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3302 S Sugar Rd Unit H
C+ Composite 64.01
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 +25.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +8.2/10.0
  • ARV discount +7.5/15.0
  • Condition / age +4.0/5.0
  • Schools +3.7/10.0
  • Livability +3.2/5.0
  • Rent growth +2.4/5.0
  • Appreciation +0.0/10.0

$100,000

3302 S Sugar Rd Unit H · Edinburg, TX 78539
2 bd · 2.0 ba · 1,853 sqft · Townhouse public records · 36 Days on market
Built 2019 Good condition 2,228 sqft lot $54/sqft · 53% below area $110/mo HOA · 7% of rent ↓ 56% since listing

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

Listing remarks

SELLER CONCESSIONS AVAILABLE! LAUNDRY WASHER AND DRYER INCLUDED! APPLIANCES INCLUDED! Incredible value in Gated Community! Step inside this stunning three-story townhome featuring 3 bedrooms, 2 full baths, and 2 half baths in the highly sought-after South Edinburg area. The main level is perfect for entertaining, with a spacious living room and kitchen, plus a convenient half bath and laundry room. Upstairs, you'll find two generous bedrooms, each with its own full bath and ample closet space. The third floor is your private retreat, featuring a versatile bonus room (office), an additional half bath, and a balcony—perfect for enjoying your morning coffee or relaxing outdoors.

Key facts

  • $110 HOA
  • Garage
  • Built 2019

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath townhouse listed at $100k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $219 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $100k).
  • Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
  • Cap rate 8.9% vs local median 3.1% in Edinburg — 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 (#784 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
  • Edinburg CISD (urban): math 20% / reading 34% proficiency, ranked #699 of 826 in TX (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Alfonso Ramirez El (math 37% / reading 42%, grade F, #1,545 of 4,322 statewide, top 38%, 681 students, 61% FRL); South Middle (math 23% / reading 46%, grade F, #858 of 1,662 statewide, top 54%, 1,309 students, 66% FRL); Robert R Vela H S (math 27% / reading 48%, grade F, #888 of 1,632 statewide, top 55%, 2,189 students, 62% FRL) — zoned schools at 63% FRL track the district average.
  • Market conditions: Rents soft (-0.5%/yr); 557 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 36 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
  • 6 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: property tax is 4.9% of price.
  • Climate carrying-cost: 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 $97,000 (3.0% below list)

Questions for the listing agent

  1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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
1.65%
Cap rate
8.92%
Cash-on-cash
9.39%
DSCR
1.42
GRM
5.0

CMA / ARV

ARV (median comp)
$213,655
List price
$100,000
Delta
-53.20%
Verdict
UNDERPRICED
Comps
14 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1220 Ricco St 0.35mi 3/2.0 (+1) 1,815 (-2%) 2mo $265,000 $146 74
419 Benites St 0.54mi 3/2.0 (+1) 1,646 (-11%) 2mo $265,000 $161 50
2314 Elbrus Ave 0.79mi 3/3.0 (+1) 1,953 (+5%) 2mo $379,000 $194 45
1910 W Lindsay Blvd 0.55mi 3/2.5 (+1) 2,093 (+13%) 1mo $166,000 $79 45
3507 Bridget St 0.46mi 3/2.5 (+1) 2,167 (+17%) 2mo $229,000 $106 45
2712 W Chesterfield Ave 1.37mi 3/3.0 (+1) 1,954 (+6%) 3mo $425,000 $218 45
2810 Huisache Ave 0.48mi 3/3.0 (+1) 2,159 (+16%) 2mo $285,000 $132 42
1717 Ivy Ln 1.32mi 3/2.0 (+1) 1,648 (-11%) 1mo $240,000 $146 41
2103 Ann St 0.79mi 3/2.0 (+1) 2,057 (+11%) 1mo $279,500 $136 41
1814 John Ave 1.05mi 3/2.0 (+1) 1,584 (-14%) 2mo $224,900 $142 34
3816 Anaya St 0.73mi 3/2.0 (+1) 1,477 (-20%) 2mo $254,999 $173 34
1404 S 7th Ave 1.42mi 3/3.5 (+1) 2,304 (+24%) 0mo $370,000 $161 29

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-6.9%
Equity multiple
0.76×
Total profit
$-6,833
Equity at exit
$14,910
10-year hold
IRR
-3.8%
Equity multiple
0.80×
Total profit
$-5,630
Equity at exit
$8,646

