3706 Tam O Shanter Dr · Bettendorf, IA 52722

$299,500

5 bd · 2.0 ba · 1,736 sqft · SingleFamily public records · 2 Days on market

Built 1977 8,712 sqft lot Est $307k · at est.

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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 +19.4/30.0
• ARV discount +8.6/15.0
• Schools +6.5/10.0
• DSCR +6.1/10.0
• 1% rule +4.6/10.0
• Livability +4.0/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Mint Condition! - Side level split foyer in convenient Bettendorf location. Features 5 Bedrooms, 2 Baths, attached 2 car garage; lush and lovely fenced yard with concrete patio, storage shed, and circular fire pit area. Brand new main level carpet/interior paint. Nice kitchen remodel w/ added cabinets, quartz countertops, LVP flooring and stainless steel appliances that all stay. Lower Level includes cozy family room; 2 additional bedrooms; bathroom; and spacious laundry/storage area. New roof 2022. Pride of Ownership - make this your new home!

Key facts

• Quartz countertops
• Fenced yard
• Concrete patio

Tags

• FENCED YARD
• CONCRETE PATIO
• STORAGE SHED
• CIRCULAR FIRE PIT AREA
• KITCHEN REMODEL
• QUARTZ COUNTERTOPS

Property features AI

Finance

• Other: Living area reported as estimated; Total finished/unfinshed area reported; upper, main, and lower area breakdown available; Located on lot less than 0.25 acre (dimensions: 71.94 x 119.9 x 70.31 x 122.7)
• HOA & community: No master association fee required

Exterior

• Parking: Attached garage owned (2 garage spaces, 2 total parking spaces)
• Utilities: Public water; Public sewer; Electric with circuit breakers; Cable available
• Home design: Detached single-family home; Split-level / bi-level design; Fee simple ownership
• Construction: Vinyl siding with brick/stone veneer front; Concrete perimeter foundation; Built approximately 41–50 years ago; Property not rebuilt or rehabilitated
• Exterior features: Patio; Fire pit; Fenced yard

Interior

• Kitchen: Range; Microwave; Dishwasher; Refrigerator; Stainless steel appliances
• Bedrooms: 5 bedrooms (Master, Bedroom 2, Bedroom 3 on main level; Bedrooms 4 and 5 on lower level)
• Flooring: Carpet in multiple rooms and bedrooms; Engineered hardwood in one bedroom; Laminate flooring in some areas; Ceramic tile in foyer; Luxury vinyl in kitchen
• Bathrooms: 2 full bathrooms; Basement includes bathroom access
• Heating & cooling: Natural gas forced air heating; Central air conditioning
• Interior features: Drapes on windows; Partially finished daylight full basement; 8 total rooms
• Laundry & utility: Laundry room on lower level with sink; Gas and electric dryer hookups

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $332 ($4k/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 $289k (3.6% below list).
• Recommended offer: $289k (3.6% below list) — sets the bar for 1% rule.
• Cap rate 7.6% vs local median 3.0% in Bettendorf — 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 81/100 on livability (#73 in IA, #1,579 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, employment A+; Watch: amenities F, commute F.
• Bettendorf Community School District (suburban): math 74% / reading 75% proficiency, ranked #57 of 289 in IA (top 20%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Market conditions: Rents rising (+2.9%/yr); 426 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 805 units permitted in Scott County in 2024 (479 in 5+ unit buildings).
• This rent runs 34% of the median local income ($102k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Scott County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $288,644 (3.6% 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. Schools are A-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?
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: 0.96% ✗
• Cap rate: 7.62%
• Cash-on-cash: 4.76%
• DSCR: 1.21
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $307,272
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3610 Tam-o-shanter Dr	0.06mi	5/3.0	1,707 (-2%)	11mo	$337,500	$198	81
3731 EL Dorado Dr	0.14mi	4/2.0 (-1)	1,671 (-4%)	7mo	$245,000	$147	76
2305 Echodale Dr	0.22mi	4/2.0 (-1)	1,793 (+3%)	14mo	$278,000	$155	68
3555 Eldorado Dr	0.17mi	4/2.0 (-1)	1,636 (-6%)	13mo	$289,900	$177	67
3608 Parkdale Dr	0.07mi	4/1.5 (-1)	1,930 (+11%)	6mo	$260,000	$135	66
3332 Wakonda Dr	0.41mi	4/2.0 (-1)	1,670 (-4%)	11mo	$155,000	$93	60
3511 Eldorado Dr	0.19mi	4/2.0 (-1)	1,481 (-15%)	4mo	$237,500	$160	58
2303 Pinehurst St	0.31mi	4/2.0 (-1)	1,551 (-11%)	11mo	$250,000	$161	53
4003 Tanglefoot Ter	0.50mi	4/3.5 (-1)	1,896 (+9%)	1mo	$360,000	$190	50
2620 Harmony Dr Dr	0.74mi	4/3.0 (-1)	1,705 (-2%)	6mo	$356,000	$209	49
4590 Apple Valley Dr	0.69mi	4/2.0 (-1)	1,918 (+10%)	3mo	$347,500	$181	43
2430 Navajo Dr	0.73mi	4/2.5 (-1)	1,928 (+11%)	3mo	$410,000	$213	38

