5979 Consider Trail Von · Somerset, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 8/10 · Major
- Hot days now (above 109°F)
- 4 days/yr
- Hot days in 30 yrs
- 11 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +14.8/30.0
- ARV discount +7.8/15.0
- Appreciation +6.3/10.0
- DSCR +4.5/10.0
- 1% rule +4.1/10.0
- Condition / age +4.0/5.0
- Schools +3.4/10.0
- Livability +3.3/5.0
- Rent growth +2.5/5.0
$194,999
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining, along with access to an outdoor space. 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, ideal for household members and overnight guests.
Key facts
- Walk-in closet
- Open floorplan
- Outdoor space
Tags
Property features AI
Finance
- Financial info: List price $194,999
Exterior
- Parking: 2 total parking spaces; 2-car garage
- Home design: Single-family property (spec new construction); Idlewood plan
- Exterior features: Address: 5979 Consider Trail Von, Ormy TX 78073
Interior
- Bedrooms: 3 bedrooms
- Bathrooms: 2 full bathrooms
- Interior features: Spec-built Idlewood plan; Living area of 1411
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $195k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $54 ($642/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 $177k (9.0% below list).
- Recommended offer: $177k (9.0% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 66/100 on livability (#639 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
- Somerset ISD (rural): math 41% / reading 39% proficiency, ranked #417 of 826 in TX (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 324 active listings in the ZIP; 224 units permitted in Atascosa County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $6k of equity ($1k loan paydown + $5k appreciation (2.6% local appreciation)).
- Atascosa County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (2.6% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~7 years — after that, you're playing with house money.
- By year 6, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 18 days — a 2% lower offer ($192k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 4→11/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 0.91% ✗
- Cap rate
- 6.62%
- Cash-on-cash
- 1.18%
- DSCR
- 1.05
- GRM
- 9.2
CMA / ARV
- ARV (on-the-fly)
- $196,129
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5919 Consider Trl | 0.00mi | 3/2.0 | 1,402 (-1%) | 1mo | $194,999 | $139 | 98 |
| 12107 Kneeling Path | 0.00mi | 3/2.0 | 1,402 (-1%) | 2mo | $192,999 | $138 | 97 |
| 5903 Consider Trl | 0.00mi | 3/2.0 | 1,402 (-1%) | 2mo | $196,999 | $141 | 97 |
| 12119 Kneeling Path | 0.00mi | 3/2.0 | 1,402 (-1%) | 3mo | $211,999 | $151 | 97 |
| 6043 Skipping Way | 0.00mi | 3/2.0 | 1,354 (-4%) | 1mo | $184,999 | $137 | 93 |
| 12010 Pressing Pass | 0.00mi | 3/2.0 | 1,354 (-4%) | 1mo | $184,999 | $137 | 92 |
| 12030 Pressing Pass | 0.00mi | 3/2.0 | 1,354 (-4%) | 1mo | $184,999 | $137 | 92 |
| 6027 Skipping Way | 0.00mi | 3/2.0 | 1,354 (-4%) | 1mo | $192,999 | $143 | 92 |
| 12103 Kneeling Path | 0.00mi | 3/2.0 | 1,266 (-10%) | 2mo | $184,999 | $146 | 81 |
| 6046 Skipping Way | 0.00mi | 3/2.0 | 1,213 (-14%) | 3mo | $185,999 | $153 | 74 |
| 12227 Kneeling Path | 0.00mi | 4/2.0 (+1) | 1,600 (+13%) | 3mo | $197,999 | $124 | 70 |
| 12203 Kneeling Path | 0.00mi | 4/2.0 (+1) | 1,600 (+13%) | 4mo | $219,999 | $137 | 70 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
2.6% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 7.5%
- Equity multiple
- 1.42×
- Total profit
- $22,840
- Equity at exit
- $83,333
- IRR
- 10.4%
- Equity multiple
- 2.50×
- Total profit
- $81,762
- Equity at exit
- $125,144
Cash invested: $54,600 (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
ZIP-level market 78073
- Home prices YoY
- 0.9%
- Active inventory
- 324
- Price-to-rent
- 9.2×
Monthly cashflow live
- Estimated rent
- $1,774 medium interval (Pro) →
- Mortgage (P&I)
- −$1,023
- Tax est. 1.5%
- −$244 /mo · $2,925/yr
- Insurance
- −$81
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$372
- Net cashflow
- $54
Break-even live
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
- $48,750
- Closing costs
