Chappell Plan · Geronimo, TX 78155

$192,999

3 bd · 2.0 ba · 1,200 sqft · SingleFamily · 254 Days on market

Good condition

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Why this score? — see what drove the D- 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 +10.1/30.0
• ARV discount +7.5/15.0
• Schools +4.9/10.0
• Condition / age +4.0/5.0
• 1% rule +3.0/10.0
• Rent growth +3.0/5.0
• DSCR +2.9/10.0
• Livability +2.6/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This single-level home opens into a shared living space between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

Key facts

• Walk-in closet
• Secondary bedrooms
• En-suite bathroom

Tags

• OWNER'S SUITE
• EN-SUITE BATHROOM
• WALK-IN CLOSET
• SECONDARY BEDROOMS

🏗️ New construction. The $192,999 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $209,548.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $193k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-123 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $192k (0.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (13.1% below list).
• Recommended offer: $168k (13.1% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 4.6% in Geronimo — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 51/100 on livability (#1,471 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Navarro ISD (rural): math 48% / reading 50% proficiency, ranked #166 of 826 in TX (top 20%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Navarro El (math 37% / reading 57%, grade D-, #1,006 of 4,322 statewide, top 25%, 702 students, 45% FRL); Navarro Int (math 50% / reading 44%, grade D+, #424 of 1,662 statewide, top 27%, 485 students, 40% FRL); Navarro H S (math 47% / reading 57%, grade D+, #447 of 1,632 statewide, top 29%, 648 students, 33% FRL) — zoned schools at 39% FRL track the district average.
• Market conditions: Rents rising (+2.0%/yr); 1603 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 2,064 units permitted in Guadalupe County in 2024 (133 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Guadalupe County population projected at +61% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 254 days — a 12% lower offer ($170k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,684 (13.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 254 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.80% ✗
• Cap rate: 5.59%
• Cash-on-cash: -2.52%
• DSCR: 0.89
• GRM: 10.4

CMA / ARV

• ARV (median comp): $209,548
• List price: $192,999
• Delta: -7.90%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5515 Alope Way	0.13mi	3/2.0	1,266 (+6%)	2mo	$189,999	$150	84
9024 James Bowie	0.26mi	3/2.0	1,217 (+1%)	3mo	$169,500	$139	84
5739 Alope Way	0.15mi	3/2.0	1,354 (+13%)	6mo	$190,000	$140	66
215 Pastar Fls	0.36mi	3/2.0	1,354 (+13%)	3mo	$186,999	$138	59
5705 Mangas Cir	0.30mi	3/2.0	1,354 (+13%)	8mo	$178,999	$132	57
9119 Colonel Trl	0.38mi	3/2.0	1,354 (+13%)	9mo	$190,999	$141	54
121 Pastar Fls	0.44mi	3/2.0	1,354 (+13%)	6mo	$165,999	$123	54
154 Pastar Fls	0.43mi	3/2.0	1,354 (+13%)	6mo	$175,999	$130	53
126 Pastar Fls	0.46mi	3/2.0	1,354 (+13%)	6mo	$169,999	$126	52
980 Pastar Crk	0.47mi	3/2.0	1,354 (+13%)	8mo	$344,999	$255	50
968 Pastar Crk	0.45mi	3/2.0	1,354 (+13%)	8mo	$183,999	$136	50
988 Pastar Crk	0.48mi	3/2.0	1,354 (+13%)	7mo	$180,999	$134	50

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 · 2.04% rent growth · sell at horizon

5-year hold

• IRR: -21.6%
• Equity multiple: 0.26×
• Total profit: $-43,397
• Equity at exit: $31,244

10-year hold

• IRR: -17.6%
• Equity multiple: 0.08×
• Total profit: $-54,267
• Equity at exit: $18,118

Cash invested: $58,674 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 20 active · 21 under contract
• Months of supply: 5.0 mo (20%/mo absorbed)
• Median asking: $198,500 ($150/sqft)
• Median days on market: 235 d
• This list price: 40% of active listings are priced below it
• ARV vs active asking: +16.5% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 78155

