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C- Composite 54.98
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 +15.0/30.0
  • Appreciation +10.0/10.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Schools +4.1/10.0
  • Livability +3.4/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$14,000

807 Avenue F NE · Childress, TX 79201
3 bd · 1.5 ba · 1,080 sqft · SingleFamily · 1 Days on market
Built 1960 0.45 ac lot

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

Listing remarks

Located on Us Hwy 287

Key facts

  • 0.45 acre lot
  • Parking
  • Built 1960

Property features AI

Finance

  • Other: Property suitable for commercial, residential or investment use; Possession in 30-60 days
  • Financial info: Treat as clear loan type; No second mortgage
  • HOA & community: No association

Exterior

  • Parking: One covered parking space; One carport space; Additional parking available
  • Utilities: City sewer; No municipal utility district
  • Home design: Single family residence; Attached property; Built in 1960
  • Construction: Year built: 1960
  • Exterior features: Lot under 0.5 acre (about 0.4490 acres); Property is being sold as-is (existing home considered non-habitable); Highly visible location on US Highway 287

Interior

  • Kitchen: Kitchen on main level, approx. 10 x 12; Appliances: Other
  • Bedrooms: Three bedrooms (all on main level); Primary bedroom on main level, approx. 12 x 12; Bedroom on main level, approx. 10 x 10
  • Bathrooms: One full bathroom; One half bathroom
  • Interior features: One-level layout; Five total rooms; One living area; One dining area; Other interior features

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 3-bed/1.5-bath single-family listed at $14k.

Deal economics

  • At list price, monthly cash flow is $731 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $14k).

Location & tenants

  • Location reads 67/100 on livability (#516 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
  • Childress ISD (town): math 54% / reading 44% proficiency, ranked #204 of 826 in TX (top 25%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Childress El (math 55% / reading 48%, grade C-, #808 of 4,322 statewide, top 19%, 451 students, 72% FRL) — zoned schools average 72% FRL vs 50% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 36 active listings in the ZIP.

Forward outlook

  • In year one you build about $1k of equity ($97 loan paydown + $1k appreciation (10.0% local appreciation)).
  • Childress County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (10.0% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
Recommended offer $14,000

Questions for the listing agent

  1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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.
  4. 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.
  5. 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
7.49%
Cap rate
68.97%
Cash-on-cash
223.86%
DSCR
10.96
GRM
1.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
Equity multiple
14.83×
Total profit
$54,216
Equity at exit
$12,612
10-year hold
IRR
Equity multiple
32.39×
Total profit
$123,061
Equity at exit
$27,199

Cash invested: $3,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Texas
87 Strongly Landlord-Friendly · R+5
County
— inherits STATE
City
— inherits STATE
3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

ZIP-level market 79201

Home prices YoY
6.2%
Active inventory
36
Price-to-rent
1.1×

Monthly cashflow live

Estimated rent
$1,048 medium interval (Pro) →
Mortgage (P&I)
$73
Tax est. 1.5%
$18 /mo · $210/yr
Insurance
$6
HOA
$0
Vacancy / Maint / Mgmt
$220
Net cashflow
$731

Break-even live

Break-even rent $122
Max offer price $14,000
Occupancy floor 25%

Sensitivity live

Price -10% $741 -5% $736 +0% $731 +5% $726 +10% $722
Rent -10% $648 -5% $690 +0% $731 +5% $773 +10% $814
Rate -1.0pp $738 -0.5pp $735 base $731 +0.5pp $728 +1.0pp $724

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
$3,500
Closing costs
$420
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 2 events

  1. 2026-05-14
    status Pending
  2. 2026-05-11
    listed $14,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$12,578
− Mortgage interest
−$784
− Property taxes
−$210
− Insurance
−$70
− Repairs & maintenance
−$1,006
− Management
−$1,006
− Depreciation
−$407
Taxable income
$9,094
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,182
After-tax cash flow
$6,593/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
Childress ISD
NCES district ID
4813860
Math proficiency
54% ▼ -6.00%
Reading proficiency
44% ▼ -8.00%
Median HH income
$42,072
Composite
41.25/100
National rank
#3529
State rank
#204 of 826 in TX

Livability — Childress

Score
67/100
State rank
#516
US rank
#10179

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Childress, TX
Population (ZIP)
6,817

Population outlook (Childress County) Hauer SSP2

Today (2025)
7,082 people
By 2030
7,249 · +2.4%
By 2040
7,425 · +4.8%
By 2050
7,451 · +5.2%
By 2075
7,067 · -0.2%
By 2100
5,510 · -22.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.58)
Race & ethnicity
White 54% Hispanic / Latino 34% Two or more races 18% Black 7%
Hispanic origin (detail)
Mexican 26%
Common ancestry
Italian 4% Slovak 1% Lithuanian 1%
Foreign-born
4% · Canada
Languages at home
79% English-only · Spanish 21%

Political lean MEDSL · Childress

2024 margin
Solid R (+76.0) · D 11.6% · R 87.6%
2008→2024 swing
-20.1pp toward R · 2008: -56.0pp · 2024: -76.0pp
All cycles
2024: R+76.0 2020: R+71.7 2016: R+74.3 2012: R+67.4 2008: R+56.0

Not yet ingested

Civics

Market trends

HPI YoY
▲ 10.42%
Current HPI
179.442
Rent YoY
Metro
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

2 events — show timeline
  • 2026-05-14 Pending NTREIS
  • 2026-05-11 Listed $14,000 NTREIS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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