Cash invested: $28,000 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
4 active · 2 under contract
Months of supply
24.0 mo (4%/mo absorbed)
Median asking
$237,888 ($165/sqft)
Median days on market
60 d
This list price
lowest-priced of the active set
ARV vs active asking
-30.2% vs current asking $/sqft

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

ZIP-level market 78539

Home prices YoY
-19.6%
Rents YoY
-0.5%
Active inventory
557
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$1,654 high interval (Pro) →
Mortgage (P&I)
$524
Tax from tax record
$412 /mo · $4,941/yr
Insurance
$42
HOA
$110
Vacancy / Maint / Mgmt
$347
Net cashflow
$219

Break-even live

Break-even rent $1,377
Max offer price $100,000
Occupancy floor 82%

Sensitivity live

Price -10% $575 -5% $540 +0% $219 +5% $191 +10% $162
Rent -10% $88 -5% $154 +0% $219 +5% $284 +10% $350
Rate -1.0pp $269 -0.5pp $244 base $219 +0.5pp $193 +1.0pp $167

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
$25,000
Closing costs
$3,000
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 28 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3302 S Sugar Rd Unit G Edinburg, TX 3.0 2.5 1530 $1,595 $1.04 6d 1 0.04mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 139d 1 0.18mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 6d 1 0.18mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 62d 1 0.18mi
1400 Wisconsin Rd Unit 1 Edinburg, TX 3.0 2.5 1650 $1,700 $1.03 6d 1 0.19mi
1400 Wisconsin Rd Unit 2 Edinburg, TX 2.0 2.5 1400 $1,300 $0.93 139d 1 0.19mi
1921 Andrea Ave Edinburg, TX 3.0 2.0 1670 $1,750 $1.05 6d 1 0.46mi
3118 Vera Ave Edinburg, TX 3.0 2.0 1553 $1,800 $1.16 139d 1 0.50mi
3719 Alvarado St Edinburg, TX 3.0 2.5 1543 $2,095 $1.36 139d 1 0.62mi
323 Cavazos St Edinburg, TX 3.0 2.5 2223 $1,700 $0.76 139d 1 0.66mi
308 Benites St Edinburg, TX 3.0 2.0 1621 $1,950 $1.20 62d 1 0.67mi
308 Benites St Edinburg, TX 3.0 2.0 1621 $1,950 $1.20 6d 1 0.67mi
315 Figueroa Edinburg, TX 3.0 2.0 1482 $1,900 $1.28 6d 1 0.70mi
2714 Blue Ridge Dr Edinburg, TX 3.0 2.0 1966 $1,750 $0.89 109d 1 0.73mi
3319 S Marla Ct Edinburg, TX 3.0 2.5 1500 $2,000 $1.33 6d 1 0.97mi
613 W Haveland St Edinburg, TX 3.0 2.0 1556 $2,500 $1.61 62d 1 1.03mi
216 Enfield Rd Edinburg, TX 3.0 2.0 1972 $1,750 $0.89 6d 1 1.03mi
240 Austin Blvd Edinburg, TX 2.0 2.0 2279 $2,200 $0.97 139d 1 1.04mi
1905 Fawn Cir Edinburg, TX 3.0 2.0 1868 $1,700 $0.91 62d 1 1.04mi
4809 S Markland Ave Edinburg, TX 3.0 2.0 1663 $2,550 $1.53 119d 1 1.12mi
5018 S Hummer Ln Edinburg, TX 3.0 2.0 1926 $1,800 $0.93 119d 1 1.19mi
5211 Shalom Dr Edinburg, TX 3.0 2.0 2305 $2,200 $0.95 139d 1 1.30mi
2621 Easy St Edinburg, TX 3.0 2.5 2155 $2,000 $0.93 6d 1 1.39mi
1414 S 7th Ave Edinburg, TX 3.0 3.5 2304 $3,400 $1.48 62d 1 1.40mi
2012 Pin Oak Rd Edinburg, TX 3.0 2.0 1300 $1,600 $1.23 139d 1 1.45mi
3421 S Kerala Ave Unit D Edinburg, TX 3.0 2.5 1700 $1,850 $1.09 62d 1 1.46mi
3421 S Kerala Ave Unit D Edinburg, TX 3.0 2.5 1700 $1,850 $1.09 139d 1 1.46mi
902 Hidden Forest Dr Edinburg, TX 3.0 2.0 1764 $1,800 $1.02 139d 1 1.49mi

