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519 W 25th St
B- Composite 67.1
Why this score? — see what drove the B- 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 +30.0/30.0
  • DSCR +10.0/10.0
  • 1% rule +8.8/10.0
  • ARV discount +7.5/15.0
  • Livability +3.8/5.0
  • Condition / age +2.5/5.0
  • Rent growth +2.3/5.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$152,000

519 W 25th St · Odessa, TX 79761
3 bd · 2.0 ba · 2,128 sqft · SingleFamily public records · 27 Days on market
Built 1956 8,712 sqft lot

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

Listing remarks

Odessa home in a convenient central location! This property offers comfortable living with a functional layout, spacious bedrooms, and a cozy living area, Enjoy a generous backyard with room for pets, play, Great opportunity for first-time buyers, Close to schools, shopping, dining, and easy access to major roads.

Key facts

  • Close to schools
  • Central location
  • Generous backyard

Tags

CENTRAL LOCATIONGENEROUS BACKYARDCLOSE TO SCHOOLSEASY ACCESS TO MAJOR ROADS

Property features AI

Exterior

  • Parking: Carport
  • Utilities: Public water; Public sewer; Propane available
  • Home design: Residential single-family home
  • Construction: Pillar/post/pier foundation
  • Exterior features: Composition roof; Corner lot; Paved road access; Storage structure on property; Solar energy generation

Interior

  • Kitchen: Electric cooktop; Oven; Dishwasher; Refrigerator
  • Flooring: Carpet; Vinyl
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: Gas water heater; Electric cooktop; Dishwasher; Refrigerator; Oven; No fireplace

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/2.0-bath single-family listed at $152k.

Deal economics

  • At list price, monthly cash flow is $679 ($8k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $152k).
  • Recommended offer: $150k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 75/100 on livability (#132 in TX, #3,928 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute D+, amenities D.
  • Ector County ISD (urban): math 22% / reading 27% proficiency, ranked #707 of 826 in TX (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: San Jacinto El (math 43% / reading 34%, grade F, #1,680 of 4,322 statewide, top 40%, 396 students, 83% FRL); Bowie Middle (math 11% / reading 21%, grade F, #1,543 of 1,662 statewide, top 94%, 914 students, 74% FRL); Odessa H S (math 18% / reading 22%, grade F, #1,397 of 1,632 statewide, top 87%, 3,874 students, 68% FRL) — zoned schools average 75% FRL vs 56% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents soft (-0.7%/yr); 96 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 1,004 units permitted in Ector County in 2024 (0 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Ector County population projected at +78% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 0.0% rent growth), your $43k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 27 days — a 2% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
  • 2 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

  • Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $149,720 (1.5% below list)

Questions for the listing agent

  1. Built in 1956 — 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. 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?
  4. 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.
  5. 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.
  6. 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
1.38%
Cap rate
11.65%
Cash-on-cash
19.14%
DSCR
1.85
GRM
6.0

CMA / ARV

ARV (on-the-fly)
$46,816
Comps found
1
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
709 W 20th St 0.34mi 3/2.0 2,084 (-2%) 24mo $44,900 $22 61

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
7.7%
Equity multiple
1.29×
Total profit
$12,447
Equity at exit
$22,664
10-year hold
IRR
14.4%
Equity multiple
2.00×
Total profit
$42,684
Equity at exit
$13,142

Cash invested: $42,560 (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 79761

Home prices YoY
-31.4%
Rents YoY
-0.7%
Active inventory
96
Price-to-rent
6.0×

Monthly cashflow live

Estimated rent
$2,101 high interval (Pro) →
Mortgage (P&I)
$797
Tax from tax record
$120 /mo · $1,444/yr
Insurance
$63
HOA
$0
Vacancy / Maint / Mgmt
$441
Net cashflow
$679

Break-even live

Break-even rent $1,242
Max offer price $152,000
Occupancy floor 63%

Sensitivity live

Price -10% $765 -5% $722 +0% $679 +5% $636 +10% $593
Rent -10% $513 -5% $596 +0% $679 +5% $762 +10% $845
Rate -1.0pp $756 -0.5pp $718 base $679 +0.5pp $640 +1.0pp $600

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
$38,000
Closing costs
$4,560
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.

