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C Composite 59.29
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 +17.6/30.0
  • ARV discount +15.0/15.0
  • DSCR +5.5/10.0
  • Appreciation +5.0/10.0
  • 1% rule +4.0/10.0
  • Schools +3.6/10.0
  • Livability +3.5/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$255,000

102 Fallstaff Rd · Blythewood, SC 29229-8067
4 bd · 3.0 ba · 2,520 sqft · SingleFamily public records · 71 Days on market
Built 2005 0.39 ac lot Est $345k · 26% under $35/mo HOA · 2% of rent ↓ 4% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Welcome to your new home! charming 5-bedroom, 3-bathroom home provides ample space and comfort, ideal for families seeking a cozy retreat. Nestled on a cul-de-sac, the property boasts a spacious backyard, perfect for outdoor gatherings and recreational activities. The second level of the home is where you'll find the generously sized bedrooms and bathrooms. The master suite is a tranquil retreat, providing a private oasis to unwind after a long day. Four additional bedrooms provide plenty of space for family members or guests. Being sold as-is in, presents an excellent opportunity for buyers to add their personal touch and make it their own. Don't miss out on the chance to call this wonderf

Key facts

  • Spacious backyard
  • Peaceful cul-de-sac
  • Private oasis

Tags

SPACIOUS BACKYARDPEACEFUL CUL-DE-SACGENEROUSLY SIZED BEDROOMSPRIVATE OASIS

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 $255k.

Deal economics

  • At list price, monthly cash flow is $202 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (9.7% below list).
  • Recommended offer: $230k (9.7% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 70/100 on livability (#58 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, health & safety F.
  • Richland 02 (suburban): math 35% / reading 47% proficiency, ranked #29 of 80 in SC (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Sandlapper Elementary (math 30% / reading 34%, grade F, #369 of 597 statewide, top 64%, 656 students, 71% FRL); Westwood High (math 47% / reading 87%, grade B, #73 of 196 statewide, top 41%, 1,684 students, 66% FRL) — zoned schools average 69% FRL vs 38% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 1 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).

Forward outlook

  • In year one you build about $9k of equity ($2k loan paydown + $8k appreciation (3.0% local appreciation)).
  • Richland County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (3.0% appreciation + 3.0% rent growth), your $71k cash investment doubles in ~6 years — after that, you're playing with house money.
  • By year 4, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 71 days — a 6% lower offer ($240k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago; this cycle's ask has dropped $40k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 63% 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 $230,161 (9.7% below list)

Questions for the listing agent

  1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  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
0.90%
Cap rate
7.24%
Cash-on-cash
3.40%
DSCR
1.15
GRM
9.2

CMA / ARV

ARV (on-the-fly)
$345,240
Comps found
1
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
533 Long Pine Dr 0.67mi 4/2.5 2,448 (-3%) 23mo $335,000 $137 43

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
10.7%
Equity multiple
1.61×
Total profit
$43,534
Equity at exit
$114,659
10-year hold
IRR
12.9%
Equity multiple
2.92×
Total profit
$136,904
Equity at exit
$176,703

Cash invested: $71,400 (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.

ZIP-level market 29229-8067

Active inventory
1
Price-to-rent
9.2×

Monthly cashflow live

Estimated rent
$2,302 high interval (Pro) →
Mortgage (P&I)
$1,337
Tax from tax record
$138 /mo · $1,652/yr
Insurance
$106
HOA
$35
Vacancy / Maint / Mgmt
$483
Net cashflow
$202

Break-even live

Break-even rent $2,046
Max offer price $255,000
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
$63,750
Closing costs
$7,650
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 8 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
13 Coral Ct Columbia, SC 5.0 2.5 2424 $2,469 $1.02 23d 1 0.79mi
429 Buttonbush Ct Columbia, SC 4.0 2.5 2715 $1,995 $0.73 2d 1 0.81mi
830 Wing Stripe Ct Columbia, SC 5.0 3.5 3044 $2,395 $0.79 3d 1 0.84mi
2108 Wilkinson Dr Columbia, SC 4.0 2.5 2181 $2,139 $0.98 2d 1 0.98mi
221 Meyer Ln Columbia, SC 4.0 3.5 2184 $2,349 $1.08 14d 1 1.07mi
669 Pine Lilly Dr Columbia, SC 4.0 2.5 2912 $2,595 $0.89 23d 1 1.09mi
5 Glendevon Ct Columbia, SC 5.0 2.5 2050 $2,500 $1.22 23d 1 1.38mi
412 Killian Green Dr Columbia, SC 3.0 2.5 2280 $1,999 $0.88 11d 1 1.46mi

HOA detail

Monthly dues
$35 · $420/yr

Listing history 12 events

  1. 2026-01-02
    status Pending
  2. 2026-01-01
    historical
  3. 2025-10-14
    status Pending
  4. 2025-10-12
    price $255,000
  5. 2025-10-07
    price $225,000
  6. 2025-09-30
    price $235,000
  7. 2025-09-19
    price $245,000
  8. 2025-09-19
    status Active
  9. 2025-09-02
    price $235,000
  10. 2025-07-18
    listed $295,000 Active
  11. 2024-04-02
    historical Active - Contingent
  12. 2024-03-04
    listed $265,000 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
$1,652 · $138/mo
Projected year-2 tax
$1,652 · $138/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 1/10 Low
  • 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 63% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
$27,619
− Mortgage interest
−$14,284
− Property taxes
−$1,652
− Insurance
−$1,275
− Repairs & maintenance
−$2,210
− Management
−$2,210
− HOA
−$420
− Depreciation
−$7,418
Taxable loss
−$1,849
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$444
After-tax cash flow
$2,869/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
Richland 02
NCES district ID
4503390
Math proficiency
35% ▼ -15.00%
Reading proficiency
47% ▼ -5.00%
Median HH income
$59,684
Composite
36.2/100
National rank
#4730
State rank
#29 of 80 in SC

Livability — Blythewood

Score
70/100
State rank
#58
US rank
#7406

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

No demographic data for this ZIP.

Market trends

HPI YoY
Current HPI
Rent YoY
Metro
State GDP YoY
▲ 4.51%
F500 in state
2

Industry mix (Fortune 500 HQ in SC)

Industry F500 HQs Revenue

Price history

-3.8% since first listed
12 events — show timeline
  • 2026-01-02 Pending Consolidated MLS
  • 2026-01-01 Delisted Consolidated MLS
  • 2025-10-14 Pending Consolidated MLS
  • 2025-10-12 Price Changed $255,000 Consolidated MLS
  • 2025-10-07 Price Changed $225,000 Consolidated MLS
  • 2025-09-30 Price Changed $235,000 Consolidated MLS
  • 2025-09-19 Price Changed $245,000 Consolidated MLS
  • 2025-09-19 Relisted Consolidated MLS
  • 2025-09-02 Price Changed $235,000 Consolidated MLS
  • 2025-07-18 Listed $295,000 Consolidated MLS
  • 2024-04-02 Contingent Consolidated MLS
  • 2024-03-04 Listed $265,000 Consolidated MLS

Property tax history

+3.2%/yr

Latest (2025): $1,652 · +3.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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