Property features AI

Finance

Other
Living area reported by sellerLot dimensions approximately 60 x 110
HOA & community
Mandatory HOA (Regency at Nora HOA)HOA fee $110 monthlyPOA transfer fee $100Community features include curbs, gated entry, and sidewalks

Exterior

Parking
Detached covered parking2 total parking spaces2 covered spaces2-car carport
Security
Motorized gateSmoke detector(s)
Utilities
Public waterCity sewerElectric service
Home design
Condominium unitGated communityPaved road access
Construction
Stone and stucco constructionComposition shingle roofSlab foundationBuilt as part of Regency Villas condominium (not new construction)
Exterior features
Covered patio and deck/balcony/porchBalconyMature treesSprinkler systemMotorized gateProfessional landscapingSidewalksCorner lot

Interior

Kitchen
Smooth electric cooktop / electric rangeStove/Range (electric smooth)MicrowaveDisposalRefrigerator
Bedrooms
Master bedroom with walk-in closet
Flooring
Laminate flooringTile flooring
Bathrooms
2 full bathrooms2 half bathrooms
Heating & cooling
Central heating (electric)Central air conditioning (electric)ThermostatEnergy Star features
Interior features
Entrance foyerGranite countertopsCeiling fansSmoke detectorsDouble-pane windowsMini blinds
Laundry & utility
Laundry room with washer/dryer connectionsWasher includedDryer includedElectric water heater

HOA detail $110/mo · $1,320/yr

Likely covers
security

Listing history 47 events

  1. 2026-07-16
    days on market $100,000 Active 36 DOM
  2. 2026-07-16
    days on market $100,000 Active 35 DOM
  3. 2026-07-14
    days on market $100,000 Active 34 DOM
  4. 2026-07-13
    days on market $100,000 Active 33 DOM
  5. 2026-07-12
    days on market $100,000 Active 32 DOM
  6. 2026-07-11
    days on market $100,000 Active 31 DOM
  7. 2026-07-10
    days on market $100,000 Active 30 DOM
  8. 2026-07-09
    days on market $100,000 Active 29 DOM
  9. 2026-07-07
    days on market $100,000 Active 27 DOM
  10. 2026-07-06
    days on market $100,000 Active 26 DOM
  11. 2026-07-05
    days on market $100,000 Active 25 DOM
  12. 2026-07-04
    days on market $100,000 Active 24 DOM
  13. 2026-07-03
    days on market $100,000 Active 23 DOM
  14. 2026-07-02
    days on market $100,000 Active 22 DOM
  15. 2026-07-01
    days on market $100,000 Active 21 DOM
  16. 2026-06-30
    days on market $100,000 Active 20 DOM
  17. 2026-06-29
    days on market $100,000 Active 19 DOM
  18. 2026-06-28
    days on market $100,000 Active 18 DOM
  19. 2026-06-28
    days on market $100,000 Active 17 DOM
  20. 2026-06-27
    days on market $100,000 Active 16 DOM
  21. 2026-06-25
    days on market $100,000 Active 14 DOM
  22. 2026-06-23
    days on market $100,000 Active 12 DOM
  23. 2026-06-21
    days on market $100,000 Active 11 DOM
  24. 2026-06-18
    days on market $100,000 Active 8 DOM
  25. 2026-06-17
    days on market $100,000 Active 7 DOM
  26. 2026-06-16
    days on market $100,000 Active 6 DOM
  27. 2026-06-15
    days on market $100,000 Active 5 DOM
  28. 2026-06-14
    days on market $100,000 Active 3 DOM
  29. 2026-06-13
    pricedays on marketlisting id $100,000 Active 2 DOM
  30. 2026-06-09
    days on market $211,000 Active 82 DOM
  31. 2026-06-08
    days on market $211,000 Active 81 DOM
  32. 2026-06-07
    days on market $211,000 Active 80 DOM
  33. 2026-06-03
    days on market $211,000 Active 76 DOM
  34. 2026-06-02
    days on market $211,000 Active 75 DOM
  35. 2026-06-01
    days on market $211,000 Active 74 DOM
  36. 2026-05-31
    days on market $211,000 Active 73 DOM
  37. 2026-05-31
    days on market $211,000 Active 72 DOM
  38. 2026-03-19
    listed $211,000 Active 991-char remark
  39. 2026-02-05
    status Active
  40. 2025-12-19
    historical $1,495
  41. 2025-12-19
    price $1,495
  42. 2025-12-19
    status Pending
  43. 2025-12-11
    historical Option
  44. 2025-12-06
    listed $1,625
  45. 2025-10-14
    listed $211,000 Active
  46. 2025-05-28
    price $210,000
  47. 2025-03-06
    listed $229,500 Active