Rent comps 6 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1506 N Alleghaney Ave Odessa, TX 4.0 2.0 2400 $2,650 $1.10 22d 1 0.64mi
200 Santa Rita Dr Odessa, TX 3.0 2.0 1438 $2,400 $1.67 44d 1 0.66mi
237 Orchard Dr Odessa, TX 4.0 2.0 1768 $2,000 $1.13 14d 1 0.75mi
314 Santa Rita Dr Odessa, TX 3.0 2.0 2072 $1,875 $0.90 22d 1 0.79mi
1800 W 23rd St Odessa, TX 3.0 2.5 1880 $2,650 $1.41 44d 1 1.06mi
1401 E 18th St Odessa, TX 3.0 2.0 1690 $2,000 $1.18 14d 1 1.43mi

Listing history 11 events

  1. 2026-06-21
    days on market $152,000 Active 27 DOM
  2. 2026-06-19
    days on market $152,000 Active 25 DOM
  3. 2026-06-18
    days on market $152,000 Active 24 DOM
  4. 2026-06-17
    days on market $152,000 Active 23 DOM
  5. 2026-06-16
    days on market $152,000 Active 22 DOM
  6. 2026-06-15
    days on market $152,000 Active 21 DOM
  7. 2026-06-14
    days on market $152,000 Active 19 DOM
  8. 2026-06-13
    days on market $152,000 Active 18 DOM
  9. 2026-06-10
    days on market $152,000 Active 16 DOM
  10. 2026-06-09
    remarks 315-char remark
  11. 2026-06-09
    listed $152,000 Active 15 DOM

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

Tax reassessment forecast TX · Resets to sale price

Current annual tax
$1,444 · $120/mo
Projected year-2 tax
$2,782 · $232/mo
Expected delta
+$1,337/yr (+$111/mo · 92.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 6/10 Major 7 d/yr ≥101°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
  • 🫁 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
$25,212
− Mortgage interest
−$8,514
− Property taxes
−$1,444
− Insurance
−$760
− Repairs & maintenance
−$2,017
− Management
−$2,017
− Depreciation
−$4,422
Taxable income
$6,038
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,449
After-tax cash flow
$6,699/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
Ector County ISD
NCES district ID
4818000
Math proficiency
22% ▼ -9.00%
Reading proficiency
27% ▼ -4.00%
Median HH income
$52,740
Composite
21.89/100
National rank
#8233
State rank
#707 of 826 in TX

Livability — Odessa

Score
75/100
State rank
#132
US rank
#3928

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Odessa, TX
County
Ector County · 131,169 people
City population
131,169
Metro
Odessa, TX
Population (ZIP)
30,164
Household income
$68,228
Rent vs Own
41.7% rent · 58.3% own
Severe rent burden
1352.0

Population outlook (Ector County) Hauer SSP2

Today (2025)
212,765 people
By 2030
241,962 · +13.7%
By 2040
306,582 · +44.1%
By 2050
379,755 · +78.5%
By 2075
568,991 · +167.4%
By 2100
709,829 · +233.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (67%)
Race & ethnicity
Hispanic / Latino 67% White 23% Two or more races 20% Black 8% Asian 1%
Hispanic origin (detail)
Mexican 61%
Common ancestry
Slovak 1%
Foreign-born
18% · Canada
Languages at home
50% English-only · Spanish 48%

Political lean MEDSL · Ector

2024 margin
Solid R (+52.9) · D 23.2% · R 76.1%
2008→2024 swing
-4.9pp toward R · 2008: -48.0pp · 2024: -52.9pp
All cycles
2024: R+52.9 2020: R+47.8 2016: R+40.6 2012: R+48.9 2008: R+48.0

Not yet ingested

Civics

Market trends

HPI YoY
▼ -116.66%
Current HPI
254.9159
Rent YoY
▼ -0.66%
Metro
Odessa, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

4 events — show timeline
  • 2026-06-09 Relisted ODMLS
  • 2026-03-03 Delisted ODMLS
  • 2026-02-18 Listed $152,000 ODMLS
  • 2026-01-09 Sold (Public Records) Public Records

Property tax history

-5.0%/yr

Latest (2025): $1,444 · -38.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…