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2175 W Southern Ave #6
C Composite 59.24
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 +22.5/30.0
  • ARV discount +15.0/15.0
  • 1% rule +7.5/10.0
  • DSCR +7.5/10.0
  • Livability +3.3/5.0
  • Condition / age +2.8/5.0
  • Appreciation +2.5/10.0
  • Schools +1.7/10.0
  • Rent growth +1.6/5.0
  • Manufactured-home adj. -5.2

$42,500

2175 W Southern Ave #6 · Apache Junction, AZ 85120
3 bd · 1.5 ba · 1,028 sqft · Manufactured · 142 Days on market
Manufactured home 55+ age-restricted Built 1984 Average condition $41/sqft · 48% below area Est $82k · 48% under ↓ 14% since listing

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

Listing remarks

Welcome to resort-style living in this amazing home located within a sought-after gated, guard-protected active adult community of Bonita Vista. Enjoy peace of mind and a vibrant lifestyle with access to exceptional amenities including a sparkling pool and spa, pickleball courts, a spacious recreation center, and a full calendar of activities. This home is uniquely positioned on one of the most desirable lots in the neighborhood, surrounded by mature trees, lush greenery, and flowering landscape that provide exceptional privacy and shade on all sides--creating a serene, park-like setting rarely found.

Key facts

  • Gated community
  • Pickleball courts
  • Guard protected

Tags

GATED COMMUNITYGUARD PROTECTEDPICKLEBALL COURTSRECREATION CENTERMATURE TREESLUSH GREENERY

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/1.5-bath manufactured listed at $42k. Condition is rated average.

Deal economics

  • At list price, monthly cash flow is $824 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $42k).
  • Recommended offer: $37k (12.0% below list) — sets the bar for market timing.
  • Cap rate 29.6% vs local median 3.0% in Apache Junction — 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 66/100 on livability (#70 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, amenities F, commute F.
  • Apache Junction Unified District (4443) (suburban): math 15% / reading 20% proficiency, ranked #195 of 249 in AZ (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: Cactus Canyon Junior High (math 14% / reading 19%, grade F, #151 of 218 statewide, top 70%, 702 students, 50% FRL); Apache Junction High School (math 12% / reading 17%, grade F, #267 of 381 statewide, top 72%, 999 students, 48% FRL).
  • Market conditions: Rents falling (-3.5%/yr); 772 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $294 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 0.0% rent growth), your $12k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 142 days — a 12% lower offer ($37k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts; this cycle's ask has dropped $17k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 6→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $37,400 (12.0% below list)

Questions for the listing agent

  1. It's been on market 142 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. Crime grade is D 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?
  6. 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.
  7. 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.
  8. 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
3.33%
Cap rate
29.55%
Cash-on-cash
83.08%
DSCR
4.70
GRM
2.5

CMA / ARV

ARV (median comp)
$82,000
List price
$42,500
Delta
-48.17%
Verdict
UNDERPRICED
Comps
13 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2175 W Southern Ave #310 0.20mi 2/2.0 (-1) 980 (-5%) 1mo $39,500 $40 75
2175 W Southern Ave #242 0.00mi 2/2.0 (-1) 960 (-7%) 12mo $46,900 $49 72
3700 S Ironwood Dr Lot 124 0.62mi 2/2.0 (-1) 1,056 (+3%) 6mo $34,990 $33 54
2208 W Baseline Ave #40 0.68mi 2/2.0 (-1) 1,056 (+3%) 4mo $82,000 $78 53
2208 W Baseline Ave #194 0.68mi 2/2.0 (-1) 1,008 (-2%) 10mo $57,000 $57 50
2175 W Southern -- #279 0.21mi 2/2.0 (-1) 896 (-13%) 15mo $51,000 $57 49
2101 S Meridian Rd #72 0.69mi 2/2.0 (-1) 1,082 (+5%) 6mo $310,000 $287 47
2208 W Baseline Ave #142 0.68mi 2/2.0 (-1) 1,046 (+2%) 14mo $70,000 $67 47
2101 S Meridian Rd #50 0.67mi 2/2.0 (-1) 1,081 (+5%) 7mo $330,000 $305 47
3400 S Ironwood Dr #181 0.37mi 2/2.0 (-1) 1,150 (+12%) 14mo $85,500 $74 44
2208 W Baseline Ave #7 0.68mi 2/1.5 (-1) 900 (-12%) 3mo $38,000 $42 40
2101 S Meridian Rd #99 0.69mi 2/2.0 (-1) 1,153 (+12%) 12mo $308,500 $268 30

