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1325 W Silverlake Rd #36
D- Composite 37.85
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).

  • ARV discount +15.0/15.0
  • 1% rule +9.8/10.0
  • Condition / age +3.8/5.0
  • Livability +3.7/5.0
  • Rent growth +2.6/5.0
  • Appreciation +2.5/10.0
  • Cash flow +2.1/30.0
  • Schools +1.7/10.0
  • DSCR +0.0/10.0
  • Manufactured-home adj. -3.3

$80,000

1325 W Silverlake Rd #36 · Tucson, AZ 85713
3 bd · 2.0 ba · 1,280 sqft · Manufactured · 104 Days on market
Manufactured home Built 1998 Good condition 5,227 sqft lot $62/sqft · 43% below area Est $140k · 43% under $675/mo HOA · 57% of rent

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

Listing remarks

Spacious and thoughtfully upgraded, this move-in-ready home offers comfort, efficiency, and accessibility. Designed to accommodate a variety of needs, it features both ramp and stair access. The home includes a desirable walk-in closet, all new appliances, and a beautifully remodeled hall bathroom. Interior upgrades continue with wooden blinds on all windows, new ceiling fans, and newly installed baseboards for a clean, modern feel. Enjoy energy efficiency and year-round comfort with Mitsubishi mini-split systems and solar screens on the windows. Safety and peace of mind come with carbon monoxide and smoke alarms, along with a newly installed security door.

Key facts

  • Walk-in closet
  • New ceiling fans
  • Wooden blinds

Tags

WALK-IN CLOSETNEW APPLIANCESREMODELED HALL BATHROOMWOODEN BLINDSNEW CEILING FANSNEWLY INSTALLED BASEBOARDS

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/2.0-bath manufactured listed at $80k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-718 ($-9k/yr) — negative.
  • Rent doesn't cover operating costs at any purchase price — skip.
  • Meets the 1% rule at list price ($1k rent vs $80k).
  • Recommended offer: $73k (9.0% below list) — sets the bar for market timing.
  • Cap rate 1.9% vs local median 3.8% in Tucson — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

  • Location reads 74/100 on livability (#17 in AZ, #4,502 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety C-, crime F, employment D-.
  • Tucson Unified District (4403) (urban): math 14% / reading 23% proficiency, ranked #190 of 249 in AZ (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: Tolson Elementary School (math 22% / reading 22%, grade F, #687 of 1,109 statewide, top 65%, 372 students, 72% FRL); Mansfeld Middle Magnet School (math 14% / reading 26%, grade F, #127 of 218 statewide, top 60%, 817 students, 60% FRL); Cholla High School (math 2% / reading 17%, grade F, #343 of 381 statewide, top 93%, 1,760 students, 62% FRL) — zoned schools at 65% FRL track the district average.
  • Market conditions: Rents flat; 312 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals lingering (median 36d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 104 days — a 9% lower offer ($73k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: flood insurance adds $427/mo; HOA is 57% of rent.
  • Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wildfire 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 $72,800 (9.0% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 104 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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?
  9. 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?
  10. 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.
  11. 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.
  12. 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
1.48%
Cap rate
1.92%
Cash-on-cash
-15.62%
DSCR
0.30
GRM
5.6

CMA / ARV

ARV (median comp)
$139,904
List price
$80,000
Delta
-42.82%
Verdict
UNDERPRICED
Comps
6 within 1.0 mi
Show comp detail 7 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2640 S Cottonwood Ln #106 0.41mi 3/3.0 1,188 (-7%) 6mo $76,200 $64 60
2640 S Cottonwood Ln #71 0.41mi 3/2.0 1,238 (-3%) 22mo $122,795 $99 57
2276 S Devon Loop 0.21mi 2/1.0 (-1) 1,152 (-10%) 11mo $205,000 $178 55
2640 S Cottonwood Ln #63 0.41mi 3/2.0 1,512 (+18%) 5mo $160,000 $106 51
2640 S Cottonwood Ln #81 0.41mi 3/1.5 1,365 (+7%) 24mo $50,000 $37 48
2640 S Cottonwood Ln #44 0.41mi 3/2.0 1,512 (+18%) 22mo $151,000 $100 38
2920 S Cottonwood Ln Unit 1 0.57mi 4/2.0 (+1) 1,500 (+17%) 11mo $350,000 $233 34

