2837 Wilder Loop NE · Rio Rancho, NM 87144

$335,000

4 bd · 2.0 ba · 1,400 sqft · SingleFamily public records · 12 Days on market

Built 2018 4,356 sqft lot Est $368k · 9% under $23/mo HOA · 1% of rent

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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).

• ARV discount +11.6/15.0
• Cash flow +11.0/30.0
• Schools +5.2/10.0
• Rent growth +4.2/5.0
• Livability +3.6/5.0
• DSCR +3.2/10.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Modern comfort meets outdoor living in this beautifully maintained Hidden Valley home! Step inside to an open and airy floor plan featuring wood-look flooring, soaring ceilings, custom niches, and abundant natural light throughout. The stylish kitchen offers granite countertops, subway tile backsplash, stainless steel appliances, recessed lighting, pantry storage, and stunning staggered white cabinetry with crown molding. The thoughtful layout offers spacious living areas and comfortable bedrooms designed for both everyday living and entertaining. Refrigerated air adds year-round comfort and convenience.

Key facts

• Wood-look flooring
• Custom niches
• Open floor plan

Tags

• OUTDOOR LIVING
• OPEN FLOOR PLAN
• WOOD-LOOK FLOORING
• SOARING CEILINGS
• CUSTOM NICHES
• NATURAL LIGHT

Property features AI

Finance

• HOA & community: Homeowners association with semi-annual fee covering common areas

Exterior

• Parking: Attached 2-car garage
• Utilities: Electricity connected; Natural gas connected; Public water; Public sewer
• Home design: Single-story; Faces north; Resale property
• Construction: Frame construction; Shingle roof; Built by Raylee
• Exterior features: Private yard; Sprinkler/irrigation system; Covered patio; Shed(s); Wall fencing; Landscaped lot; Planned unit development; Paved road access

Interior

• Kitchen: Built-in gas range; Dishwasher; Microwave; Refrigerator; Pantry
• Bedrooms: Primary bedroom on main level
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (forced air, natural gas); Refrigerated cooling
• Interior features: Great room; Main level primary bedroom; Dual sinks; Separate shower; Pantry; Walk-in closet(s); Double pane and insulated windows
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-141 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $310k (7.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $256k (23.7% below list).
• Recommended offer: $256k (23.7% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 3.6% in Rio Rancho — 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 71/100 on livability (#17 in NM) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A; Watch: amenities D, commute F.
• Rio Rancho Public Schools (suburban): math 48% / reading 73% proficiency, ranked #4 of 29 in NM (top 14%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Enchanted Hills Elementary (723 students, 15% FRL); Rio Rancho Middle School (1,143 students, 24% FRL); Cleveland High School (math 46% / reading 70%, grade C, #32 of 110 statewide, top 28%, 2,631 students, 18% FRL) — zoned schools average 19% FRL vs 36% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+6.9%/yr); 1325 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,278 units permitted in Sandoval County in 2024 (216 in 5+ unit buildings).
• This rent runs 32% of the median local income ($95k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Sandoval County population projected at +15% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 5y ago 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.

Recommended offer $255,601 (23.7% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.76% ✗
• Cap rate: 5.79%
• Cash-on-cash: -1.81%
• DSCR: 0.92
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $368,200
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2807 Cambridge Ave NE	0.13mi	3/2.0 (-1)	1,436 (+3%)	1mo	$340,000	$237	84
2721 Wilder Loop NE	0.08mi	3/2.0 (-1)	1,244 (-11%)	0mo	$317,700	$255	72
2621 Eglisfield Loop	0.66mi	3/2.0 (-1)	1,420 (+1%)	2mo	$394,490	$278	60
2633 Eglisfield Loop NE	0.68mi	3/2.0 (-1)	1,420 (+1%)	1mo	$407,090	$287	60
2641 Eglisfield Loop NE	0.70mi	3/2.0 (-1)	1,420 (+1%)	0mo	$379,990	$268	60
1510 Gleneagles St NE	0.67mi	3/2.0 (-1)	1,420 (+1%)	2mo	$374,990	$264	59
2528 Camino Azul Loop	0.59mi	3/2.0 (-1)	1,337 (-4%)	2mo	$383,560	$287	58
2613 Eglisfield Loop NE	0.65mi	3/2.0 (-1)	1,519 (+8%)	1mo	$399,990	$263	49
2625 Eglisfield Loop NE	0.67mi	4/2.0	1,602 (+14%)	1mo	$409,990	$256	44
1518 E Gleneagles St	0.68mi	4/2.0	1,602 (+14%)	1mo	$406,990	$254	44
1513 Gleneagles St NE	0.69mi	4/2.0	1,602 (+14%)	0mo	$399,990	$250	43
1521 Gleneagles St NE	0.71mi	4/2.0	1,602 (+14%)	1mo	$399,990	$250	42

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 · 6.88% rent growth · sell at horizon

5-year hold

• IRR: -15.3%
• Equity multiple: 0.44×
• Total profit: $-52,965
• Equity at exit: $49,950

10-year hold

• IRR: -1.6%
• Equity multiple: 0.87×
• Total profit: $-11,842
• Equity at exit: $28,965

Cash invested: $93,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State New Mexico: 55 Moderately Landlord-Leaning · D+3
• County: — inherits STATE
• City: — inherits STATE

3-day notice but with cure rights; relocation assistance in some cities.