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
80.0%
Equity multiple
4.48×
Total profit
$41,461
Equity at exit
$6,337
10-year hold
IRR
82.7%
Equity multiple
8.37×
Total profit
$87,734
Equity at exit
$3,675

Cash invested: $11,900 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
7 active · 6 under contract
Months of supply
5.2 mo (19%/mo absorbed)
Median asking
$94,000 ($77/sqft)
Median days on market
104 d
This list price
lowest-priced of the active set
ARV vs active asking
+3.1% vs current asking $/sqft

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

ZIP-level market 85120

Home prices YoY
-29.0%
Rents YoY
-3.5%
Active inventory
772
Price-to-rent
2.5×

Monthly cashflow live

Estimated rent
$1,415 high interval (Pro) →
Mortgage (P&I)
$223
Tax est. 1.5%
$53 /mo · $638/yr
Insurance
$18
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$297
Net cashflow
$824

Break-even live

Break-even rent $372
Max offer price $42,500
Occupancy floor 37%

Sensitivity live

Price -10% $853 -5% $839 +0% $824 +5% $809 +10% $794
Rent -10% $712 -5% $768 +0% $824 +5% $880 +10% $936
Rate -1.0pp $845 -0.5pp $835 base $824 +0.5pp $813 +1.0pp $802

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
$10,625
Closing costs
$1,275
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 27 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3454 S Warner Dr Apache Junction, AZ 3.0 2.0 1300 $2,500 $1.92 120d 1 0.46mi
2065 W 20th Ave Apache Junction, AZ 3.0 2.0 1142 $1,775 $1.55 68d 1 0.56mi
2065 W 20th Ave Apache Junction, AZ 3.0 2.0 1110 $1,775 $1.60 74d 1 0.56mi
1866 W 20th Ave Apache Junction, AZ 3.0 2.0 1368 $1,885 $1.38 19d 1 0.63mi
3000 W Southern Ave Apache Junction, AZ 1.0–3.0 1.0–2.0 970 $1,871 $1.93 0d 19 0.64mi
1914 S Palo Verde Dr Apache Junction, AZ 3.0 2.0 1368 $1,795 $1.31 32d 1 0.68mi
2043 S Thunderbird Dr Apache Junction, AZ 3.0 2.0 1348 $1,925 $1.43 120d 1 0.84mi
1890 W 15th Ln Apache Junction, AZ 2.0 2.0 1212 $1,495 $1.23 33d 1 0.90mi
1446 S Palo Verde Dr Unit apache Apache Junction, AZ 2.0 2.0 1210 $1,700 $1.40 120d 1 0.91mi
972 W 21st Ave Apache Junction, AZ 3.0 2.0 1464 $1,900 $1.30 7d 1 0.95mi
1153 W Diamond Ave Apache Junction, AZ 3.0 2.0 1056 $1,885 $1.79 46d 1 0.97mi
865 W Mesquite Ave Apache Junction, AZ 3.0 2.0 1421 $2,136 $1.50 61d 1 1.11mi
2101 S Yellow Wood #60 Mesa, AZ 2.0 2.0 1371 $2,600 $1.90 84d 1 1.13mi
2101 S Yellow Wood #45 Mesa, AZ 2.0 2.0 1081 $1,649 $1.53 139d 1 1.13mi
2101 S Yellow Wood #4 Mesa, AZ 2.0 2.0 1081 $1,699 $1.57 7d 1 1.13mi
2101 S Yellow Wood #45 Mesa, AZ 2.0 2.0 1081 $1,649 $1.53 42d 1 1.13mi
1882 S Monterey Dr Apt 202 Apache Junction, AZ 2.0 1.0 800 $1,150 $1.44 67d 1 1.21mi
1820 S Monterey Dr Unit 4 Apache Junction, AZ 2.0 1.5 960 $1,275 $1.33 32d 1 1.23mi
1008 S Mara Dr Apache Junction, AZ 2.0 1.0 700 $1,495 $2.14 19d 1 1.25mi
545 W 16th Ave Unit 2 Apache Junction, AZ 2.0 1.5 980 $1,195 $1.22 24d 1 1.35mi
2061 S Apache Dr Unit 1 Apache Junction, AZ 2.0 1.0 800 $995 $1.24 54d 1 1.39mi
2061 S Apache Dr Unit 1 Apache Junction, AZ 2.0 1.0 800 $995 $1.24 67d 1 1.39mi
461 W 16th Ave Unit 4 Apache Junction, AZ 2.0 1.0 900 $995 $1.11 6d 1 1.39mi
461 W 16th Ave Unit 4 Apache Junction, AZ 2.0 1.0 900 $995 $1.11 10d 1 1.39mi
560 S Grand Dr Unit 1 Apache Junction, AZ 2.0 1.0 1350 $1,295 $0.96 33d 1 1.45mi
455 S Delaware Dr Unit 179 Apache Junction, AZ 2.0 2.0 1060 $2,395 $2.26 120d 1 1.49mi
455 S Delaware Dr Apache Junction, AZ 2.0 2.0 1060 $2,048 $1.93 116d 2 1.49mi