ⓘ 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
$4,941 · $412/mo
Projected year-2 tax
$4,941 · $412/mo
Expected delta
$0/yr ($0/mo · 0.0%)

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

Climate risk First Street

  • 🌊 Flood 3/10 Moderate 12% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$19,852
− Mortgage interest
−$5,602
− Property taxes
−$4,941
− Insurance
−$500
− Repairs & maintenance
−$1,588
− Management
−$1,588
− HOA
−$1,320
− Depreciation
−$2,909
Taxable income
$1,403
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$337
After-tax cash flow
$2,292/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 80/100 Cosmetic rehab Est. rehab $9,265–$27,795 screening

This three-story townhome in a gated community is in good condition with modern finishes and a well-maintained exterior. It offers a good investment opportunity with minor maintenance items to address.

Value-add opportunities

  • Resale Paint exterior walls — Enhances curb appeal and value
  • Rental Clean gutters — Keeps property in good condition and reduces maintenance costs

ⓘ 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 37/100

Zoned Schools

Elementary Alfonso Ramirez El F TX #1,545/4,322 Nat'l #19,648/41,679 Middle South Middle F TX #858/1,662 Nat'l #7,581/14,009 High Robert R Vela H S F TX #888/1,632 Nat'l #8,937/17,239

Schools (NCES district)

District
Edinburg CISD
NCES district ID
4818180
Math proficiency
20% ▼ -34.00%
Reading proficiency
34% ▼ -11.00%
Median HH income
$36,985
Composite
22.42/100
National rank
#8114
State rank
#699 of 826 in TX
C Composite livability gradescore 64/100

Livability — Edinburg

Score
64/100
State rank
#784
US rank
#14319

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Edinburg, TX
County
Hidalgo County · 955,232 people
City population
178,279
Metro
McAllen-Edinburg-Mission, TX
Population (ZIP)
37,168
Household income
$66,967
Rent vs Own
45.1% rent · 54.9% own
Severe rent burden
12% of renters

Population outlook (Hidalgo County) Hauer SSP2

Today (2025)
955,232 people
By 2030
1,009,774 · +5.7%
By 2040
1,120,332 · +17.3%
By 2050
1,225,036 · +28.2%
By 2075
1,439,189 · +50.7%
By 2100
1,533,429 · +60.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (85%)
Race & ethnicity
Hispanic / Latino 85% Two or more races 45% White 10% Asian 4%
Hispanic origin (detail)
Mexican 77% Puerto Rican 1%
Common ancestry
Lithuanian 1% Italian 1% Romanian 1%
Foreign-born
19% · Canada
Languages at home
32% English-only · Spanish 64% Tagalog/Filipino 2% Other Asian/Pacific 1%

Political lean MEDSL · Hidalgo

2024 margin
Toss-up / Even · D 48.1% · R 51.0%
2008→2024 swing
-41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
All cycles
2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7

Not yet ingested

Civics

Price history

-56.4% since first listed
11 events — show timeline
  • 2026-06-10 Listed $100,000 MCALLENMLS
  • 2026-03-19 Listed $211,000 MCALLENMLS
  • 2026-02-05 Relisted MCALLENMLS
  • 2025-12-19 Rental Removed $1,495 MCALLENMLS
  • 2025-12-19 Price Changed $1,495 MCALLENMLS
  • 2025-12-19 Pending MCALLENMLS
  • 2025-12-11 Contingent MCALLENMLS
  • 2025-12-06 Listed for Rent $1,625 MCALLENMLS
  • 2025-10-14 Listed $211,000 MCALLENMLS
  • 2025-05-28 Price Changed $210,000 MCALLENMLS
  • 2025-03-06 Listed $229,500 MCALLENMLS

Property tax history

+3.1%/yr

Latest (2025): $4,941 · +3.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…