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10810 N 91 Ave #96
B Composite 74.74
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 +30.0/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Livability +3.8/5.0
  • Condition / age +3.8/5.0
  • Schools +3.5/10.0
  • Rent growth +2.7/5.0
  • Appreciation +2.5/10.0
  • Manufactured-home adj. -6.5

$39,000

10810 N 91 Ave #96 · Peoria, AZ 85345
3 bd · 1.0 ba · 780 sqft · Manufactured · 59 Days on market
Manufactured home Built 1973 Good condition $50/sqft · 48% below area Est $75k · 48% under ↓ 17% since listing

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

Listing remarks

Great starter home. Beautifully done with a French look kitchen style. Large living/family room. Extended covered patio for your cookouts. Cement parking slab. All ages community offers a pool, dog park, fitness center and club house. Close to shopping, entertainment, and schools. A couple of blocks to the 101 Fwy and 60 Hwy for easy commute. Awesome area! * There is a rent with option to buy. Ask your agent.

Key facts

  • Dog park
  • Fitness center
  • Cement parking slab

Tags

FRENCH LOOK KITCHENEXTENDED COVERED PATIOCEMENT PARKING SLABPOOLDOG PARKFITNESS CENTER

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath manufactured listed at $39k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $739 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $39k).
  • Recommended offer: $38k (3.0% below list) — sets the bar for market timing.
  • Cap rate 29.0% vs local median 3.3% in Peoria — 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 76/100 on livability (#14 in AZ, #3,603 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, commute A, employment A; Watch: cost of living C-, amenities D, health & safety F.
  • Peoria Unified School District (4237) (suburban): math 36% / reading 42% proficiency, ranked #64 of 249 in AZ (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Cheyenne Elementary School (math 26% / reading 31%, grade F, #580 of 1,109 statewide, top 53%, 598 students, 72% FRL); Sunrise Mountain High School (math 43% / reading 41%, grade F, #67 of 381 statewide, top 17%, 2,018 students, 15% FRL).
  • Market conditions: Rents flat; 410 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals lingering (median 34d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 36,011 units permitted in Maricopa County in 2024 (12,801 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $270 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
  • Maricopa County population projected at +38% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 0.6% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 59 days — a 3% lower offer ($38k) is reasonable based on typical stale-listing flexibility.
  • 4 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: moderate flood risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $37,830 (3.0% below list)

Questions for the listing agent

  1. It's been on market 59 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 1973 — 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 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?
  5. 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.
  6. 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.
  7. 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
3.27%
Cap rate
29.04%
Cash-on-cash
81.26%
DSCR
4.62
GRM
2.5

CMA / ARV

ARV (median comp)
$75,349
List price
$39,000
Delta
-24.35%
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
11411 N 91st Ave #28 0.36mi 2/1.0 (-1) 812 (+4%) 5mo $27,750 $34 67
10810 N 91st Ave #45 0.07mi 3/2.0 896 (+15%) 4mo $80,000 $89 64
11000 N 91st Ave #49 0.08mi 2/2.0 (-1) 896 (+15%) 0mo $64,900 $72 62
11411 N 91st Ave #51 0.38mi 2/2.0 (-1) 792 (+2%) 18mo $44,000 $56 56
10951 N 91st Ave #127 0.25mi 2/2.0 (-1) 850 (+9%) 15mo $115,000 $135 52
10701 N 99th Ave #178 0.64mi 2/1.0 (-1) 840 (+8%) 2mo $15,000 $18 51
10951 N 91st Ave #43 0.23mi 2/2.0 (-1) 866 (+11%) 16mo $105,000 $121 49
10701 N 99th Ave #65 0.72mi 2/2.0 (-1) 796 (+2%) 7mo $55,000 $69 48
10951 N 91st Ave #224 0.44mi 2/2.0 (-1) 840 (+8%) 11mo $40,000 $48 48
10701 N 99 Ave #128 0.64mi 2/2.0 (-1) 792 (+2%) 19mo $39,500 $50 43
10701 N 99th Ave #90 0.64mi 2/2.0 (-1) 796 (+2%) 18mo $45,500 $57 43
10951 N 91st Ave #232 0.44mi 2/1.0 (-1) 896 (+15%) 15mo $64,375 $72 37