Property features AI

Finance

Other
Lot size information not available
HOA & community
Monthly land lease of $750Association fees include sewer and trashCommunity poolPickleball courtsCommunity spaCommunity media roomBiking/walking pathsFitness center

Exterior

Parking
2 covered parking spaces2 carport spaces
Security
Gated communityGuarded entry
Utilities
Public sewerPrivate water company
Home design
Manufactured/mobile homeLeasehold ownershipMountain view
Construction
Wood siding and wood frame constructionRolled/hot mop roof
Exterior features
Desert front and back landscapingChain link fenceHeated spa (community)

Interior

Kitchen
RefrigeratorDisposal
Bedrooms
3 possible bedrooms
Flooring
Tile
Bathrooms
1 full bathroom1 half bathroom
Heating & cooling
Electric heatingCentral airCeiling fansWindow/wall AC unit
Interior features
Eat-in kitchen3/4 bath in master bedroom
Laundry & utility
Washer/dryer hookup only

Listing history 50 events

  1. 2026-09-23
    days on market $42,500 Active 142 DOM
  2. 2026-09-22
    days on market $42,500 Active 141 DOM
  3. 2026-09-21
    days on market $42,500 Active 140 DOM
  4. 2026-09-20
    days on market $42,500 Active 139 DOM
  5. 2026-09-19
    days on market $42,500 Active 138 DOM
  6. 2026-09-18
    days on market $42,500 Active 137 DOM
  7. 2026-09-17
    days on market $42,500 Active 136 DOM
  8. 2026-09-16
    days on market $42,500 Active 135 DOM
  9. 2026-09-15
    days on market $42,500 Active 134 DOM
  10. 2026-09-14
    days on market $42,500 Active 133 DOM
  11. 2026-09-13
    days on market $42,500 Active 132 DOM
  12. 2026-09-12
    days on market $42,500 Active 131 DOM
  13. 2026-09-11
    days on market $42,500 Active 130 DOM
  14. 2026-09-05
    days on market $42,500 Active 124 DOM
  15. 2026-09-04
    days on market $42,500 Active 123 DOM
  16. 2026-09-03
    days on market $42,500 Active 122 DOM
  17. 2026-08-31
    days on market $42,500 Active 119 DOM
  18. 2026-08-30
    days on market $42,500 Active 118 DOM
  19. 2026-08-29
    days on market $42,500 Active 117 DOM
  20. 2026-08-28
    days on market $42,500 Active 116 DOM
  21. 2026-08-27
    days on market $42,500 Active 115 DOM
  22. 2026-08-26
    days on market $42,500 Active 114 DOM
  23. 2026-08-25
    days on market $42,500 Active 113 DOM
  24. 2026-08-24
    days on market $42,500 Active 112 DOM
  25. 2026-08-23
    days on market $42,500 Active 111 DOM
  26. 2026-08-22
    days on market $42,500 Active 110 DOM
  27. 2026-08-21
    days on market $42,500 Active 109 DOM
  28. 2026-08-20
    days on market $42,500 Active 108 DOM
  29. 2026-08-19
    days on market $42,500 Active 107 DOM
  30. 2026-08-18
    days on market $42,500 Active 106 DOM
  31. 2026-08-17
    days on market $42,500 Active 105 DOM
  32. 2026-08-16
    days on market $42,500 Active 104 DOM
  33. 2026-08-15
    days on market $42,500 Active 103 DOM
  34. 2026-08-14
    days on market $42,500 Active 102 DOM
  35. 2026-08-13
    days on market $42,500 Active 101 DOM
  36. 2026-08-12
    days on market $42,500 Active 100 DOM
  37. 2026-08-11
    days on market $42,500 Active 99 DOM
  38. 2026-08-10
    days on market $42,500 Active 98 DOM
  39. 2026-08-09
    days on market $42,500 Active 97 DOM
  40. 2026-08-08
    days on market $42,500 Active 96 DOM
  41. 2026-08-06
    days on market $42,500 Active 94 DOM
  42. 2026-08-05
    days on market $42,500 Active 93 DOM
  43. 2026-08-04
    days on market $42,500 Active 92 DOM
  44. 2026-08-03
    days on market $42,500 Active 91 DOM
  45. 2026-07-31
    days on market $42,500 Active 88 DOM
  46. 2026-07-30
    days on market $42,500 Active 87 DOM
  47. 2026-07-30
    days on market $42,500 Active 86 DOM
  48. 2026-07-28
    days on market $42,500 Active 85 DOM
  49. 2026-07-26
    days on market $42,500 Active 83 DOM
  50. 2026-07-24
    days on market $42,500 Active 81 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 9/10 Extreme 6 d/yr ≥111°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$16,976
− Mortgage interest
−$2,381
− Property taxes
−$638
− Insurance
−$212
− Repairs & maintenance
−$1,358
− Management
−$1,358
− Depreciation
−$1,236
Taxable income
$9,793
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,350
After-tax cash flow
$7,536/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

