
$754
Net cashflow
$-490

Break-even live

Break-even rent $4,210
Max offer price $481,001
Occupancy floor

Sensitivity live

Price -10% $-168 -5% $-329 +0% $-490 +5% $-650 +10% $-811
Rent -10% $-773 -5% $-631 +0% $-490 +5% $-348 +10% $-206
Rate -1.0pp $-204 -0.5pp $-345 base $-490 +0.5pp $-637 +1.0pp $-786

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
$141,872
Closing costs
$17,025
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 5 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2123 Sieber Dr Woodland, CA 4.0 2.5 1760 $2,900 $1.65 16d 1 0.53mi
2123 Sieber Dr Woodland, CA 4.0 3.0 1760 $3,000 $1.70 19d 1 0.53mi
2121 Millsap Pl Woodland, CA 4.0 3.0 2250 $3,200 $1.42 0d 1 0.61mi
2509 Allen Cir Woodland, CA 3.0 2.5 2043 $3,850 $1.88 6d 1 0.93mi
1573 Osborn Dr Woodland, CA 4.0 3.0 2713 $3,495 $1.29 16d 1 1.20mi

Listing history 2 events

  1. 2026-06-21
    pricestatusdays on market $567,490 Active 31 DOM
  2. 2026-01-09
    soldstatus $595,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$1,359 · $113/mo
Projected year-2 tax
$4,313 · $359/mo
Expected delta
+$2,954/yr (+$246/mo · 217.4%)

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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$43,080
− Mortgage interest
−$31,788
− Property taxes
−$1,359
− Insurance
−$2,837
− Repairs & maintenance
−$3,446
− Management
−$3,446
− Depreciation
−$16,509
Taxable loss
−$16,306
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,914
After-tax cash flow
$-1,962/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
Woodland Joint Unified
NCES district ID
0643080
Math proficiency
34% ▲ 6.00%
Reading proficiency
58% ▲ 15.00%
Median HH income
$57,556
Composite
40.1/100
National rank
#3803
State rank
#171 of 517 in CA

Livability — Woodland

Score
67/100
State rank
#314
US rank
#10682

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Woodland, CA
County
Yolo County · 212,115 people
City population
66,420
Metro
Sacramento-Roseville-Folsom, CA
Population (ZIP)
28,718
Household income
$106,698
Rent vs Own
31.9% rent · 68.1% own
Severe rent burden
654.0

Population outlook (Yolo County) Hauer SSP2

Today (2025)
242,183 people
By 2030
257,662 · +6.4%
By 2040
288,050 · +18.9%
By 2050
318,202 · +31.4%
By 2075
392,736 · +62.2%
By 2100
438,150 · +80.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.67)
Race & ethnicity
Hispanic / Latino 46% White 32% Two or more races 20% Asian 13% Black 2%
Hispanic origin (detail)
Mexican 43%
Common ancestry
Italian 3% Scotch-Irish 2% Lithuanian 1%
Foreign-born
25% · Canada, China, South Korea
Languages at home
57% English-only · Spanish 31% Other Indo-European 7% Chinese 2%

Political lean MEDSL · Yolo

2024 margin
Solid D (+36.2) · D 66.3% · R 30.1% · Other 3.6%
2008→2024 swing
0.0pp no change · 2008: 36.2pp · 2024: 36.2pp
All cycles
2024: D+36.2 2020: D+41.4 2016: D+42.0 2012: D+33.2 2008: D+36.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -119.41%
Current HPI
276.202
Rent YoY
▲ 5.40%
Metro
Sacramento-Roseville-Folsom, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

1 event — show timeline
  • 2026-01-09 Sold (Public Records) $595,500 Public Records

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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