Methodology + full state rankings →

ZIP-level market 87144

• Home prices YoY: -30.8%
• Rents YoY: 6.9%
• Active inventory: 1325
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,556 high
• Mortgage (P&I): −$1,757
• Tax from tax record: −$241 /mo · $2,893/yr
• Insurance: −$140
• HOA: −$23
• Vacancy / Maint / Mgmt: −$537
• Net cashflow: $-141

Break-even live

Break-even rent $2,735

Max offer price $310,061

Occupancy floor —

Sensitivity live

Price	-10% $48	-5% $-46	+0% $-141	+5% $-236	+10% $-331
Rent	-10% $-343	-5% $-242	+0% $-141	+5% $-40	+10% $61
Rate	-1.0pp $28	-0.5pp $-56	base $-141	+0.5pp $-228	+1.0pp $-316

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: $83,750
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2593 Eglisfield Loop NE Rio Rancho, NM	3.0	2.0	1446	$2,100	$1.45	45d	1	0.64mi
2590 Camino Plata Loop NE Rio Rancho, NM	3.0	2.0	1694	$2,600	$1.53	45d	1	0.65mi
2313 Melon Ridge Loop NE Rio Rancho, NM	3.0	2.0	1502	$3,200	$2.13	45d	1	1.06mi
3716 Rancher Loop NE Rio Rancho, NM	4.0	2.0	1680	$2,100	$1.25	3d	1	1.07mi
2600 Idalia Rd NE Rio Rancho, NM	3.0	2.0	1750	$2,500	$1.43	4d	1	1.25mi

HOA detail

• Monthly dues: $23 · $276/yr

Listing history 9 events

1. 2026-06-07
   statusdays on market $335,000 Pending 12 DOM
2. 2026-06-03
   days on market $335,000 Active 11 DOM
3. 2026-06-02
   days on market $335,000 Active 10 DOM
4. 2026-06-01
   days on market $335,000 Active 9 DOM
5. 2026-05-31
   days on market $335,000 Active 8 DOM
6. 2026-05-21
   listed $335,000 Active
7. 2021-07-19
   soldstatus
8. 2021-06-07
   status Pending
9. 2021-06-03
   listed $247,000 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 NM · Resets to sale price

• Current annual tax: $2,893 · $241/mo
• Projected year-2 tax: $2,893 · $241/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,672
• − Mortgage interest: −$18,765
• − Property taxes: −$2,893
• − Insurance: −$1,675
• − Repairs & maintenance: −$2,454
• − Management: −$2,454
• − HOA: −$276
• − Depreciation: −$9,745
• Taxable loss: −$7,590
• Est. tax savings @ 24.0%: +$1,822
• After-tax cash flow: $127/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: Rio Rancho Public Schools
• NCES district ID: 3500010
• Math proficiency: 48% ▲ 38.00%
• Reading proficiency: 73% ▲ 48.00%
• Median HH income: $59,410
• Composite: 52.29/100
• National rank: #1595
• State rank: #4 of 29 in NM

Livability — Rio Rancho

• Score: 71/100
• State rank: #17
• US rank: #7253

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rio Rancho, NM
• County: Sandoval County · 110,336 people
• City population: 110,336
• Metro: Albuquerque, NM
• Population (ZIP): 51,837
• Household income: $94,550
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 528.0

Population outlook (Sandoval County) Hauer SSP2

• Today (2025): 155,072 people
• By 2030: 161,714 · +4.3%
• By 2040: 171,831 · +10.8%
• By 2050: 178,536 · +15.1%
• By 2075: 192,517 · +24.1%
• By 2100: 197,952 · +27.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 44% Hispanic / Latino 44% Two or more races 24% Native American 4% Black 3% Asian 1%
• Hispanic origin (detail): Mexican 23% Puerto Rican 1%
• Common ancestry: Slovak 3% Lithuanian 3% Italian 2%
• Foreign-born: 5% · Canada
• Languages at home: 80% English-only · Spanish 16%

Political lean MEDSL · Sandoval

• 2024 margin: Lean D (+5.8) · D 51.8% · R 46.0% · Other 2.2%
• 2008→2024 swing: -7.0pp toward R · 2008: 12.8pp · 2024: 5.8pp
• All cycles: 2024: D+5.8 2020: D+8.4 2016: D+2.7 2012: D+5.1 2008: D+12.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.68%
• Current HPI: 215.124
• Rent YoY: ▲ 6.88%
• Metro: Albuquerque, NM
• State GDP YoY: —
• F500 in state: 0

Price history

+35.6% since first listed

4 events — show timeline

• 2026-05-21 Listed $335,000 Southwest MLS
• 2021-07-19 Sold (Public Records) — Public Records
• 2021-06-07 Pending — Southwest MLS
• 2021-06-03 Listed $247,000 Southwest MLS

Property tax history

+54.4%/yr

Latest (2024): $2,893 · +2.6% YoY. Source: county tax records.