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 · 0.62% rent growth · sell at horizon

5-year hold
IRR
78.8%
Equity multiple
4.46×
Total profit
$37,807
Equity at exit
$5,815
10-year hold
IRR
81.7%
Equity multiple
8.50×
Total profit
$81,954
Equity at exit
$3,372

Cash invested: $10,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Arizona
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
14 active · 4 under contract
Months of supply
12.0 mo (8%/mo absorbed)
Median asking
$47,000 ($57/sqft)
Median days on market
57 d
This list price
36% of active listings are priced below it
ARV vs active asking
+69.6% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 85345

Home prices YoY
-19.8%
Rents YoY
0.6%
Active inventory
410
Price-to-rent
2.5×

Monthly cashflow live

Estimated rent
$1,277 high interval (Pro) →
Mortgage (P&I)
$205
Tax est. 1.5%
$49 /mo · $585/yr
Insurance
$16
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$268
Net cashflow
$739

Break-even live

Break-even rent $341
Max offer price $39,000
Occupancy floor 37%

Sensitivity live

Price -10% $766 -5% $753 +0% $739 +5% $726 +10% $712
Rent -10% $639 -5% $689 +0% $739 +5% $790 +10% $840
Rate -1.0pp $759 -0.5pp $749 base $739 +0.5pp $729 +1.0pp $719

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
$9,750
Closing costs
$1,170
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 26 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
9248 W Mescal St Peoria, AZ 2.0 1.0 847 $1,435 $1.69 18d 1 0.13mi
9248 W Mescal St Peoria, AZ 2.0 1.0 847 $1,435 $1.69 21d 1 0.13mi
11411 N 91st Ave Unit 213 Peoria, AZ 2.0 2.0 858 $1,399 $1.63 73d 1 0.34mi
8821 W Sahuaro Dr Peoria, AZ 3.0 2.0 1074 $1,595 $1.49 73d 1 0.52mi
8821 W Sahuaro Dr Peoria, AZ 3.0 2.0 1074 $1,595 $1.49 52d 1 0.52mi
8821 W Sahuaro Dr Peoria, AZ 3.0 2.0 1074 $1,695 $1.58 48d 1 0.52mi
10701 N 99th Ave Unit 230 Peoria, AZ 2.0 2.0 784 $1,099 $1.40 69d 1 0.63mi
8757 W Peoria Ave Peoria, AZ 2.0 1.0 985 $1,539 $1.56 9d 15 0.65mi
9911 N 95th Dr Unit B Peoria, AZ 2.0 1.5 1072 $1,500 $1.40 2d 1 0.75mi
8650 W Peoria Ave Peoria, AZ 1.0–2.0 1.0–2.0 836 $1,524 $1.82 0d 14 0.76mi
10104 N 96th Dr Unit A Peoria, AZ 2.0 2.0 1072 $1,750 $1.63 73d 1 0.76mi
10860 N 85th Ave Unit 62 Peoria, AZ 2.0 1.0 780 $1,250 $1.60 42d 1 0.82mi
8560 W Peoria Ave Peoria, AZ 2.0 1.0 888 $1,349 $1.52 21d 8 0.84mi
10110 N 97th Dr Unit A Peoria, AZ 2.0 1.5 1025 $1,500 $1.46 0d 1 0.84mi
10860 N 85th Ave Peoria, AZ 2.0 1.0 780 $1,225 $1.57 93d 1 0.86mi
10860 N 85th Ave Peoria, AZ 1.0–2.0 1.0 630 $1,350 $2.14 21d 1 0.86mi
10860 N 85th Ave Unit 87 Peoria, AZ 2.0 1.0 780 $1,149 $1.47 54d 1 0.87mi
10860 N 85th Ave Unit 16 Peoria, AZ 2.0 1.0 780 $1,225 $1.57 23d 1 0.88mi
10822 N Balboa Dr Sun City, AZ 2.0 1.0 942 $3,000 $3.18 73d 1 0.96mi
8940 W Olive Ave #70 Peoria, AZ 2.0 2.0 1022 $1,600 $1.57 34d 1 1.11mi
12751 N Plaza Del Rio Blvd Peoria, AZ 1.0–2.0 1.0–2.0 1007 $1,795 $1.78 0d 9 1.11mi
8940 W Olive Ave Peoria, AZ 2.0 2.0 897 $1,400 $1.56 66d 1 1.20mi
9680 W Olive Ave Peoria, AZ 1.0–3.0 1.5–2.0 945 $1,799 $1.90 2d 8 1.22mi
8280 W Madison St Peoria, AZ 2.0 2.0 800 $1,400 $1.75 93d 1 1.26mi
9625 W Olive Ave Peoria, AZ 1.0–3.0 1.0–3.0 1485 $2,799 $1.88 0d 8 1.41mi
8165 W Whitney Dr Peoria, AZ 1.0–2.0 1.0–2.0 911 $2,224 $2.44 0d 206 1.46mi

