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546 Georgetown St
B+ Composite 75.99
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
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Condition / age +3.8/5.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Schools +1.5/10.0
  • Appreciation +0.0/10.0

$84,999

546 Georgetown St · Beaumont, TX 77707
2 bd · 1.0 ba · 1,079 sqft · SingleFamily · 67 Days on market
Good condition $79/sqft · 45% below area Est $155k · 45% under ↓ 20% since listing

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

Listing remarks MLS

This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

Key facts

  • One-car garage
  • Private patio
  • Corner lot

Tags

CORNER LOTOPEN-CONCEPT LAYOUTPRIVATE PATIOONE-CAR GARAGE

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/1.0-bath single-family listed at $85k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $515 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $85k).
  • Recommended offer: $80k (6.0% below list) — sets the bar for market timing.
  • Cap rate 13.6% vs local median 5.3% in Beaumont — 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 64/100 on livability (#739 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, crime F.
  • Beaumont ISD (urban): math 14% / reading 22% proficiency, ranked #789 of 826 in TX (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 151 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 343 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $587 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 67 days — a 6% lower offer ($80k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 3y ago; this cycle's ask has dropped $25k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $79,899 (6.0% below list)

Questions for the listing agent

  1. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 6% 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 D-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 F 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
1.64%
Cap rate
13.56%
Cash-on-cash
25.97%
DSCR
2.16
GRM
5.1

CMA / ARV

ARV (median comp)
$154,581
List price
$84,999
Delta
-45.01%
Verdict
UNDERPRICED
Comps
9 within 1.0 mi

Projected returns pro-forma

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

5-year hold
IRR
19.7%
Equity multiple
1.80×
Total profit
$19,052
Equity at exit
$12,674
10-year hold
IRR
28.0%
Equity multiple
3.48×
Total profit
$58,917
Equity at exit
$7,349

Cash invested: $23,800 (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 77707

Active inventory
151
Price-to-rent
5.1×

Monthly cashflow live

Estimated rent
$1,396 high interval (Pro) →
Mortgage (P&I)
$446
Tax est. 1.5%
$106 /mo · $1,275/yr
Insurance
$35
HOA
$0
Vacancy / Maint / Mgmt
$293
Net cashflow
$515

Break-even live

Break-even rent $744
Max offer price $84,999
Occupancy floor 58%

Sensitivity live

Price -10% $574 -5% $544 +0% $515 +5% $486 +10% $456
Rent -10% $405 -5% $460 +0% $515 +5% $570 +10% $625
Rate -1.0pp $558 -0.5pp $537 base $515 +0.5pp $493 +1.0pp $471

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
$21,250
Closing costs
$2,550
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 18 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
551 Georgetown St Beaumont, TX 2.0 1.5 1317 $1,300 $0.99 44d 1 0.04mi
745 Jeny Ln Beaumont, TX 3.0 1.0 1008 $1,190 $1.18 24d 1 0.36mi
345 Marceline Blvd Beaumont, TX 2.0 1.5 1200 $2,250 $1.88 24d 1 0.54mi
345 Marceline Blvd Beaumont, TX 2.0 1.5 1200 $1,850 $1.54 22d 1 0.54mi
85 E Caldwood Dr #6 Beaumont, TX 2.0 1.5 1331 $1,250 $0.94 24d 1 0.70mi
85 E Caldwood Dr Beaumont, TX 2.0 1.5 1330 $1,223 $0.92 44d 2 0.70mi
520 Dowlen Rd Beaumont, TX 1.0–2.0 1.0–2.0 940 $1,050 $1.12 14d 10 0.70mi
458 Belvedere Dr Beaumont, TX 3.0 2.0 1465 $1,595 $1.09 22d 1 0.71mi
6561 Lexington Dr Beaumont, TX 2.0 2.0 1321 $1,011 $0.77 44d 1 0.76mi
6250 Ivanhoe Ln Beaumont, TX 1.0–2.0 1.0–2.0 885 $1,604 $1.81 14d 9 0.76mi
379 Pinchback Rd Beaumont, TX 2.0 1.5 1254 $1,175 $0.94 44d 1 0.80mi
6860 Prutzman Rd Unit 18 Beaumont, TX 2.0 1.0 884 $1,100 $1.24 44d 1 0.95mi
5110 Laurel St Beaumont, TX 3.0 2.0 1303 $1,995 $1.53 22d 1 0.99mi
1425 Washington Village Pkwy Beaumont, TX 1.0–2.0 1.0 861 $1,065 $1.24 14d 1 1.09mi
565 25th St Beaumont, TX 2.0 2.0 1128 $1,650 $1.46 14d 1 1.36mi
565 24th St Beaumont, TX 2.0 1.0 849 $1,125 $1.33 44d 1 1.39mi
3720 Laurel Ave Unit Laurel Ave unit 12 Beaumont, TX 2.0 1.5 1188 $1,095 $0.92 24d 1 1.43mi
3720 Laurel St #6 Beaumont, TX 2.0 1.5 1152 $1,095 $0.95 14d 1 1.44mi

