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17800 Cramer Dr
B- Composite 66.53
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 +9.1/10.0
  • ARV discount +7.5/15.0
  • Rent growth +3.2/5.0
  • Livability +2.9/5.0
  • Condition / age +2.2/5.0
  • Schools +1.5/10.0
  • Appreciation +0.0/10.0

$119,750

17800 Cramer Dr · Agua Dulce, TX 79928
3 bd · 2.0 ba · 1,000 sqft · Manufactured · 163 Days on market
Built 2010 Fair condition 0.29 ac lot ↓ 14% since listing

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

Listing remarks MLS

huge Lot Located in Horizon, just outside of the city, this property offers a spacious fully fenced lot paired with a 3 bedroom, 2 bathroom mobile home. The size of the lot gives you endless options to expand. Message me for more details or to schedule a visit!

Key facts

  • Huge lot
  • Fully fenced lot
  • 0.29 acre lot

Tags

HUGE LOTFULLY FENCED LOT

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 manufactured listed at $120k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $511 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $120k).
  • Recommended offer: $105k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 58/100 on livability (#1,202 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B; Watch: schools F, amenities F, commute F.
  • Clint ISD (suburban): math 14% / reading 22% proficiency, ranked #792 of 826 in TX (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising (+2.9%/yr); 2093 active listings in the ZIP; solid renter incomes; 2,196 units permitted in El Paso County in 2024 (143 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $828 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • El Paso County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 2.9% rent growth), your $34k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 163 days — a 12% lower offer ($105k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $105,380 (12.0% below list)

Questions for the listing agent

  1. It's been on market 163 days. Have you received any prior offers? Is the seller open to a 12% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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
1.41%
Cap rate
11.41%
Cash-on-cash
18.28%
DSCR
1.81
GRM
5.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.93% rent growth · sell at horizon

5-year hold
IRR
9.9%
Equity multiple
1.39×
Total profit
$13,033
Equity at exit
$17,855
10-year hold
IRR
18.9%
Equity multiple
2.58×
Total profit
$52,854
Equity at exit
$10,354

Cash invested: $33,530 (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 79928

Home prices YoY
-16.9%
Rents YoY
2.9%
Active inventory
2093
Price-to-rent
5.9×

Monthly cashflow live

Estimated rent
$1,694 medium interval (Pro) →
Mortgage (P&I)
$628
Tax est. 1.5%
$150 /mo · $1,796/yr
Insurance
$50
HOA
$0
Vacancy / Maint / Mgmt
$356
Net cashflow
$511

Break-even live

Break-even rent $1,048
Max offer price $119,750
Occupancy floor 65%

Sensitivity live

Price -10% $594 -5% $552 +0% $511 +5% $469 +10% $428
Rent -10% $377 -5% $444 +0% $511 +5% $578 +10% $645
Rate -1.0pp $571 -0.5pp $541 base $511 +0.5pp $480 +1.0pp $448

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
$29,938
Closing costs
$3,592
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 16 events

  1. 2026-06-18
    days on market $119,750 Active 163 DOM
  2. 2026-06-17
    days on market $119,750 Active 162 DOM
  3. 2026-06-16
    days on market $119,750 Active 161 DOM
  4. 2026-06-15
    days on market $119,750 Active 160 DOM
  5. 2026-06-13
    days on market $119,750 Active 158 DOM
  6. 2026-06-10
    days on market $119,750 Active 155 DOM
  7. 2026-06-09
    days on market $119,750 Active 154 DOM
  8. 2026-06-08
    days on market $119,750 Active 153 DOM
  9. 2026-06-07
    days on market $119,750 Active 152 DOM
  10. 2026-06-03
    days on market $119,750 Active 148 DOM
  11. 2026-06-03
    days on market $119,750 Active 147 DOM
  12. 2026-06-01
    days on market $119,750 Active 146 DOM
  13. 2026-05-31
    days on market $119,750 Active 145 DOM
  14. 2026-02-05
    price $119,750 265-char remark
    Show marketing remark (265 chars)

    huge Lot Located in Horizon, just outside of the city, this property offers a spacious fully fenced lot paired with a 3 bedroom, 2 bathroom mobile home. The size of the lot gives you endless options to expand. Message me for more details or to schedule a visit!