Average 55/100 Cosmetic rehab Est. rehab $5,140–$15,420 screening

This manufactured home is in average condition with some cosmetic updates needed to improve its resale and rental value.

Repairs flagged

  • Moderate kitchen cabinets — dated and worn
  • Moderate bathroom fixtures — dated and worn
  • Moderate exterior paint — moderate wear

Value-add opportunities

  • Both update kitchen cabinets and countertops — modernizing the kitchen would appeal to both buyers and renters
  • Both replace bathroom fixtures — modernizing the bathrooms would appeal to both buyers and renters
  • Both paint interior walls — fresh paint would improve the home's curb appeal and interior aesthetics
  • Both repair exterior siding — repairing the siding would improve the home's curb appeal and increase its 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 Desert Vista Elementary School F AZ #729/1,109 Nat'l #33,158/41,679 Middle Cactus Canyon Junior High F AZ #151/218 Nat'l #12,406/14,009 High Apache Junction High School F AZ #267/381 Nat'l #15,534/17,239

Schools (NCES district)

District
Apache Junction Unified District (4443)
NCES district ID
0400790
Math proficiency
15% ▼ -17.00%
Reading proficiency
20% ▼ -13.00%
Median HH income
$44,930
Composite
15.34/100
National rank
#9325
State rank
#195 of 249 in AZ
C Composite livability gradescore 66/100

Livability — Apache Junction

Score
66/100
State rank
#70
US rank
#11242

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Pinal County · 437,574 people
City population
56,611
Metro
Phoenix-Mesa-Chandler, AZ
Population (ZIP)
31,191
Household income
$57,786
Rent vs Own
17.8% rent · 82.2% own
Severe rent burden
14% of renters

Population outlook (Pinal County) Hauer SSP2

Today (2025)
437,574 people
By 2030
446,903 · +2.1%
By 2040
452,589 · +3.4%
By 2050
444,126 · +1.5%
By 2075
430,300 · -1.7%
By 2100
393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (77%)
Race & ethnicity
White 77% Hispanic / Latino 16% Two or more races 10% Asian 1%
Hispanic origin (detail)
Mexican 13%
Common ancestry
Romanian 3% Lithuanian 3% Portuguese 3%
Foreign-born
7% · Canada
Languages at home
89% English-only · Spanish 8% Tagalog/Filipino 1%

Political lean MEDSL · Pinal

2024 margin
Strong R (+22.1) · D 38.5% · R 60.6%
2008→2024 swing
-7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
All cycles
2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

Civics

Price history

-14.3% since first listed
11 events — show timeline
  • 2026-05-04 Listed $59,999 ARMLS
  • 2025-05-05 Listing Removed ARMLS
  • 2025-05-02 Listing Removed PAARMLS as Distributed by MLS Grid
  • 2025-04-27 Price Changed $59,500 PAARMLS as Distributed by MLS Grid
  • 2025-04-25 Relisted ARMLS
  • 2025-04-25 Price Changed $59,500 ARMLS
  • 2025-04-24 Price Changed $65,000 PAARMLS as Distributed by MLS Grid
  • 2025-03-08 Listing Removed ARMLS
  • 2025-03-05 Price Changed $65,000 ARMLS
  • 2025-01-16 Listed $70,000 PAARMLS as Distributed by MLS Grid
  • 2025-01-14 Listed $70,000 ARMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…