- $5,850
- 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 15 events
-
2026-06-18days on market $194,999 Active 18 DOM
-
2026-06-17days on market $194,999 Active 17 DOM
-
2026-06-16days on market $194,999 Active 16 DOM
-
2026-06-15days on market $194,999 Active 15 DOM
-
2026-06-15days on market $194,999 Active 14 DOM
-
2026-06-13days on market $194,999 Active 13 DOM
-
2026-06-12days on market $194,999 Active 12 DOM
-
2026-06-09days on market $194,999 Active 9 DOM
-
2026-06-08days on market $194,999 Active 8 DOM
-
2026-06-08days on market $194,999 Active 7 DOM
-
2026-06-07days on market $194,999 Active 6 DOM
-
2026-06-03days on market $194,999 Active 3 DOM
-
2026-06-02days on market $194,999 Active 2 DOM
-
2026-05-31remarks 415-char remark
-
2026-05-31$194,999 Active 1 DOM
ⓘ 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 5/10 Major
- Heat 8/10 Severe 4 d/yr ≥109°F today · 11 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $21,283
- − Mortgage interest
- −$10,923
- − Property taxes
- −$2,925
- − Insurance
- −$975
- − Repairs & maintenance
- −$1,703
- − Management
- −$1,703
- − Depreciation
- −$5,673
- Taxable loss
- −$2,618
- Est. tax savings @ 24.0%
- +$628
- After-tax cash flow
- $1,271/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 · 13 photos
This single-level home features a spacious open floorplan with modern finishes and a well-maintained exterior. It is in good condition with minimal repairs needed, making it a solid investment opportunity.
Value-add opportunities
- Both Painting the exterior and interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics.
- Both Landscaping improvements — Enhanced landscaping can improve the home's curb appeal and increase its value.
- Resale Upgrading the kitchen appliances — Modern appliances can attract more buyers and increase the home's resale value.
- Both Adding smart home features — Smart home features can increase the home's appeal and value, both for resale and rental purposes.
Renovation cost estimate screening
Value-add ROI direction
- Both Painting the exterior and interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics. ↑
- Both Landscaping improvements — Enhanced landscaping can improve the home's curb appeal and increase its value. ↑
- Resale Upgrading the kitchen appliances — Modern appliances can attract more buyers and increase the home's resale value. ↑
- Both Adding smart home features — Smart home features can increase the home's appeal and value, both for resale and rental purposes. ↑
ⓘ 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
- Somerset ISD
- NCES district ID
- 4840740
- Math proficiency
- 41% ▬ 0.00%
- Reading proficiency
- 39% ▲ 4.00%
- Median HH income
- $44,712
- Composite
- 34.01/100
- National rank
- #5315
- State rank
- #417 of 826 in TX
Livability — Somerset
- Score
- 66/100
- State rank
- #639
- US rank
- #12187
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Population (ZIP)
- 9,510
Population outlook (Atascosa County) Hauer SSP2
- Today (2025)
- 57,233 people
- By 2030
- 61,729 · +7.9%
- By 2040
- 71,122 · +24.3%
- By 2050
- 80,906 · +41.4%
- By 2075
- 106,134 · +85.4%
- By 2100
- 122,415 · +113.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Hispanic (81%)
- Race & ethnicity
- Hispanic / Latino 81% Two or more races 33% White 16%
- Hispanic origin (detail)
- Mexican 75%
- Foreign-born
- 12% · Canada
- Languages at home
- 51% English-only · Spanish 48% German/W. Germanic 1%
Political lean MEDSL · Atascosa
- 2024 margin
- Solid R (+43.3) · D 27.9% · R 71.3%
- 2008→2024 swing
- -32.8pp toward R · 2008: -10.5pp · 2024: -43.3pp
- All cycles
- 2024: R+43.3 2020: R+34.0 2016: R+29.1 2012: R+18.3 2008: R+10.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 2.60%
- Current HPI
- 289.1266
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 3.95%
- F500 in state
- 110
Industry mix (Fortune 500 HQ in TX)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Energy | 16 | $1,198B |
|
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
|
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| Energy Services | 3 | $60B |
|
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…