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 · 0.21% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
-1.73×
Total profit
$-61,245
Equity at exit
$11,928
10-year hold
IRR
Equity multiple
-4.44×
Total profit
$-121,966
Equity at exit
$6,917

Cash invested: $22,400 (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
9 active
Months of supply
27.0 mo (4%/mo absorbed)
Median asking
$89,999 ($80/sqft)
Median days on market
127 d
This list price
22% of active listings are priced below it
ARV vs active asking
+36.1% above current asking $/sqft

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

ZIP-level market 85713

Home prices YoY
-24.5%
Rents YoY
0.2%
Active inventory
312
Price-to-rent
5.6×

Monthly cashflow live

Estimated rent
$1,185 high interval (Pro) →
Mortgage (P&I)
$420
Tax est. 1.5%
$100 /mo · $1,200/yr
Insurance
$33
Flood insurance flood zone
−$427 /mo · $5,118/yr
HOA
$675
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$249
Net cashflow
$-718

Break-even live

Break-even rent $2,094
Max offer price
Occupancy floor

Sensitivity live

Price -10% $-663 -5% $-691 +0% $-718 +5% $-746 +10% $-773
Rent -10% $-812 -5% $-765 +0% $-718 +5% $-671 +10% $-625
Rate -1.0pp $-678 -0.5pp $-698 base $-718 +0.5pp $-739 +1.0pp $-760

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
$20,000
Closing costs
$2,400
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
1325 W Silverlake Rd Tucson, AZ 3.0 2.0 1080 $1,400 $1.30 28d 1 0.06mi
2410 S Mission Rd Tucson, AZ 3.0 1.0–2.0 620 $1,375 $2.22 28d 15 0.39mi
2640 S Cottonwood Ln Unit 13 Tucson, AZ 3.0 2.0 1200 $1,395 $1.16 93d 1 0.45mi
2800 S Mission Rd Tucson, AZ 3.0 1.0–2.0 663 $1,410 $2.13 16d 17 0.64mi
1808 W Caravelle Rd Tucson, AZ 2.0 2.0 1260 $1,395 $1.11 93d 1 0.65mi
1754 W Pueblo Vista Blvd Tucson, AZ 3.0 3.0 1206 $1,680 $1.39 39d 1 0.68mi
1846 W Caravelle Rd Tucson, AZ 2.0 2.0 1050 $1,250 $1.19 30d 1 0.72mi
1866 W Caravelle Rd Tucson, AZ 2.0 2.0 1035 $1,500 $1.45 39d 1 0.76mi
1310 S San Jacinto Dr Unit 1 Tucson, AZ 2.0 1.0 1000 $1,250 $1.25 28d 1 0.76mi
3311 S Placita Saltillo Tucson, AZ 2.0 2.0 948 $1,295 $1.37 17d 1 0.86mi
1292 S Paseo Luna Blanca Tucson, AZ 3.0 2.0 1365 $1,795 $1.32 16d 1 0.86mi
920 W Starr Pass Blvd Tucson, AZ 3.0 2.0 1362 $1,895 $1.39 39d 1 0.91mi
2012 W Dozemary Ct Tucson, AZ 3.0 2.5 1480 $1,650 $1.11 17d 1 0.97mi
631 W 40th St Unit 637 Tucson, AZ 2.0 1.0 890 $995 $1.12 30d 1 1.14mi
425 W 26th St Tucson, AZ 3.0 2.0 1250 $1,450 $1.16 93d 1 1.20mi
3655 S San Rafael Pl Tucson, AZ 3.0 1.0 1204 $1,650 $1.37 93d 1 1.22mi
3528 S Mission Rd #2 Tucson, AZ 3.0 2.0 1125 $1,600 $1.42 35d 1 1.26mi
310 W 27th St Tucson, AZ 3.0 2.0 1600 $1,995 $1.25 20d 1 1.30mi
3420 S Clark Ave Tucson, AZ 3.0 2.0 1100 $1,495 $1.36 61d 1 1.40mi
3480 S Clark Ave Unit 1 Tucson, AZ 2.0 1.0 900 $1,099 $1.22 16d 1 1.45mi
251 W 38th St Tucson, AZ 3.0 2.0 1050 $1,800 $1.71 33d 1 1.45mi
135 W 26th St Tucson, AZ 3.0 2.0 1700 $2,450 $1.44 39d 1 1.45mi
1211 S 9th Ave Tucson, AZ 4.0 2.0 1500 $1,700 $1.13 52d 1 1.45mi
1211 S 9th Ave Tucson, AZ 4.0 2.0 1500 $1,700 $1.13 70d 1 1.45mi
1314 S 8th Ave Unit 1515896P Tucson, AZ 3.0 2.0 1496 $4,852 $3.24 52d 1 1.47mi
59 S Melrose Ave #2 Tucson, AZ 3.0 2.0 1044 $1,425 $1.36 20d 1 1.50mi

