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D Composite 43.06
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).

  • Cash flow +15.0/30.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Schools +3.1/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$17,000

8853 Highway 263 · Fox, AR 72560
2 bd · 1.0 ba · 840 sqft · SingleFamily public records · 15 Days on market
Built 1977 10,019 sqft lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

2 brm 1 bath mobile home on 1/4 acre.

Key facts

  • 0.23 acre lot
  • Built 1977
  • Listed 15 days

Property features AI

Exterior

  • Home design: House
  • Construction: Living area approximately 840
  • Exterior features: Lot of approximately 10,019 sq ft

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 2-bed/1.0-bath single-family listed at $17k.

Deal economics

  • At list price, monthly cash flow is $552 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($847 rent vs $17k).
  • Recommended offer: $17k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • Mountain View School District (rural): math 34% / reading 41% proficiency, ranked #107 of 238 in AR (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 164 active listings in the ZIP; 2 units permitted in Stone County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $118 of loan paydown is wiped out by about $510 of value loss. Plan a longer hold.
  • Stone County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $5k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 15 days — a 2% lower offer ($17k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $16,745 (1.5% below list)

Questions for the listing agent

  1. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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.
  5. 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.
  6. 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
4.99%
Cap rate
45.26%
Cash-on-cash
139.16%
DSCR
7.19
GRM
1.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
Equity multiple
7.81×
Total profit
$32,415
Equity at exit
$2,535
10-year hold
IRR
Equity multiple
16.45×
Total profit
$73,549
Equity at exit
$1,470

Cash invested: $4,760 (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.

ZIP-level market 72560

Home prices YoY
-23.2%
Active inventory
164
Price-to-rent
1.7×

Monthly cashflow live

Estimated rent
$847 medium interval (Pro) →
Mortgage (P&I)
$89
Tax est. 1.5%
$21 /mo · $255/yr
Insurance
$7
HOA
$0
Vacancy / Maint / Mgmt
$178
Net cashflow
$552

Break-even live

Break-even rent $149
Max offer price $17,000
Occupancy floor 30%

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
$4,250
Closing costs
$510
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.

Listing history 12 events

  1. 2026-06-19
    days on market $17,000 Active 15 DOM
  2. 2026-06-18
    days on market $17,000 Active 14 DOM
  3. 2026-06-17
    days on market $17,000 Active 13 DOM
  4. 2026-06-16
    days on market $17,000 Active 12 DOM
  5. 2026-06-15
    days on market $17,000 Active 11 DOM
  6. 2026-06-14
    days on market $17,000 Active 9 DOM
  7. 2026-06-12
    days on market $17,000 Active 8 DOM
  8. 2026-06-09
    days on market $17,000 Active 5 DOM
  9. 2026-06-08
    days on market $17,000 Active 4 DOM
  10. 2026-06-07
    days on market $17,000 Active 3 DOM
  11. 2026-06-07
    remarks 37-char remark
  12. 2026-06-07
    listed $17,000 Active 2 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 · 0% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 3/10 Moderate 7% 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
$10,169
− Mortgage interest
−$952
− Property taxes
−$255
− Insurance
−$85
− Repairs & maintenance
−$814
− Management
−$814
− Depreciation
−$495
Taxable income
$6,755
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,621
After-tax cash flow
$5,003/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
Mountain View School District
NCES district ID
0510200
Math proficiency
34% ▼ -20.00%
Reading proficiency
41% ▼ -13.00%
Median HH income
$31,281
Composite
30.61/100
National rank
#6192
State rank
#107 of 238 in AR

Livability — Fox

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

City population
604
Population (ZIP)
7,650

Population outlook (Stone County) Hauer SSP2

Today (2025)
12,440 people
By 2030
12,372 · -0.5%
By 2040
12,081 · -2.9%
By 2050
11,628 · -6.5%
By 2075
10,863 · -12.7%
By 2100
9,420 · -24.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (89%)
Race & ethnicity
White 89% Two or more races 6% Hispanic / Latino 3% Native American 1%
Common ancestry
Slovak 4% Iranian 3% Lithuanian 1%
Foreign-born
1% · Canada
Languages at home
97% English-only · German/W. Germanic 2% Spanish 1%

Political lean MEDSL · Stone

2024 margin
Solid R (+61.7) · D 18.1% · R 79.7% · Other 2.2%
2008→2024 swing
-25.3pp toward R · 2008: -36.4pp · 2024: -61.7pp
All cycles
2024: R+61.7 2020: R+57.9 2016: R+52.3 2012: R+45.2 2008: R+36.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -48.20%
Current HPI
159.8996
Rent YoY
Metro
State GDP YoY
▲ 3.80%
F500 in state
10

Industry mix (Fortune 500 HQ in AR)

Industry F500 HQs Revenue

Price history

+1600.0% since first listed
3 events — show timeline
  • 2026-06-04 Listed $17,000 ForSaleByOwner.com
  • 2024-03-15 Sold (Public Records) $15,350 Public Records
  • 1982-01-07 Sold (Public Records) $1,000 Public Records

Property tax history

-13.8%/yr

Latest (2023): $17 · +0.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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