• Rents YoY: 2.0%
• Active inventory: 1603
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,677 high
• Mortgage (P&I): −$1,099
• Tax est. 1.5%: −$262 /mo · $3,143/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$352
• Net cashflow: $-123

Break-even live

Break-even rent $1,833

Max offer price $191,687

Occupancy floor —

Sensitivity live

Price	-10% $21	-5% $-51	+0% $-123	+5% $-196	+10% $-268
Rent	-10% $-256	-5% $-190	+0% $-123	+5% $-57	+10% $9
Rate	-1.0pp $-18	-0.5pp $-70	base $-123	+0.5pp $-178	+1.0pp $-233

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: $52,387
• Closing costs: $6,286
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9258 Honey Mesquite Seguin, TX	3.0	2.0	1440	$1,595	$1.11	9d	1	0.03mi
9272 James Bowie Seguin, TX	3.0	2.0	1440	$1,450	$1.01	9d	1	0.08mi
9211 Saint Jerome Seguin, TX	3.0	2.0	1440	$1,450	$1.01	9d	1	0.10mi
5912 Texas Spur Seguin, TX	3.0	2.0	1440	$1,700	$1.18	9d	1	0.26mi
5909 Antonio Pl Seguin, TX	3.0	2.0	1446	$1,545	$1.07	9d	1	0.26mi
5863 Coahulia Rdg Seguin, TX	3.0	2.0	1266	$1,550	$1.22	9d	1	0.27mi
5863 Coahulia Rdg Seguin, TX	3.0	2.0	1440	$1,675	$1.16	93d	1	0.27mi
217 Alligator Crk Seguin, TX	3.0	2.0	1380	$1,750	$1.27	93d	1	0.36mi
964 Pastar Crk Seguin, TX	4.0	2.0	1483	$1,745	$1.18	34d	1	0.46mi

Listing history 45 events

1. 2026-07-26
   days on market $192,999 Active 254 DOM
2. 2026-07-24
   days on market $192,999 Active 252 DOM
3. 2026-07-23
   days on market $192,999 Active 251 DOM
4. 2026-07-22
   days on market $192,999 Active 250 DOM
5. 2026-07-21
   days on market $192,999 Active 249 DOM
6. 2026-07-20
   days on market $192,999 Active 248 DOM
7. 2026-07-18
   days on market $192,999 Active 246 DOM
8. 2026-07-18
   days on market $192,999 Active 245 DOM
9. 2026-07-16
   days on market $192,999 Active 244 DOM
10. 2026-07-15
    days on market $192,999 Active 243 DOM
11. 2026-07-14
    days on market $192,999 Active 242 DOM
12. 2026-07-13
    days on market $192,999 Active 241 DOM
13. 2026-07-13
    days on market $192,999 Active 240 DOM
14. 2026-07-11
    days on market $192,999 Active 239 DOM
15. 2026-07-10
    days on market $192,999 Active 238 DOM
16. 2026-07-09
    days on market $192,999 Active 237 DOM
17. 2026-07-07
    days on market $192,999 Active 235 DOM
18. 2026-07-06
    days on market $192,999 Active 234 DOM
19. 2026-07-05
    days on market $192,999 Active 233 DOM
20. 2026-07-03
    days on market $192,999 Active 231 DOM
21. 2026-07-02
    days on market $192,999 Active 230 DOM
22. 2026-07-01
    days on market $192,999 Active 229 DOM
23. 2026-06-30
    days on market $192,999 Active 228 DOM
24. 2026-06-29
    days on market $192,999 Active 227 DOM
25. 2026-06-28
    days on market $192,999 Active 226 DOM
26. 2026-06-27
    days on market $192,999 Active 225 DOM
27. 2026-06-26
    days on market $192,999 Active 224 DOM
28. 2026-06-24
    days on market $192,999 Active 222 DOM
29. 2026-06-22
    days on market $192,999 Active 220 DOM
30. 2026-06-21
    days on market $192,999 Active 219 DOM
31. 2026-06-18
    days on market $192,999 Active 216 DOM
32. 2026-06-17
    days on market $192,999 Active 215 DOM
33. 2026-06-16
    days on market $192,999 Active 214 DOM
34. 2026-06-15
    days on market $192,999 Active 213 DOM
35. 2026-06-13
    days on market $192,999 Active 211 DOM
36. 2026-06-13
    days on market $192,999 Active 210 DOM
37. 2026-06-09
    days on market $192,999 Active 207 DOM
38. 2026-06-08
    days on market $192,999 Active 206 DOM
39. 2026-06-07
    days on market $192,999 Active 205 DOM
40. 2026-06-04
    days on market $192,999 Active 202 DOM
41. 2026-06-03
    days on market $192,999 Active 201 DOM
42. 2026-06-02
    days on market $192,999 Active 200 DOM
43. 2026-06-01
    days on market $192,999 Active 199 DOM
44. 2026-05-31
    days on market $192,999 Active 198 DOM
45. 2025-11-14
    listed $192,999 Active 389-char remark

