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D+ Composite 48.94
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
  • Appreciation +5.0/10.0
  • Schools +3.7/10.0
  • Livability +2.7/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$6,888

36 Sand Hill Rd · Au Sable Forks, NY 12924
4 bd · 1.0 ba · 1,042 sqft · SingleFamily public records · 162 Days on market
Built 1930 1,200 sqft lot ↓ 51% since listing

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

Listing remarks MLS

NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

Key facts

  • 1,200 sq ft lot
  • Built 1930
  • Listed 161 days

Property features AI

Exterior

  • Parking: No garage
  • Utilities: Well water; Septic tank
  • Home design: Single-story home; Resale property; Rectangular lot (60 x 200)
  • Construction: Existing structure; Construction materials: see remarks
  • Exterior features: See remarks for exterior details

Interior

  • Kitchen: Water heater (listed under appliances); See remarks for additional kitchen/appliance details
  • Bedrooms: Four main-level bedrooms
  • Bathrooms: One full bathroom (main level)
  • Heating & cooling: Heating details: see remarks
  • Interior features: Full basement; See remarks for additional interior details
  • Laundry & utility: Water heater (utility)

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/1.0-bath single-family listed at $7k.

Deal economics

  • At list price, monthly cash flow is $861 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $7k).
  • Recommended offer: $6k (12.0% below list) — sets the bar for market timing.
  • Cap rate 167.9% vs local median 1.4% in Au Sable Forks — 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 54/100 on livability (#1,143 in NY) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: schools D-, crime F, amenities F.
  • Ausable Valley Central School District (rural): math 36% / reading 51% proficiency, ranked #474 of 590 in NY (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 1 active listings in the ZIP; 192 units permitted in Clinton County in 2024 (64 in 5+ unit buildings).

Forward outlook

  • In year one you build about $255 of equity ($48 loan paydown + $207 appreciation (3.0% local appreciation)).
  • Clinton County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (3.0% appreciation + 3.0% rent growth), your $2k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 162 days — a 12% lower offer ($6k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts; this cycle's ask has dropped $23k (77%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: flood insurance adds $66/mo; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $6,061 (12.0% below list)

Questions for the listing agent

  1. It's been on market 162 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  8. 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?
  9. 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.
  10. 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.
  11. 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
17.92%
Cap rate
167.91%
Cash-on-cash
577.22%
DSCR
26.68
GRM
0.5

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
29.90×
Total profit
$55,742
Equity at exit
$3,097
10-year hold
IRR
Equity multiple
64.07×
Total profit
$121,645
Equity at exit
$4,773

Cash invested: $1,929 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
15 Strongly Tenant-Friendly
State New York
15 Strongly Tenant-Friendly · D+10
County
— inherits STATE
City
— inherits STATE
NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

ZIP-level market 12924

Active inventory
1
Price-to-rent
0.5×

Monthly cashflow live

Estimated rent
$1,235 medium interval (Pro) →
Mortgage (P&I)
$36
Tax est. 1.5%
$9 /mo · $103/yr
Insurance
$3
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$0
Vacancy / Maint / Mgmt
$259
Net cashflow
$861

Break-even live

Break-even rent $144
Max offer price $6,888
Occupancy floor 25%

Sensitivity live

Price -10% $866 -5% $864 +0% $861 +5% $859 +10% $856
Rent -10% $764 -5% $812 +0% $861 +5% $910 +10% $959
Rate -1.0pp $865 -0.5pp $863 base $861 +0.5pp $859 +1.0pp $858

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
$1,722
Closing costs
$207
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 24 events

  1. 2026-06-09
    days on market $6,888 Active 162 DOM
  2. 2026-06-08
    days on market $6,888 Active 161 DOM
  3. 2026-06-07
    days on market $6,888 Active 160 DOM
  4. 2026-06-05
    days on market $6,888 Active 157 DOM
  5. 2026-06-02
    days on market $6,888 Active 155 DOM
  6. 2026-06-01
    days on market $6,888 Active 154 DOM
  7. 2026-05-31
    days on market $6,888 Active 153 DOM
  8. 2026-05-30
    days on market $6,888 Active 152 DOM
  9. 2026-04-13
    price $6,888
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  10. 2026-04-13
    price $6,888 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  11. 2026-03-22
    price $9,888 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  12. 2026-03-18
    price $9,888
  13. 2026-02-15
    price $12,888 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  14. 2026-02-15
    price $12,888
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  15. 2026-02-12
    status Active 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  16. 2026-02-10
    historical 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  17. 2026-02-09
    price $19,888 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  18. 2026-02-09
    status Active 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  19. 2026-02-09
    price $19,888
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  20. 2026-01-30
    historical 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  21. 2025-12-29
    price $29,999 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  22. 2025-12-29
    listed $29,999 Active
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  23. 2025-10-30
    listed $39,999 Active 353-char remark
    Show marketing remark (353 chars)

