1325 W Silverlake Rd #36 · Tucson, AZ
Flood risk 4/10 · Minor
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.2%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 10/10 · Severe
- Est. fire insurance / yr
- $610 – $1,132
Heat risk 8/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
Neighborhood map
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.
Questions for the listing agent
- 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?
- 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?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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?
- 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.
- 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.
- 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
- IRR
- —
- Equity multiple
- -1.73×
- Total profit
- $-61,245
- Equity at exit
- $11,928
- 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
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
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
- Club membership (one-time)
- —
- 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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-08-08days on market $80,000 Active 104 DOM
-
2026-08-07days on market $80,000 Active 103 DOM
-
2026-08-06days on market $80,000 Active 102 DOM
-
2026-08-05days on market $80,000 Active 101 DOM
-
2026-08-04days on market $80,000 Active 100 DOM
-
2026-08-03days on market $80,000 Active 99 DOM
-
2026-07-31days on market $80,000 Active 96 DOM
-
2026-07-30days on market $80,000 Active 95 DOM
-
2026-07-30days on market $80,000 Active 94 DOM
-
2026-07-28days on market $80,000 Active 93 DOM
-
2026-07-26days on market $80,000 Active 91 DOM
-
2026-07-24days on market $80,000 Active 89 DOM
-
2026-07-23days on market $80,000 Active 88 DOM
-
2026-07-22days on market $80,000 Active 87 DOM
-
2026-07-21days on market $80,000 Active 86 DOM
-
2026-07-20days on market $80,000 Active 85 DOM
-
2026-07-18days on market $80,000 Active 83 DOM
-
2026-07-18days on market $80,000 Active 82 DOM
-
2026-07-16days on market $80,000 Active 81 DOM
-
2026-07-15days on market $80,000 Active 80 DOM
-
2026-07-14days on market $80,000 Active 79 DOM
-
2026-07-13days on market $80,000 Active 78 DOM
-
2026-07-13days on market $80,000 Active 77 DOM
-
2026-07-11days on market $80,000 Active 76 DOM
-
2026-07-10days on market $80,000 Active 75 DOM
-
2026-07-09days on market $80,000 Active 74 DOM
-
2026-07-07days on market $80,000 Active 72 DOM
-
2026-07-06days on market $80,000 Active 71 DOM
-
2026-07-05days on market $80,000 Active 70 DOM
-
2026-07-03days on market $80,000 Active 68 DOM
-
2026-07-02days on market $80,000 Active 67 DOM
-
2026-07-01days on market $80,000 Active 66 DOM
-
2026-06-30days on market $80,000 Active 65 DOM
-
2026-06-29days on market $80,000 Active 64 DOM
-
2026-06-28days on market $80,000 Active 63 DOM
-
2026-06-27days on market $80,000 Active 62 DOM
-
2026-06-27days on market $80,000 Active 61 DOM
-
2026-06-25days on market $80,000 Active 59 DOM
-
2026-06-22days on market $80,000 Active 57 DOM
-
2026-06-21days on market $80,000 Active 56 DOM
-
2026-06-18days on market $80,000 Active 53 DOM
-
2026-06-17days on market $80,000 Active 52 DOM
-
2026-06-16days on market $80,000 Active 51 DOM
-
2026-06-15days on market $80,000 Active 50 DOM
-
2026-06-13days on market $80,000 Active 48 DOM
-
2026-06-10days on market $80,000 Active 45 DOM
-
2026-06-09days on market $80,000 Active 44 DOM
-
2026-06-08days on market $80,000 Active 43 DOM
-
2026-06-07days on market $80,000 Active 42 DOM
-
2026-06-05days 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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
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
- 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
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.
Zoned Schools
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
Livability — Tucson
- Score
- 74/100
- State rank
- #17
- US rank
- #4502
Category grades
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
- 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
- —
Market trends
- HPI YoY
- ▼ -107.07%
- Current HPI
- 329.8338
- Rent YoY
- ▲ 0.21%
- Metro
- Tucson, AZ
- State GDP YoY
- ▲ 4.54%
- F500 in state
- 20
Industry mix (Fortune 500 HQ in AZ)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 2 | $13B |
|
||
| Mining / Metals | 1 | $23B |
|
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| Environmental Services | 1 | $16B |
|
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| Metals / Steel | 1 | $14B |
|
||
| Technology Distribution | 1 | $9B |
|
||
| Homebuilding | 1 | $8B |
|
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Price history
1 event — show timeline
- 2026-04-26 Listed $80,000 MLSSAZ
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…