Property features AI

Finance

HOA & community
Land lease of $1,000 monthlyNo association fees includedCommunity poolOn-site fitness centerNear bus stop

Exterior

Parking
2 open parking spaces
Utilities
City waterPublic sewer
Home design
Manufactured/mobile homeFee simple ownership
Construction
Wood frame constructionPainted exteriorFoam roof
Exterior features
Shed(s)Dirt backyardSynthetic grass in frontPrivate maintained roadAsphalt road access

Interior

Kitchen
Refrigerator
Bedrooms
3 bedrooms
Flooring
Laminate flooring
Bathrooms
1 full bathroom
Heating & cooling
Electric heatingCentral air conditioning
Interior features
Eat-in kitchenRefrigerator
Laundry & utility
Washer/dryer hookup only

Listing history 50 events

  1. 2026-08-08
    days on market $39,000 Active 59 DOM
  2. 2026-08-06
    days on market $39,000 Active 57 DOM
  3. 2026-08-05
    days on market $39,000 Active 56 DOM
  4. 2026-08-04
    days on market $39,000 Active 55 DOM
  5. 2026-08-03
    days on market $39,000 Active 54 DOM
  6. 2026-07-31
    days on market $39,000 Active 51 DOM
  7. 2026-07-30
    days on market $39,000 Active 49 DOM
  8. 2026-07-28
    days on market $39,000 Active 48 DOM
  9. 2026-07-26
    days on market $39,000 Active 46 DOM
  10. 2026-07-24
    days on market $39,000 Active 44 DOM
  11. 2026-07-23
    days on market $39,000 Active 43 DOM
  12. 2026-07-22
    days on market $39,000 Active 42 DOM
  13. 2026-07-21
    days on market $39,000 Active 41 DOM
  14. 2026-07-20
    days on market $39,000 Active 40 DOM
  15. 2026-07-18
    days on market $39,000 Active 38 DOM
  16. 2026-07-18
    days on market $39,000 Active 37 DOM
  17. 2026-07-16
    days on market $39,000 Active 36 DOM
  18. 2026-07-15
    days on market $39,000 Active 35 DOM
  19. 2026-07-14
    days on market $39,000 Active 34 DOM
  20. 2026-07-13
    days on market $39,000 Active 33 DOM
  21. 2026-07-13
    days on market $39,000 Active 32 DOM
  22. 2026-07-11
    days on market $39,000 Active 31 DOM
  23. 2026-07-10
    days on market $39,000 Active 30 DOM
  24. 2026-07-09
    days on market $39,000 Active 29 DOM
  25. 2026-07-07
    days on market $39,000 Active 27 DOM
  26. 2026-07-06
    days on market $39,000 Active 26 DOM
  27. 2026-07-06
    days on market $39,000 Active 25 DOM
  28. 2026-07-05
    days on market $39,000 Active 24 DOM
  29. 2026-07-03
    days on market $39,000 Active 23 DOM
  30. 2026-07-02
    days on market $39,000 Active 22 DOM
  31. 2026-07-01
    days on market $39,000 Active 21 DOM
  32. 2026-06-30
    days on market $39,000 Active 20 DOM
  33. 2026-06-29
    days on market $39,000 Active 19 DOM
  34. 2026-06-28
    days on market $39,000 Active 18 DOM
  35. 2026-06-27
    days on market $39,000 Active 17 DOM
  36. 2026-06-26
    days on market $39,000 Active 16 DOM
  37. 2026-06-24
    days on market $39,000 Active 14 DOM
  38. 2026-06-22
    days on market $39,000 Active 12 DOM
  39. 2026-06-21
    days on market $39,000 Active 11 DOM
  40. 2026-06-18
    days on market $39,000 Active 8 DOM
  41. 2026-06-17
    days on market $39,000 Active 7 DOM
  42. 2026-06-16
    days on market $39,000 Active 6 DOM
  43. 2026-06-15
    days on market $39,000 Active 5 DOM
  44. 2026-06-13
    days on market $39,000 Active 3 DOM
  45. 2026-06-13
    pricedays on marketlisting id $39,000 Active 2 DOM
  46. 2026-05-31
    days on market $57,000 Active 102 DOM
  47. 2026-02-16
    listed $57,000 Active 421-char remark
  48. 2025-08-31
    historical
  49. 2025-07-29
    price $50,000
  50. 2025-05-21
    listed $52,000 Active