  15. 2026-01-07
    price $129,000 265-char remark
    Show marketing remark (265 chars)

    huge Lot Located in Horizon, just outside of the city, this property offers a spacious fully fenced lot paired with a 3 bedroom, 2 bathroom mobile home. The size of the lot gives you endless options to expand. Message me for more details or to schedule a visit!

  16. 2026-01-01
    listed $139,000 Active 265-char remark
    Show marketing remark (265 chars)

    huge Lot Located in Horizon, just outside of the city, this property offers a spacious fully fenced lot paired with a 3 bedroom, 2 bathroom mobile home. The size of the lot gives you endless options to expand. Message me for more details or to schedule a visit!

ⓘ 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 · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 6/10 Major 7 d/yr ≥100°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 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
$20,329
− Mortgage interest
−$6,708
− Property taxes
−$1,796
− Insurance
−$599
− Repairs & maintenance
−$1,626
− Management
−$1,626
− Depreciation
−$3,484
Taxable income
$4,490
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,078
After-tax cash flow
$5,052/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

Fair 45/100 Moderate rehab

This mobile home requires moderate repairs and maintenance, including exterior siding and interior paint touch-ups. Landscaping and curb appeal improvements can significantly enhance its value for both resale and rental purposes.

Repairs flagged

  • Major exterior siding — Significant wear and tear on the exterior of the mobile home.
  • Minor interior paint — Faded paint in some areas, which can be touched up with a fresh coat.

Value-add opportunities

  • Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value.
  • Both Painting and touch-ups throughout the interior — Fresh paint can make the home more appealing and increase its value.
  • Both HVAC maintenance — A clean and functioning HVAC system is essential for both comfort and energy efficiency.
  • Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value.

Renovation cost estimate screening

Repair itemSeverityEst. cost
exterior siding · Significant wear and tear on the exterior of the mobile home. Major $15,000–50,000
interior paint · Faded paint in some areas, which can be touched up with a fresh coat. Minor $500–3,000
Total estimated repair cost · 2 items $15,500–53,000

Value-add ROI direction

  • Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value.
  • Both Painting and touch-ups throughout the interior — Fresh paint can make the home more appealing and increase its value.
  • Both HVAC maintenance — A clean and functioning HVAC system is essential for both comfort and energy efficiency.
  • Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental 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
Clint ISD
NCES district ID
4814430
Math proficiency
14% ▼ -32.00%
Reading proficiency
22% ▼ -15.00%
Median HH income
$37,490
Composite
15.03/100
National rank
#9356
State rank
#792 of 826 in TX

Livability — Agua Dulce

Score
58/100
State rank
#1202
US rank
#21027

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
El Paso County · 761,266 people
City population
86,599
Metro
El Paso, TX
Population (ZIP)
86,599
Household income
$76,643
Rent vs Own
13.4% rent · 86.6% own
Severe rent burden
838.0

Population outlook (El Paso County) Hauer SSP2

Today (2025)
897,899 people
By 2030
922,694 · +2.8%
By 2040
960,492 · +7.0%
By 2050
982,919 · +9.5%
By 2075
997,266 · +11.1%
By 2100
900,630 · +0.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (89%)
Race & ethnicity
Hispanic / Latino 89% Two or more races 39% White 7% Black 2% Native American 2%
Hispanic origin (detail)
Mexican 84%
Foreign-born
23% · Canada
Languages at home
25% English-only · Spanish 74% Other Asian/Pacific 1%

Political lean MEDSL · El Paso

2024 margin
D (+15.1) · D 57.0% · R 41.8% · Other 1.2%
2008→2024 swing
-17.4pp toward R · 2008: 32.5pp · 2024: 15.1pp
All cycles
2024: D+15.1 2020: D+35.1 2016: D+43.2 2012: D+32.6 2008: D+32.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -40.72%
Current HPI
200.6454
Rent YoY
▲ 2.93%
Metro
El Paso, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-13.8% since first listed
3 events — show timeline
  • 2026-02-05 Price Changed $119,750 GEPARMLS
  • 2026-01-07 Price Changed $129,000 GEPARMLS
  • 2026-01-01 Listed $139,000 GEPARMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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