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 · 2.88% rent growth · sell at horizon

5-year hold

• IRR: -9.0%
• Equity multiple: 0.67×
• Total profit: $-27,742
• Equity at exit: $44,656

10-year hold

• IRR: 0.3%
• Equity multiple: 1.02×
• Total profit: $1,550
• Equity at exit: $25,895

Cash invested: $83,860 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 52722

• Rents YoY: 2.9%
• Active inventory: 426
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,886 medium
• Mortgage (P&I): −$1,571
• Tax from tax record: −$252 /mo · $3,030/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$606
• Net cashflow: $332

Break-even live

Break-even rent $2,466

Max offer price $299,500

Occupancy floor 83%

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: $74,875
• Closing costs: $8,985
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3129 Windsor Dr Bettendorf, IA	4.0	1.5	1440	$2,500	$1.74	20d	1	0.36mi
5101 Lakeview Pkwy Davenport, IA	3.0–4.0	2.5–3.5	1800	$4,990	$2.77	13d	6	0.85mi
3851 Tanglefoot Ln Bettendorf, IA	3.0–4.0	2.5–3.5	1800	$2,695	$1.50	13d	1	1.24mi

Listing history 2 events

1. 2026-05-10
   status Pending
2. 2026-05-08
   listed $299,500 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 IA · Partial reset (capped growth)

• Current annual tax: $3,030 · $252/mo
• Projected year-2 tax: $3,866 · $322/mo
• Expected delta: +$836/yr (+$70/mo · 27.6%)

ⓘ 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 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,637
• − Mortgage interest: −$16,777
• − Property taxes: −$3,030
• − Insurance: −$1,498
• − Repairs & maintenance: −$2,771
• − Management: −$2,771
• − Depreciation: −$8,713
• Taxable loss: −$922
• Est. tax savings @ 24.0%: +$221
• After-tax cash flow: $4,210/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: Bettendorf Community School District
• NCES district ID: 1904860
• Math proficiency: 74% ▼ -6.00%
• Reading proficiency: 75% ▼ -2.00%
• Median HH income: $66,823
• Composite: 64.71/100
• National rank: #522
• State rank: #57 of 289 in IA

Livability — Bettendorf

• Score: 81/100
• State rank: #73
• US rank: #1579

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bettendorf, IA
• County: Scott County · 144,583 people
• City population: 41,264
• Metro: Davenport-Moline-Rock Island, IA-IL
• Population (ZIP): 41,264
• Household income: $101,546
• Rent vs Own: 24.2% rent · 75.8% own
• Severe rent burden: 935.0

Population outlook (Scott County) Hauer SSP2

• Today (2025): 188,878 people
• By 2030: 196,648 · +4.1%
• By 2040: 210,860 · +11.6%
• By 2050: 224,359 · +18.8%
• By 2075: 258,884 · +37.1%
• By 2100: 286,447 · +51.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Asian 7% Two or more races 7% Hispanic / Latino 5% Black 2%
• Common ancestry: Portuguese 3% Italian 3% Romanian 2%
• Foreign-born: 7% · Canada, China, Vietnam
• Languages at home: 92% English-only · Other Asian/Pacific 2% Spanish 2% Other Indo-European 1%

Political lean MEDSL · Scott

• 2024 margin: Toss-up / Even · D 47.3% · R 51.2% · Other 1.4%
• 2008→2024 swing: -18.4pp toward R · 2008: 14.6pp · 2024: -3.9pp
• All cycles: 2024: R+3.9 2020: D+3.5 2016: D+1.4 2012: D+13.8 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.45%
• Current HPI: 194.8355
• Rent YoY: ▲ 2.88%
• Metro: Davenport-Moline-Rock Island, IA-IL
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

2 events — show timeline

• 2026-05-10 Pending — MRED as Distributed by MLS Grid
• 2026-05-08 Listed $299,500 MRED as Distributed by MLS Grid

Property tax history

+1.9%/yr

Latest (2025): $3,030 · -2.3% YoY. Source: county tax records.