994 Cr 170 · Loma Linda East, TX 78332

$125,000

3 bd · 2.0 ba · 1,792 sqft · SingleFamily public records · 52 Days on market

Built 1985 Poor condition 3.00 ac lot $70/sqft · 72% below area

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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 +26.8/30.0
• DSCR +9.2/10.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Rent growth +2.5/5.0
• Livability +2.1/5.0
• Schools +1.5/10.0
• Condition / age +1.0/5.0
• Appreciation +0.0/10.0

Listing remarks

3 bedroom, 2 bathroom home situated on approximately 3 acres, offering plenty of space and potential for the right buyer. Property includes a water well and is surrounded by mature trees, giving it a private, rural setting. This home is in need of significant repairs and is not currently in livable condition. Ideal for investors, flippers, or buyers looking for a full renovation project or potential rebuild opportunity. With acreage, utilities in place, and a great footprint, this property offers a strong foundation to create something truly special. Buyer to verify all property details, utilities, and condition.

Key facts

• Acreage
• Water well
• Utilities in place

Tags

• WATER WELL
• MATURE TREES
• PRIVATE RURAL SETTING
• ACREAGE
• UTILITIES IN PLACE
• GREAT FOOTPRINT

Property features AI

Finance

• Other: 3.0 acre lot (horses allowed)

Exterior

• Parking: Concrete front entry parking
• Utilities: Well water; Septic available; Water available
• Home design: Single-story; Brick construction; Slab foundation; Shingle roof
• Construction: Brick construction; Shingle roof; Slab foundation; Built as a single-story
• Exterior features: Covered patio; Patio; Chain link fencing; Cross fenced; In-ground pool

Interior

• Flooring: Unfinished
• Bathrooms: 2 full bathrooms
• Interior features: Unfinished flooring; No additional interior features listed
• Laundry & utility: Washer hookup; Dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $125k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $343 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 43/100 on livability (#1,578 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A; Watch: health & safety C-, schools F, amenities F.
• Alice ISD (town): math 12% / reading 23% proficiency, ranked #799 of 826 in TX (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 220 active listings in the ZIP; 6 units permitted in Jim Wells County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Jim Wells County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
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. 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.
6. 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.
7. 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: 1.18% ✓
• Cap rate: 9.59%
• Cash-on-cash: 11.77%
• DSCR: 1.52
• GRM: 7.0

CMA / ARV

• ARV (median comp): $445,718
• List price: $125,000
• Delta: -71.96%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 1.2%
• Equity multiple: 1.05×
• Total profit: $1,598
• Equity at exit: $18,638

10-year hold

• IRR: 10.8%
• Equity multiple: 1.84×
• Total profit: $29,528
• Equity at exit: $10,808

Cash invested: $35,000 (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.

Methodology + full state rankings →

ZIP-level market 78332

• Active inventory: 220
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,479 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$117 /mo · $1,408/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$310
• Net cashflow: $343

Break-even live

Break-even rent $1,044

Max offer price $125,000

Occupancy floor 72%

Sensitivity live

Price	-10% $414	-5% $379	+0% $343	+5% $308	+10% $272
Rent	-10% $226	-5% $285	+0% $343	+5% $402	+10% $460
Rate	-1.0pp $406	-0.5pp $375	base $343	+0.5pp $311	+1.0pp $278

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-18
   days on market $125,000 Active 52 DOM
2. 2026-06-17
   days on market $125,000 Active 51 DOM
3. 2026-06-16
   days on market $125,000 Active 50 DOM
4. 2026-06-15
   days on market $125,000 Active 49 DOM
5. 2026-06-13
   days on market $125,000 Active 47 DOM
6. 2026-06-12
   days on market $125,000 Active 46 DOM
7. 2026-06-09
   days on market $125,000 Active 43 DOM
8. 2026-06-08
   days on market $125,000 Active 42 DOM
9. 2026-06-08
   days on market $125,000 Active 41 DOM
10. 2026-06-07
    days on market $125,000 Active 40 DOM
11. 2026-06-03
    days on market $125,000 Active 37 DOM
12. 2026-06-02
    days on market $125,000 Active 36 DOM
13. 2026-06-01
    days on market $125,000 Active 35 DOM
14. 2026-05-31
    days on market $125,000 Active 34 DOM
15. 2026-04-27
    listed $125,000 Active 620-char remark