    Show marketing remark (389 chars)

    This single-level home opens into a shared living space between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $20,122
• − Mortgage interest: −$11,738
• − Property taxes: −$3,143
• − Insurance: −$1,048
• − Repairs & maintenance: −$1,610
• − Management: −$1,610
• − Depreciation: −$6,096
• Taxable loss: −$5,122
• Est. tax savings @ 24.0%: +$1,229
• After-tax cash flow: $-252/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 · 6 photos

Good 80/100 Cosmetic rehab Est. rehab $6,000–$18,000 screening

This single-level home is in good condition with a modern kitchen and bathrooms, and a well-maintained exterior. It is ready for a fresh coat of paint and some minor updates to the flooring and smart home features to maximize its value.

Value-add opportunities

• Both Painting the exterior to a fresh color — Fresh paint can enhance curb appeal and resale value. ↑
• Resale Updating the flooring in the bathrooms — Modern flooring can improve the overall aesthetic and appeal of the home. ↑
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 49/100

Zoned Schools

Elementary Navarro El D- TX #1,006/4,322 Nat'l #14,504/41,679 Middle Navarro J H C- TX #378/1,662 Nat'l #3,736/14,009 High Navarro H S D+ TX #447/1,632 Nat'l #5,016/17,239

Schools (NCES district)

• District: Navarro ISD
• NCES district ID: 4832160
• Math proficiency: 48% ▼ -19.00%
• Reading proficiency: 50% ▼ -6.00%
• Median HH income: $66,008
• Composite: 43.49/100
• National rank: #2996
• State rank: #166 of 826 in TX

D Composite livability gradescore 51/100

Livability — Geronimo

• Score: 51/100
• State rank: #1471
• US rank: #25174

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Geronimo, TX
• County: Guadalupe County · 196,854 people
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 55,600
• Household income: $71,039
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 17% of renters

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Population outlook (Guadalupe County) Hauer SSP2

• Today (2025): 196,854 people
• By 2030: 220,210 · +11.9%
• By 2040: 268,004 · +36.1%
• By 2050: 316,333 · +60.7%
• By 2075: 434,747 · +120.8%
• By 2100: 520,447 · +164.4%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Hispanic / Latino 49% White 43% Two or more races 26% Black 5%
• Hispanic origin (detail): Mexican 41%
• Common ancestry: Lithuanian 2% Slovak 1% Romanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 74% English-only · Spanish 24% German/W. Germanic 1%

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Political lean MEDSL · Guadalupe

• 2024 margin: Strong R (+29.5) · D 34.8% · R 64.3%
• 2008→2024 swing: +1.5pp toward D · 2008: -31.0pp · 2024: -29.5pp
• All cycles: 2024: R+29.5 2020: R+24.2 2016: R+31.8 2012: R+35.1 2008: R+31.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -147.43%
• Current HPI: 160.5435
• Rent YoY: ▲ 2.04%
• Metro: San Antonio-New Braunfels, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

• 2025-11-14 Listed $192,999 Zillow