ⓘ 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 5/10 Major FEMA zone X (shaded) · 27% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥113°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 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
$15,326
− Mortgage interest
−$2,185
− Property taxes
−$585
− Insurance
−$195
− Repairs & maintenance
−$1,226
− Management
−$1,226
− Depreciation
−$1,135
Taxable income
$8,775
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,106
After-tax cash flow
$6,767/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.

Condition & rehab AI · 12 photos

Good 75/100 Cosmetic rehab Est. rehab $3,900–$11,700 screening

This manufactured home is in good condition with cosmetic updates, making it a great starter home in a desirable location.

Value-add opportunities

  • Resale Paint exterior siding — Enhances curb appeal and value
  • Rental Replace window blinds — Improves energy efficiency and comfort

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 35/100

Zoned Schools

Elementary Cheyenne Elementary School F AZ #580/1,109 Nat'l #28,012/41,679 High Sunrise Mountain High School F AZ #67/381 Nat'l #7,572/17,239

Schools (NCES district)

District
Peoria Unified School District (4237)
NCES district ID
0406250
Math proficiency
36% ▼ -14.00%
Reading proficiency
42% ▼ -8.00%
Median HH income
$60,171
Composite
34.62/100
National rank
#5152
State rank
#64 of 249 in AZ
B Composite livability gradescore 76/100

Livability — Peoria

Score
76/100
State rank
#14
US rank
#3603

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Peoria, AZ
County
Maricopa County · 4,979,203 people
City population
206,687
Metro
Phoenix-Mesa-Chandler, AZ
Population (ZIP)
60,918
Household income
$67,380
Rent vs Own
33.5% rent · 66.5% own
Severe rent burden
16% of renters

Population outlook (Maricopa County) Hauer SSP2

Today (2025)
4,979,203 people
By 2030
5,378,229 · +8.0%
By 2040
6,156,598 · +23.6%
By 2050
6,872,376 · +38.0%
By 2075
8,401,270 · +68.7%
By 2100
9,247,439 · +85.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.62)
Race & ethnicity
White 51% Hispanic / Latino 34% Two or more races 14% Black 5% Asian 4% Native American 2%
Hispanic origin (detail)
Mexican 29%
Common ancestry
Romanian 2% Italian 2% Slovak 1%
Foreign-born
13% · Canada, Vietnam
Languages at home
76% English-only · Spanish 18% Other Indo-European 1% Vietnamese 1%

Political lean MEDSL · Maricopa

2024 margin
Toss-up / Even · D 47.7% · R 51.2% · Other 1.1%
2008→2024 swing
+7.1pp toward D · 2008: -10.6pp · 2024: -3.5pp
All cycles
2024: R+3.5 2020: D+2.2 2016: R+3.5 2012: R+12.0 2008: R+10.6

Not yet ingested

Civics

Price history

-17.0% since first listed
8 events — show timeline
  • 2026-06-04 Listed $39,000 ARMLS
  • 2026-06-01 Listing Removed ARMLS
  • 2026-02-16 Listed $57,000 ARMLS
  • 2025-08-31 Listing Removed ARMLS
  • 2025-07-29 Price Changed $50,000 ARMLS
  • 2025-05-21 Listed $52,000 ARMLS
  • 2025-03-24 Listing Removed ARMLS
  • 2025-02-25 Listed $47,000 ARMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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