ⓘ 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: $1,408 · $117/mo
• Projected year-2 tax: $2,288 · $191/mo
• Expected delta: +$880/yr (+$73/mo · 62.5%)

ⓘ 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 8/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,743
• − Mortgage interest: −$7,002
• − Property taxes: −$1,408
• − Insurance: −$625
• − Repairs & maintenance: −$1,419
• − Management: −$1,419
• − Depreciation: −$3,636
• Taxable income: $2,233
• Est. tax owed @ 24.0%: −$536
• After-tax cash flow: $3,582/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 · 9 photos

Poor 20/100 Extensive rehab

This property requires extensive repairs and renovations to bring it up to livable standards. Significant work is needed on the roof, exterior walls, flooring, and interior spaces to make it move-in ready.

Repairs flagged

• Major roof — Significant damage
• Major exterior walls — Exposed brick, peeling paint
• Major flooring — Exposed concrete floor
• Major interior walls — Exposed brick walls, peeling paint
• Major bathrooms — Exposed brick walls, no visible fixtures
• Major kitchen — Exposed brick walls, no visible fixtures
• Major HVAC/mechanicals — Exposed ductwork, no visible HVAC system

Value-add opportunities

• Both Landscaping and curb appeal — Improving the property's appearance can attract more buyers and renters
• Both HVAC system — A functional HVAC system is essential for comfort and energy efficiency
• Both Interior walls and flooring — Updating the interior will make the home more attractive and functional
• Both Bathrooms and kitchen — Modernizing these spaces will increase the home's appeal and functionality
• Both Exterior walls and roof — Aesthetic and structural improvements will enhance the home's curb appeal and value

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant damage	Major	$15,000–50,000
exterior walls · Exposed brick, peeling paint	Major	$15,000–50,000
flooring · Exposed concrete floor	Major	$15,000–50,000
interior walls · Exposed brick walls, peeling paint	Major	$15,000–50,000
bathrooms · Exposed brick walls, no visible fixtures	Major	$15,000–50,000
kitchen · Exposed brick walls, no visible fixtures	Major	$15,000–50,000
HVAC/mechanicals · Exposed ductwork, no visible HVAC system	Major	$15,000–50,000
Total estimated repair cost · 7 items		$105,000–350,000

Value-add ROI direction

• Both Landscaping and curb appeal — Improving the property's appearance can attract more buyers and renters ↑
• Both HVAC system — A functional HVAC system is essential for comfort and energy efficiency ↑
• Both Interior walls and flooring — Updating the interior will make the home more attractive and functional ↑
• Both Bathrooms and kitchen — Modernizing these spaces will increase the home's appeal and functionality ↑
• Both Exterior walls and roof — Aesthetic and structural improvements will enhance the home's curb appeal and value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Alice ISD
• NCES district ID: 4807800
• Math proficiency: 12% ▼ -18.00%
• Reading proficiency: 23% ▼ -7.00%
• Median HH income: $37,747
• Composite: 14.63/100
• National rank: #9407
• State rank: #799 of 826 in TX

Livability — Loma Linda East

• Score: 43/100
• State rank: #1578
• US rank: #26942

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 27,281

Population outlook (Jim Wells County) Hauer SSP2

• Today (2025): 43,325 people
• By 2030: 44,156 · +1.9%
• By 2040: 45,790 · +5.7%
• By 2050: 47,455 · +9.5%
• By 2075: 51,800 · +19.6%
• By 2100: 52,006 · +20.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (84%)
• Race & ethnicity: Hispanic / Latino 84% White 14% Two or more races 14%
• Hispanic origin (detail): Mexican 76%
• Foreign-born: 4% · Canada
• Languages at home: 50% English-only · Spanish 49%

Political lean MEDSL · Jim Wells

• 2024 margin: R (+15.5) · D 42.0% · R 57.5%
• 2008→2024 swing: -31.6pp toward R · 2008: 16.1pp · 2024: -15.5pp
• All cycles: 2024: R+15.5 2020: R+9.8 2016: D+10.3 2012: D+17.0 2008: D+16.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -123.86%
• Current HPI: 77.6253
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

1 event — show timeline

• 2026-04-27 Listed $125,000 CBMLS

Property tax history

-18.2%/yr

Latest (2025): $1,408 · -18.2% YoY. Source: county tax records.