Property features AI

Finance

Other
Zoning: Tucson - MH1
HOA & community
Homeowners association with monthly fee of $675Road responsibility handled by HOA

Exterior

Parking
Covered space (1)Carport space (1) — additional carport noted
Utilities
Public waterSewer connected
Home design
Mobile homeOne levelFacing information not provided
Construction
Wood frame constructionBuilt-up reflective roof
Exterior features
Additional carportWood fencingPaved road accessPool, recreation center, and park in the community

Interior

Kitchen
DishwasherRefrigeratorGas RangeConvection OvenMicrowave
Flooring
Laminate flooring
Bathrooms
2 full bathrooms
Heating & cooling
Mini-split heatingDuctless cooling
Interior features
Handicap convertible with accessible approach and rampSubdivided lot (see exterior for details)
Laundry & utility
Laundry room with washer and dryerElectric dryer hookup

HOA detail $675/mo · $8,100/yr

Likely covers
security

Listing history 50 events

  1. 2026-08-08
    days on market $80,000 Active 104 DOM
  2. 2026-08-07
    days on market $80,000 Active 103 DOM
  3. 2026-08-06
    days on market $80,000 Active 102 DOM
  4. 2026-08-05
    days on market $80,000 Active 101 DOM
  5. 2026-08-04
    days on market $80,000 Active 100 DOM
  6. 2026-08-03
    days on market $80,000 Active 99 DOM
  7. 2026-07-31
    days on market $80,000 Active 96 DOM
  8. 2026-07-30
    days on market $80,000 Active 95 DOM
  9. 2026-07-30
    days on market $80,000 Active 94 DOM
  10. 2026-07-28
    days on market $80,000 Active 93 DOM
  11. 2026-07-26
    days on market $80,000 Active 91 DOM
  12. 2026-07-24
    days on market $80,000 Active 89 DOM
  13. 2026-07-23
    days on market $80,000 Active 88 DOM
  14. 2026-07-22
    days on market $80,000 Active 87 DOM
  15. 2026-07-21
    days on market $80,000 Active 86 DOM
  16. 2026-07-20
    days on market $80,000 Active 85 DOM
  17. 2026-07-18
    days on market $80,000 Active 83 DOM
  18. 2026-07-18
    days on market $80,000 Active 82 DOM
  19. 2026-07-16
    days on market $80,000 Active 81 DOM
  20. 2026-07-15
    days on market $80,000 Active 80 DOM
  21. 2026-07-14
    days on market $80,000 Active 79 DOM
  22. 2026-07-13
    days on market $80,000 Active 78 DOM
  23. 2026-07-13
    days on market $80,000 Active 77 DOM
  24. 2026-07-11
    days on market $80,000 Active 76 DOM
  25. 2026-07-10
    days on market $80,000 Active 75 DOM
  26. 2026-07-09
    days on market $80,000 Active 74 DOM
  27. 2026-07-07
    days on market $80,000 Active 72 DOM
  28. 2026-07-06
    days on market $80,000 Active 71 DOM
  29. 2026-07-05
    days on market $80,000 Active 70 DOM
  30. 2026-07-03
    days on market $80,000 Active 68 DOM
  31. 2026-07-02
    days on market $80,000 Active 67 DOM
  32. 2026-07-01
    days on market $80,000 Active 66 DOM
  33. 2026-06-30
    days on market $80,000 Active 65 DOM
  34. 2026-06-29
    days on market $80,000 Active 64 DOM
  35. 2026-06-28
    days on market $80,000 Active 63 DOM
  36. 2026-06-27
    days on market $80,000 Active 62 DOM
  37. 2026-06-27
    days on market $80,000 Active 61 DOM
  38. 2026-06-25
    days on market $80,000 Active 59 DOM
  39. 2026-06-22
    days on market $80,000 Active 57 DOM
  40. 2026-06-21
    days on market $80,000 Active 56 DOM
  41. 2026-06-18
    days on market $80,000 Active 53 DOM
  42. 2026-06-17
    days on market $80,000 Active 52 DOM
  43. 2026-06-16
    days on market $80,000 Active 51 DOM
  44. 2026-06-15
    days on market $80,000 Active 50 DOM
  45. 2026-06-13
    days on market $80,000 Active 48 DOM
  46. 2026-06-10
    days on market $80,000 Active 45 DOM
  47. 2026-06-09
    days on market $80,000 Active 44 DOM
  48. 2026-06-08
    days on market $80,000 Active 43 DOM
  49. 2026-06-07
    days on market $80,000 Active 42 DOM
  50. 2026-06-05
    days on market $80,000 Active 39 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 4/10 Moderate FEMA zone AE · 20% chance over 30 yrs
  • 🔥 Wildfire 10/10 Extreme
  • 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 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
$14,221
− Mortgage interest
−$4,481
− Property taxes
−$1,200
− Insurance
−$5,518
− Repairs & maintenance
−$1,138
− Management
−$1,138
− HOA
−$8,100
− Depreciation
−$2,327
Taxable loss
−$9,681
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,323
After-tax cash flow
$-6,294/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 $6,400–$19,200 screening

