111 Panther Loop · Mabank, TX 75147

$287,500

3 bd · 2.0 ba · 1,501 sqft · Land · 10 Days on market

Built 2026 8,276 sqft lot

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +5.9/30.0
• Rent growth +4.5/5.0
• Schools +3.8/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.3/10.0
• DSCR +0.3/10.0

Listing remarks

NO HOA and LOW TAX RATE in the exceptional new home community of Cloverleaf at Cedar Creek Lake! Home Sweet Homes is a division of Pope Co Custom Homes who has been building homes in Kaufman County for over 29 years! You'll LOVE their Choices Collection where buyers can customize their new home with a variety of selections including front elevation, brick color, exterior paint, choice of interior color collection, finishes package & more! Granite counters & stainless appliances are standard in all plans with Quartz counter upgrade available in kitchen! Gorgeous waterproof wood-look click-tile flooring with a whopping 50-year warranty is standard in all common areas with carpet i

Key facts

• Stainless appliances
• Low tax rate
• No hoa

Tags

• NO HOA
• LOW TAX RATE
• GRANITE COUNTERS
• STAINLESS APPLIANCES
• QUARTZ COUNTER UPGRADE
• WATERPROOF WOOD-LOOK FLOORING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $288k.

Deal economics

• At list price, monthly cash flow is $-563 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $206k (28.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $180k (37.3% below list).
• Recommended offer: $180k (37.3% below list) — sets the bar for 1% rule.
• Cap rate 3.9% vs local median 3.1% in Mabank — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 69/100 on livability (#446 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, employment D-.
• Mabank ISD (town): math 47% / reading 44% proficiency, ranked #273 of 826 in TX (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Central El (math 48% / reading 42%, grade D-, #1,133 of 4,322 statewide, top 27%, 675 students, 64% FRL); Mabank Int (math 49% / reading 34%, grade F, #595 of 1,662 statewide, top 37%, 611 students, 66% FRL); Mabank H S (math 36% / reading 53%, grade F, #652 of 1,632 statewide, top 43%, 1,111 students, 57% FRL).
• Market conditions: Rents rising fast (+8.1%/yr); 215 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,747 units permitted in Kaufman County in 2024 (180 in 5+ unit buildings).
• This rent runs 38% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Kaufman County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$49k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 61% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,270 (37.3% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.63% ✗
• Cap rate: 3.94%
• Cash-on-cash: -8.39%
• DSCR: 0.63
• GRM: 13.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.62×
• Total profit: $130,295
• Equity at exit: $259,003

10-year hold

• IRR: 19.1%
• Equity multiple: 6.41×
• Total profit: $435,536
• Equity at exit: $558,549

Cash invested: $80,500 (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 →

ZIP-level market 75147

• Home prices YoY: 4.6%
• Rents YoY: 8.1%
• Active inventory: 215
• Price-to-rent: 13.3×

Monthly cashflow live

• Estimated rent: $1,803 high
• Mortgage (P&I): −$1,508
• Tax est. 1.5%: −$359 /mo · $4,312/yr
• Insurance: −$120
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $-563

Break-even live

Break-even rent $2,515

Max offer price $206,074

Occupancy floor —

Sensitivity live

Price	-10% $-364	-5% $-463	+0% $-563	+5% $-662	+10% $-761
Rent	-10% $-705	-5% $-634	+0% $-563	+5% $-492	+10% $-420
Rate	-1.0pp $-418	-0.5pp $-490	base $-563	+0.5pp $-637	+1.0pp $-713

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: $71,875
• Closing costs: $8,625
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
813 S Sutton St Mabank, TX	3.0	2.0	1197	$1,399	$1.17	45d	1	0.97mi
471 Bobbie St Mabank, TX	3.0	2.0	1571	$1,664	$1.06	45d	1	0.99mi
425 Shorty St Mabank, TX	4.0	2.0	1788	$1,614	$0.90	45d	1	1.01mi
414 Shorty St Mabank, TX	3.0	2.0	1405	$1,564	$1.11	45d	1	1.01mi
427 Shorty St Mabank, TX	3.0	2.0	1571	$1,664	$1.06	45d	1	1.01mi
429 Shorty St Mabank, TX	3.0	2.0	1405	$1,499	$1.07	45d	1	1.02mi
433 Shorty St Mabank, TX	3.0	2.0	1571	$1,664	$1.06	45d	1	1.03mi
430 Shorty St Mabank, TX	3.0	2.0	1571	$1,614	$1.03	45d	1	1.05mi

Listing history 3 events

1. 2026-03-12
   soldstatus
2. 2026-01-26
   status Pending
3. 2026-01-16
   listed $287,500 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 26 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,632
• − Mortgage interest: −$16,104
• − Property taxes: −$4,312
• − Insurance: −$1,438
• − Repairs & maintenance: −$1,731
• − Management: −$1,731
• − Depreciation: −$8,364
• Taxable loss: −$12,047
• Est. tax savings @ 24.0%: +$2,891
• After-tax cash flow: $-3,861/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: Mabank ISD
• NCES district ID: 4828680
• Math proficiency: 47% ▼ -19.00%
• Reading proficiency: 44% ▼ -11.00%
• Median HH income: $40,321
• Composite: 38.15/100
• National rank: #4267
• State rank: #273 of 826 in TX

Livability — Mabank

• Score: 69/100
• State rank: #446
• US rank: #9068

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mabank, TX
• County: Van Zandt County · 9,177 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 9,177
• Household income: $56,940
• Rent vs Own: 36.9% rent · 63.1% own
• Severe rent burden: 279.0

Population outlook (Kaufman County) Hauer SSP2

• Today (2025): 138,716 people
• By 2030: 150,815 · +8.7%
• By 2040: 174,877 · +26.1%
• By 2050: 198,020 · +42.8%
• By 2075: 251,908 · +81.6%
• By 2100: 285,325 · +105.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 10% Two or more races 8% Black 2%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Lithuanian 2% Serbian 2% Romanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 4%

Political lean MEDSL · Kaufman

• 2024 margin: Strong R (+27.9) · D 35.6% · R 63.5%
• 2008→2024 swing: +7.9pp toward D · 2008: -35.8pp · 2024: -27.9pp
• All cycles: 2024: R+27.9 2020: R+33.9 2016: R+47.0 2012: R+44.4 2008: R+35.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.14%
• Current HPI: 254.32
• Rent YoY: ▲ 8.13%
• Metro: Dallas-Fort Worth-Arlington, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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

3 events — show timeline

• 2026-03-12 Sold (Public Records) — Public Records
• 2026-01-26 Pending — NTREIS
• 2026-01-16 Listed $287,500 NTREIS

Property tax history

-5.6%/yr

Latest (2025): $479 · +20.0% YoY. Source: county tax records.