Listing history 28 events

  1. 2026-06-18
    price $84,999 Active 67 DOM
  2. 2026-06-18
    days on market $89,999 Active 67 DOM
  3. 2026-06-17
    days on market $89,999 Active 66 DOM
  4. 2026-06-16
    days on market $89,999 Active 65 DOM
  5. 2026-06-15
    days on market $89,999 Active 64 DOM
  6. 2026-06-14
    days on market $89,999 Active 62 DOM
  7. 2026-06-13
    days on market $89,999 Active 61 DOM
  8. 2026-06-10
    days on market $89,999 Active 59 DOM
  9. 2026-06-09
    days on market $89,999 Active 58 DOM
  10. 2026-06-08
    days on market $89,999 Active 57 DOM
  11. 2026-06-07
    days on market $89,999 Active 56 DOM
  12. 2026-06-03
    days on market $89,999 Active 52 DOM
  13. 2026-06-02
    days on market $89,999 Active 51 DOM
  14. 2026-06-01
    days on market $89,999 Active 50 DOM
  15. 2026-05-31
    days on market $89,999 Active 49 DOM
  16. 2026-05-30
    pricedays on market $89,999 Active 48 DOM
  17. 2026-05-05
    price $94,900 570-char remark
    Show marketing remark (570 chars)

    This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

  18. 2026-04-17
    status Active 570-char remark
    Show marketing remark (570 chars)

    This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

  19. 2026-04-17
    price $99,900 570-char remark
    Show marketing remark (570 chars)

    This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

  20. 2026-04-10
    status Pending 570-char remark
    Show marketing remark (570 chars)

    This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

  21. 2026-04-06
    listed $110,000 Active 570-char remark
    Show marketing remark (570 chars)

    This Corner-Lot Townhouse with 2-bedroom, 1-bathroom offers an inviting open-concept layout, perfect for seamless living and entertaining. Situated on a corner lot, the home boasts privacy. Step inside to discover a floor plan, complete with handicap-friendly features for ultimate convenience. The bright and airy living space leads effortlessly into the kitchen and dining areas, creating a welcoming atmosphere. Enjoy tranquil outdoor moments on your private patio, ideal for relaxing or hosting gatherings. A one-car garage provides secure parking and extra storage.

  22. 2025-08-27
    price $118,500
  23. 2025-07-09
    price $120,000
  24. 2025-06-26
    price $124,900
  25. 2025-06-20
    price $129,900
  26. 2023-07-21
    soldstatus Closed
  27. 2023-06-23
    status Pending
  28. 2023-06-19
    listed $119,000 Active

ⓘ 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 4/10 Moderate FEMA zone X · 22% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥110°F today · 25 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 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
$16,746
− Mortgage interest
−$4,761
− Property taxes
−$1,275
− Insurance
−$425
− Repairs & maintenance
−$1,340
− Management
−$1,340
− Depreciation
−$2,473
Taxable income
$5,133
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,232
After-tax cash flow
$4,949/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 · 12 photos

Good 75/100 Cosmetic rehab

This corner-lot townhouse offers a good condition with a good ROI potential for both resale and rental due to its inviting open-concept layout and private patio.

Value-add opportunities

  • Both Paint exterior — Enhances curb appeal and value
  • Both Clean gutters — Improves drainage and overall appearance

Renovation cost estimate screening

Value-add ROI direction

  • Both Paint exterior — Enhances curb appeal and value
  • Both Clean gutters — Improves drainage and overall appearance

ⓘ 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
Beaumont ISD
NCES district ID
4809670
Math proficiency
14% ▼ -13.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$41,683
Composite
15.43/100
National rank
#9316
State rank
#789 of 826 in TX

Livability — Beaumont

Score
64/100
State rank
#739
US rank
#13710

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Beaumont, TX
County
Jefferson County · 203,592 people
City population
125,901
Metro
Beaumont-Port Arthur, TX
Population (ZIP)
18,323
Household income
$69,756
Rent vs Own
31.8% rent · 68.2% own
Severe rent burden
596.0

Population outlook (Jefferson County) Hauer SSP2

Today (2025)
259,015 people
By 2030
260,685 · +0.6%
By 2040
263,309 · +1.7%
By 2050
265,237 · +2.4%
By 2075
270,193 · +4.3%
By 2100
255,628 · -1.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.70)
Race & ethnicity
Black 40% White 28% Hispanic / Latino 23% Two or more races 18% Asian 6%
Hispanic origin (detail)
Mexican 19%
Common ancestry
Lithuanian 3% Italian 1% Romanian 1%
Foreign-born
12% · Canada, Vietnam
Languages at home
75% English-only · Spanish 19% Vietnamese 3% Other Indo-European 1%

Political lean MEDSL · Jefferson

2024 margin
Lean R (+8.9) · D 45.1% · R 54.0%
2008→2024 swing
-11.1pp toward R · 2008: 2.2pp · 2024: -8.9pp
All cycles
2024: R+8.9 2020: R+1.6 2016: R+0.5 2012: D+1.6 2008: D+2.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -163.16%
Current HPI
167.8109
Rent YoY
Metro
Beaumont-Port Arthur, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-20.3% since first listed
12 events — show timeline
  • 2026-05-05 Price Changed $94,900 BBOR
  • 2026-04-17 Relisted BBOR
  • 2026-04-17 Price Changed $99,900 BBOR
  • 2026-04-10 Pending BBOR
  • 2026-04-06 Listed $110,000 BBOR
  • 2025-08-27 Price Changed $118,500 BBOR
  • 2025-07-09 Price Changed $120,000 BBOR
  • 2025-06-26 Price Changed $124,900 BBOR
  • 2025-06-20 Price Changed $129,900 BBOR
  • 2023-07-21 Sold (MLS) BBOR
  • 2023-06-23 Pending BBOR
  • 2023-06-19 Listed $119,000 BBOR

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…