This move-in-ready manufactured home offers a good condition with recent updates and a clean, modern interior. It's ready for a new owner to move in and enjoy.

Value-add opportunities

  • Both Paint exterior siding — Enhances curb appeal and value
  • Both Clean gutters — Improves drainage and property value

ⓘ 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 17/100

Zoned Schools

Elementary Tolson Elementary School F AZ #687/1,109 Nat'l #32,000/41,679 Middle Mansfeld Middle Magnet School F AZ #127/218 Nat'l #11,652/14,009 High Cholla High School F AZ #343/381 Nat'l #16,463/17,239

Schools (NCES district)

District
Tucson Unified District (4403)
NCES district ID
0408800
Math proficiency
14% ▼ -17.00%
Reading proficiency
23% ▼ -11.00%
Median HH income
$40,962
Composite
15.78/100
National rank
#9270
State rank
#190 of 249 in AZ
B Composite livability gradescore 74/100

Livability — Tucson

Score
74/100
State rank
#17
US rank
#4502

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Tucson, AZ
County
Pima County · 1,066,056 people
City population
839,336
Metro
Tucson, AZ
Population (ZIP)
46,439
Household income
$53,152
Rent vs Own
37.2% rent · 62.8% own
Severe rent burden
12% of renters

Population outlook (Pima County) Hauer SSP2

Today (2025)
1,066,056 people
By 2030
1,086,684 · +1.9%
By 2040
1,117,160 · +4.8%
By 2050
1,149,778 · +7.9%
By 2075
1,271,480 · +19.3%
By 2100
1,321,160 · +23.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (70%)
Race & ethnicity
Hispanic / Latino 70% Two or more races 30% White 21% Native American 5% Black 3% Asian 1%
Hispanic origin (detail)
Mexican 67%
Common ancestry
Italian 1% Lithuanian 1% Portuguese 1%
Foreign-born
19% · Canada, China
Languages at home
49% English-only · Spanish 49%

Political lean MEDSL · Pima

2024 margin
D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
2008→2024 swing
+9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
All cycles
2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1

Not yet ingested

Civics

Price history

1 event — show timeline
  • 2026-04-26 Listed $80,000 MLSSAZ

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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