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C- Composite 54.35
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 +20.5/30.0
  • Appreciation +10.0/10.0
  • DSCR +6.5/10.0
  • 1% rule +5.4/10.0
  • Livability +3.4/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • ARV discount +2.1/15.0
  • Schools +1.4/10.0

$174,000

52 Sweet William Rd · Ridgeland, SC 29936
2 bd · 2.0 ba · 1,232 sqft · Manufactured public records · 106 Days on market
Built 1993 1.01 ac lot Est $155k · 12% over ↓ 3% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

Key facts

  • Large 1 acre lot
  • Great location
  • 1.01 acre lot

Tags

LARGE 1 ACRE LOTGREAT LOCATION

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 2-bed/2.0-bath manufactured listed at $174k.

Deal economics

  • At list price, monthly cash flow is $230 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $174k).
  • Recommended offer: $158k (9.0% below list) — sets the bar for market timing.
  • Cap rate 7.9% vs local median 4.5% in Ridgeland — 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 68/100 on livability (#81 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: schools F, crime D-, amenities F.
  • Jasper 01 (rural): math 12% / reading 22% proficiency, ranked #77 of 80 in SC (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 358 active listings in the ZIP; 1,385 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).
  • This rent runs 44% of the median local income ($49k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • In year one you build about $19k of equity ($1k loan paydown + $17k appreciation (10.0% local appreciation)).
  • Jasper County population projected at +46% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (10.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~3 years — after that, you're playing with house money.
  • By year 3, paydown + projected appreciation supports a ~$47k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 106 days — a 9% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $158,340 (9.0% below list)

Questions for the listing agent

  1. It's been on market 106 days. Have you received any prior offers? Is the seller open to a 9% 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
1.04%
Cap rate
7.88%
Cash-on-cash
5.67%
DSCR
1.25
GRM
8.0

CMA / ARV

ARV (on-the-fly)
$155,232
Comps found
1
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
52 Sweet William Rd 0.00mi 2/2.0 1,188 (-4%) 1mo $150,000 $126 94

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
28.4%
Equity multiple
3.25×
Total profit
$109,445
Equity at exit
$156,753
10-year hold
IRR
24.7%
Equity multiple
7.38×
Total profit
$310,829
Equity at exit
$338,044

Cash invested: $48,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State South Carolina
90 Strongly Landlord-Friendly · R+6
County
— inherits STATE
City
— inherits STATE
5-day notice; preempted; landlord-favorable.

ZIP-level market 29936

Home prices YoY
33.1%
Active inventory
358
Price-to-rent
8.0×

Monthly cashflow live

Estimated rent
$1,813 medium interval (Pro) →
Mortgage (P&I)
$912
Tax est. 1.5%
$218 /mo · $2,610/yr
Insurance
$72
HOA
$0
Vacancy / Maint / Mgmt
$381
Net cashflow
$230

Break-even live

Break-even rent $1,522
Max offer price $174,000
Occupancy floor 82%

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
$43,500
Closing costs
$5,220
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 13 events

  1. 2026-05-06
    status Pending 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  2. 2026-05-05
    status Pending
  3. 2026-04-14
    price $174,000
  4. 2026-03-19
    status Active 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  5. 2026-03-19
    status Active
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  6. 2026-02-27
    status Pending
  7. 2026-02-21
    status Pending 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  8. 2026-01-02
    status Active 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  9. 2026-01-02
    status Active
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  10. 2025-09-18
    status Pending 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  11. 2025-09-18
    status Pending
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  12. 2025-09-15
    listed $179,500 Active 189-char remark
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

  13. 2025-09-15
    listed $179,900 Active
    Show marketing remark (189 chars)

    Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.

ⓘ 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 7/10 Severe
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
$21,760
− Mortgage interest
−$9,747
− Property taxes
−$2,610
− Insurance
−$870
− Repairs & maintenance
−$1,741
− Management
−$1,741
− Depreciation
−$5,062
Taxable loss
−$10
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2
After-tax cash flow
$2,763/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
Jasper 01
NCES district ID
4502520
Math proficiency
12% ▼ -11.00%
Reading proficiency
22% ▼ -5.00%
Median HH income
$37,878
Composite
14.23/100
National rank
#9450
State rank
#77 of 80 in SC

Livability — Ridgeland

Score
68/100
State rank
#81
US rank
#9324

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Jasper County · 26,362 people
City population
14,989
Metro
Hilton Head Island-Bluffton, SC
Population (ZIP)
14,989
Household income
$48,986
Rent vs Own
29.2% rent · 70.8% own
Severe rent burden
395.0

Population outlook (Jasper County) Hauer SSP2

Today (2025)
34,428 people
By 2030
37,718 · +9.6%
By 2040
44,061 · +28.0%
By 2050
50,302 · +46.1%
By 2075
66,869 · +94.2%
By 2100
110,455 · +220.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
Black 44% White 37% Hispanic / Latino 14% Two or more races 7%
Hispanic origin (detail)
Mexican 9% Puerto Rican 1%
Common ancestry
Serbian 2% Lithuanian 1% Italian 1%
Foreign-born
8% · Canada
Languages at home
86% English-only · Spanish 13%

Political lean MEDSL · Jasper

2024 margin
Lean R (+9.6) · D 44.7% · R 54.3% · Other 1.0%
2008→2024 swing
-32.5pp toward R · 2008: 22.9pp · 2024: -9.6pp
All cycles
2024: R+9.6 2020: D+0.8 2016: D+11.9 2012: D+15.6 2008: D+22.9

Not yet ingested

Civics

Market trends

HPI YoY
▲ 88.70%
Current HPI
356.5493
Rent YoY
Metro
Hilton Head Island-Bluffton, SC
State GDP YoY
▲ 4.51%
F500 in state
2

Industry mix (Fortune 500 HQ in SC)

Industry F500 HQs Revenue

Price history

-3.3% since first listed
13 events — show timeline
  • 2026-05-06 Pending RSMLS
  • 2026-05-05 Pending LRMLS
  • 2026-04-14 Price Changed $174,000 LRMLS
  • 2026-03-19 Relisted RSMLS
  • 2026-03-19 Relisted LRMLS
  • 2026-02-27 Pending LRMLS
  • 2026-02-21 Pending RSMLS
  • 2026-01-02 Relisted RSMLS
  • 2026-01-02 Relisted LRMLS
  • 2025-09-18 Pending RSMLS
  • 2025-09-18 Pending LRMLS
  • 2025-09-15 Listed $179,500 RSMLS
  • 2025-09-15 Listed $179,900 LRMLS

Property tax history

-13.5%/yr

Latest (2025): $69 · -0.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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