    NEEDS A FULL GUT RENOVATION...1201 SQ. FT. 4 BEDROOM, 1 BATH. WORTH $200,000 AFTER RENOVATION...... ADDRESS: 36 SAND HILL RD, CLINTONVILLE, NY.12924 LOT:22.000 BLK:1 SEC:334.02 DIST:092200 CITY/MUNI/TWP: AUSABLE Classification: SINGLE FAMILY RESIDENCE County CLINTON Parcel ID 092200 334.2-1-22 Block 1 Lot 22.000 School District AUSABLE VALLEY CENTRAL

  24. 2024-11-12
    price $14,000

ⓘ 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 7/10 Severe FEMA zone X (unshaded) · 77% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,815
− Mortgage interest
−$386
− Property taxes
−$103
− Insurance
−$832
− Repairs & maintenance
−$1,185
− Management
−$1,185
− Depreciation
−$200
Taxable income
$10,923
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,621
After-tax cash flow
$7,713/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
Ausable Valley Central School District
NCES district ID
3616170
Math proficiency
36% ▼ -14.00%
Reading proficiency
51% ▲ 5.00%
Median HH income
$50,989
Composite
37.43/100
National rank
#4417
State rank
#474 of 590 in NY

Livability — Au Sable Forks

Score
54/100
State rank
#1143
US rank
#23832

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
230

Population outlook (Clinton County) Hauer SSP2

Today (2025)
78,791 people
By 2030
76,848 · -2.5%
By 2040
71,579 · -9.2%
By 2050
66,471 · -15.6%
By 2075
57,361 · -27.2%
By 2100
47,232 · -40.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (97%)
Race & ethnicity
White 97% Two or more races 3%
Common ancestry
Lithuanian 30% Portuguese 7% Slovak 3%

Political lean MEDSL · Clinton

2024 margin
Toss-up / Even · D 48.9% · R 51.1%
2008→2024 swing
-25.1pp toward R · 2008: 22.9pp · 2024: -2.2pp
All cycles
2024: R+2.2 2020: D+5.2 2016: D+0.9 2012: D+25.6 2008: D+22.9

Not yet ingested

Civics

Market trends

HPI YoY
Current HPI
Rent YoY
Metro
State GDP YoY
▲ 2.60%
F500 in state
92

Industry mix (Fortune 500 HQ in NY)

Industry F500 HQs Revenue

Price history

-50.8% since first listed
16 events — show timeline
  • 2026-04-13 Price Changed $6,888 UNYREIS
  • 2026-04-13 Price Changed $6,888 OneKey® MLS as Distributed by MLS Grid
  • 2026-03-22 Price Changed $9,888 OneKey® MLS as Distributed by MLS Grid
  • 2026-03-18 Price Changed $9,888 UNYREIS
  • 2026-02-15 Price Changed $12,888 OneKey® MLS as Distributed by MLS Grid
  • 2026-02-15 Price Changed $12,888 UNYREIS
  • 2026-02-12 Relisted OneKey® MLS as Distributed by MLS Grid
  • 2026-02-10 Listing Removed OneKey® MLS as Distributed by MLS Grid
  • 2026-02-09 Price Changed $19,888 OneKey® MLS as Distributed by MLS Grid
  • 2026-02-09 Relisted OneKey® MLS as Distributed by MLS Grid
  • 2026-02-09 Price Changed $19,888 UNYREIS
  • 2026-01-30 Listing Removed OneKey® MLS as Distributed by MLS Grid
  • 2025-12-29 Price Changed $29,999 OneKey® MLS as Distributed by MLS Grid
  • 2025-12-29 Listed $29,999 UNYREIS
  • 2025-10-30 Listed $39,999 OneKey® MLS as Distributed by MLS Grid
  • 2024-11-12 Price Changed $14,000 ACVMLS

Property tax history

+4.0%/yr

Latest (2025): $1,826 · +14.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…