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2910 Dowling St
C- Composite 54.62
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 +20.3/30.0
  • DSCR +6.4/10.0
  • ARV discount +6.4/15.0
  • Appreciation +5.5/10.0
  • 1% rule +5.0/10.0
  • Rent growth +3.9/5.0
  • Livability +3.0/5.0
  • Condition / age +2.5/5.0
  • Schools +1.6/10.0

$135,900

2910 Dowling St · West Orange, TX 77630
3 bd · 1.5 ba · 1,120 sqft · SingleFamily public records · 100 Days on market
Built 1941 6,970 sqft lot $121/sqft · at area comps Est $133k · at est.

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

Listing remarks MLS

Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!

Key facts

  • New flooring
  • Updated bathrooms
  • New kitchen cabinets

Tags

REMODELED HOMENEW FLOORINGUPDATED BATHROOMSNEW KITCHEN CABINETSNEW APPLIANCESMINI-SPLIT UNITS

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/1.5-bath single-family listed at $136k.

Deal economics

  • At list price, monthly cash flow is $107 ($1k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (0.4% below list).
  • Recommended offer: $124k (9.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 60/100 on livability (#1,075 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A; Watch: crime C-, amenities F, commute F.
  • West Orange-Cove CISD (suburban): math 17% / reading 21% proficiency, ranked #784 of 826 in TX (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: West Orange-Stark El (math 14% / reading 17%, grade F, #3,990 of 4,322 statewide, top 93%, 1,130 students, 94% FRL); West Orange-Stark Middle (math 20% / reading 20%, grade F, #1,428 of 1,662 statewide, top 87%, 505 students, 92% FRL); West Orange-Stark H S (math 19% / reading 31%, grade F, #1,250 of 1,632 statewide, top 77%, 660 students, 88% FRL).
  • Market conditions: Rents rising fast (+5.7%/yr); 338 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 235 units permitted in Orange County in 2024 (50 in 5+ unit buildings).

Forward outlook

  • In year one you build about $2k of equity ($940 loan paydown + $1k appreciation (1.0% local appreciation)).
  • Orange County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (1.0% appreciation + 5.7% rent growth), your $38k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 100 days — a 9% lower offer ($124k) is reasonable based on typical stale-listing flexibility.
  • 3 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: flood insurance adds $66/mo; built in 1941 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $123,669 (9.0% below list)

Questions for the listing agent

  1. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  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
1.00%
Cap rate
7.82%
Cash-on-cash
5.46%
DSCR
1.24
GRM
8.4

CMA / ARV

ARV (median comp)
$132,800
List price
$135,900
Delta
2.33%
Verdict
FAIR
Comps
15 within 1.0 mi
Show comp detail 4 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1527 Buffalo Ave 0.40mi 3/1.0 1,098 (-2%) 22mo $139,900 $127 57
1536 Mustang Ave 0.46mi 3/1.0 1,040 (-7%) 14mo $95,000 $91 52
2705 Terrace Cir 0.55mi 3/1.5 1,240 (+11%) 9mo $139,900 $113 49
3020 Western Ave 0.46mi 2/1.0 (-1) 990 (-12%) 4mo $132,800 $134 48

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.01% appreciation · 5.71% rent growth · sell at horizon

5-year hold
IRR
6.7%
Equity multiple
1.35×
Total profit
$13,232
Equity at exit
$46,464
10-year hold
IRR
12.6%
Equity multiple
2.64×
Total profit
$62,459
Equity at exit
$61,801

Cash invested: $38,052 (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 77630

Home prices YoY
0.4%
Rents YoY
5.7%
Active inventory
338
Price-to-rent
8.4×

Monthly cashflow live

Estimated rent
$1,353 high interval (Pro) →
Mortgage (P&I)
$713
Tax from tax record
$126 /mo · $1,515/yr
Insurance
$57
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$0
Vacancy / Maint / Mgmt
$284
Net cashflow
$107

Break-even live

Break-even rent $1,218
Max offer price $135,900
Occupancy floor 87%

Sensitivity live

Price -10% $184 -5% $145 +0% $107 +5% $68 +10% $30
Rent -10% $0 -5% $53 +0% $107 +5% $160 +10% $214
Rate -1.0pp $175 -0.5pp $141 base $107 +0.5pp $72 +1.0pp $36

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
$33,975
Closing costs
$4,077
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 16 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1543 Alamo St West Orange, TX 3.0 1.0 1170 $1,200 $1.03 15d 1 0.34mi
309 Quincy St West Orange, TX 3.0 1.5 1113 $1,200 $1.08 15d 1 0.44mi
406 Dayton St West Orange, TX 2.0 1.0 1350 $1,200 $0.89 45d 1 1.02mi
2602 Tanglewood St West Orange, TX 4.0 2.0 1306 $1,250 $0.96 15d 1 1.04mi
205 Gloria St West Orange, TX 3.0 2.0 1225 $1,300 $1.06 45d 1 1.05mi
206 Florence St Orange, TX 2.0 1.0 1216 $1,425 $1.17 45d 1 1.08mi
210 Florence St Orange, TX 3.0 1.0 1064 $1,425 $1.34 45d 1 1.10mi
3726 Bowling Ln Orange, TX 3.0 1.0 1045 $1,150 $1.10 45d 1 1.24mi
107 Dahlia St Orange, TX 3.0 1.0 1149 $1,300 $1.13 15d 1 1.25mi
302 Bridal Wreath Ave Orange, TX 3.0 1.0 1182 $1,195 $1.01 45d 1 1.27mi
101 Azalea Ave Unit A Orange, TX 3.0 1.0 1200 $2,000 $1.67 45d 1 1.28mi
310 Camellia Ave Orange, TX 3.0 1.0 988 $1,295 $1.31 22d 1 1.35mi
403 Bluebonnet Dr Orange, TX 3.0 1.0 1196 $1,300 $1.09 45d 1 1.35mi
3000 MacArthur Dr Orange, TX 3.0 1.0–2.0 791 $1,330 $1.68 15d 12 1.35mi
1010 Highway 87 S Orange, TX 1.0–3.0 1.0–2.0 880 $1,425 $1.62 15d 13 1.42mi
316 Old Timers Rd Unit 316 Orange, TX 3.0 2.0 1200 $1,595 $1.33 45d 1 1.49mi

Listing history 25 events

  1. 2026-06-21
    days on market $135,900 Active 100 DOM
  2. 2026-06-18
    days on market $135,900 Active 97 DOM
  3. 2026-06-17
    days on market $135,900 Active 96 DOM
  4. 2026-06-16
    days on market $135,900 Active 95 DOM
  5. 2026-06-15
    days on market $135,900 Active 94 DOM
  6. 2026-06-14
    days on market $135,900 Active 92 DOM
  7. 2026-06-13
    days on market $135,900 Active 91 DOM
  8. 2026-06-10
    days on market $135,900 Active 89 DOM
  9. 2026-06-09
    days on market $135,900 Active 88 DOM
  10. 2026-06-08
    days on market $135,900 Active 87 DOM
  11. 2026-06-07
    days on market $135,900 Active 86 DOM
  12. 2026-06-03
    days on market $135,900 Active 82 DOM
  13. 2026-06-02
    days on market $135,900 Active 81 DOM
  14. 2026-06-01
    days on market $135,900 Active 80 DOM
  15. 2026-05-31
    days on market $135,900 Active 79 DOM
  16. 2026-05-30
    days on market $135,900 Active 78 DOM
  17. 2026-04-09
    price $135,900 692-char remark
    Show marketing remark (692 chars)

    Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!

  18. 2026-03-14
    listed $139,900 Active 692-char remark
    Show marketing remark (692 chars)

    Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!

  19. 2025-12-31
    soldstatus
  20. 2025-12-30
    soldstatus Closed 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

  21. 2025-11-19
    status Pending 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

  22. 2025-11-18
    status Active 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

  23. 2025-11-08
    status Pending 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

  24. 2025-08-09
    price $57,000 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

  25. 2025-06-08
    listed $59,500 Active 305-char remark
    Show marketing remark (305 chars)

    This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.

ⓘ 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
$1,515 · $126/mo
Projected year-2 tax
$2,487 · $207/mo
Expected delta
+$972/yr (+$81/mo · 64.2%)

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

Climate risk First Street

  • 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 66% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 23 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
$16,235
− Mortgage interest
−$7,613
− Property taxes
−$1,515
− Insurance
−$1,477
− Repairs & maintenance
−$1,299
− Management
−$1,299
− Depreciation
−$3,953
Taxable loss
−$921
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$221
After-tax cash flow
$1,502/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
West Orange-Cove CISD
NCES district ID
4845090
Math proficiency
17% ▼ -7.00%
Reading proficiency
21% ▼ -2.00%
Median HH income
$37,329
Composite
15.86/100
National rank
#9260
State rank
#784 of 826 in TX

Livability — West Orange

Score
60/100
State rank
#1075
US rank
#19069

Category grades

Amenities F Commute F 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
West Orange, TX
County
Orange County · 87,112 people
Metro
Beaumont-Port Arthur, TX
Population (ZIP)
28,983
Household income
$64,373
Rent vs Own
32.2% rent · 67.8% own
Severe rent burden
1018.0

Population outlook (Orange County) Hauer SSP2

Today (2025)
88,065 people
By 2030
89,591 · +1.7%
By 2040
91,982 · +4.4%
By 2050
93,023 · +5.6%
By 2075
94,871 · +7.7%
By 2100
88,155 · +0.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (64%)
Race & ethnicity
White 64% Black 21% Hispanic / Latino 11% Two or more races 9%
Hispanic origin (detail)
Mexican 7%
Common ancestry
Lithuanian 13% Italian 1% Slovak 1%
Foreign-born
5% · Canada
Languages at home
91% English-only · Spanish 7% French/Haitian/Cajun 1% Other Asian/Pacific 1%

Political lean MEDSL · Orange

2024 margin
Solid R (+66.8) · D 16.4% · R 83.1%
2008→2024 swing
-19.6pp toward R · 2008: -47.1pp · 2024: -66.8pp
All cycles
2024: R+66.8 2020: R+63.4 2016: R+61.9 2012: R+54.3 2008: R+47.1

Not yet ingested

Civics

Market trends

HPI YoY
▲ 1.01%
Current HPI
264.14
Rent YoY
▲ 5.71%
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

+128.4% since first listed
9 events — show timeline
  • 2026-04-09 Price Changed $135,900 BBOR
  • 2026-03-14 Listed $139,900 BBOR
  • 2025-12-31 Sold (Public Records) Public Records
  • 2025-12-30 Sold (MLS) BBOR
  • 2025-11-19 Pending BBOR
  • 2025-11-18 Relisted BBOR
  • 2025-11-08 Pending BBOR
  • 2025-08-09 Price Changed $57,000 BBOR
  • 2025-06-08 Listed $59,500 BBOR

Property tax history

+4.5%/yr

Latest (2025): $1,515 · -2.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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