714 La Quinta Dr · Pharr, TX 78577

$169,900

3 bd · 1.0 ba · 1,546 sqft · SingleFamily public records · 324 Days on market

Built 2001 6,023 sqft lot $110/sqft · at area comps Est $171k · at est. ↓ 3% since listing

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Why this score? — see what drove the F 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 +8.2/30.0
• ARV discount +7.9/15.0
• Livability +3.6/5.0
• 1% rule +3.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• DSCR +2.2/10.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

4 bedroom 2 full baths with a spacious enclosed single car garage that adds living space for a family room, game room, or an additional bedroom. Washer / Dryer connections inside. Spacious living area, Master bedroom has its own bathroom.

Key facts

• 6,023 sq ft lot
• Built 2001
• Listed 324 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-159 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $142k (16.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $145k (14.9% below list).
• Recommended offer: $142k (16.5% below list) — sets the bar for cash-flow.
• Cap rate 5.2% vs local median 3.4% in Pharr — 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 72/100 on livability (#245 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D, amenities F, commute F.
• Pharr-San Juan-Alamo ISD (suburban): math 18% / reading 30% proficiency, ranked #740 of 826 in TX (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.2%/yr); 451 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).
• This rent runs 33% of the median local income ($53k/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 $1k of loan paydown is wiped out by about $5k 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 324 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $141,845 (16.5% 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. It's been on market 324 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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?
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: 0.85% ✗
• Cap rate: 5.17%
• Cash-on-cash: -4.01%
• DSCR: 0.82
• GRM: 9.8

CMA / ARV

• ARV (median comp): $171,352
• List price: $169,900
• Delta: -0.85%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
903 W La Quinta Ave	0.21mi	3/2.0	1,587 (+3%)	3mo	$250,000	$158	80
711 W Dipper Ave	0.08mi	4/2.0 (+1)	1,472 (-5%)	6mo	$174,000	$118	74
503 W Green Jay Ave	0.31mi	3/2.0	1,480 (-4%)	6mo	$142,000	$96	70
509 W Starr Ave	0.41mi	4/2.5 (+1)	1,500 (-3%)	3mo	$189,000	$126	63
409 W Flores St	0.57mi	3/2.0	1,500 (-3%)	5mo	$145,000	$97	60
1000 W La Quinta Dr	0.23mi	3/2.0	1,322 (-14%)	7mo	$163,000	$123	55
6707 S Amarillo Ln	0.51mi	3/2.0	1,407 (-9%)	3mo	$235,000	$167	55
1007 Blue Jay Ave	0.34mi	3/2.0	1,330 (-14%)	4mo	$189,000	$142	54
6706 Primavera St	0.74mi	3/2.0	1,588 (+3%)	5mo	$195,000	$123	53
6707 S Rivera St	0.46mi	3/2.0	1,328 (-14%)	1mo	$110,000	$83	50
708 W Villa Ave	0.73mi	3/2.0	1,349 (-13%)	3mo	$140,000	$104	38
6608 Primavera St	0.71mi	3/2.0	1,348 (-13%)	8mo	$223,000	$165	34

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: -26.8%
• Equity multiple: 0.12×
• Total profit: $-41,782
• Equity at exit: $25,333

10-year hold

• IRR: -41.9%
• Equity multiple: -0.37×
• Total profit: $-65,373
• Equity at exit: $14,690

Cash invested: $47,572 (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 78577

• Home prices YoY: -8.1%
• Rents YoY: -0.2%
• Active inventory: 451
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,445 high
• Mortgage (P&I): −$891
• Tax from tax record: −$339 /mo · $4,066/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $-159

Break-even live

Break-even rent $1,646

Max offer price $141,845

Occupancy floor —

Sensitivity live

Price	-10% $-63	-5% $-111	+0% $-159	+5% $-207	+10% $-255
Rent	-10% $-273	-5% $-216	+0% $-159	+5% $-102	+10% $-45
Rate	-1.0pp $-73	-0.5pp $-116	base $-159	+0.5pp $-203	+1.0pp $-248

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6703 S Oro Ln Pharr, TX	4.0	2.5	1786	$1,700	$0.95	15d	1	0.44mi
6707 S Rios St Pharr, TX	2.0	2.0	1545	$1,200	$0.78	15d	1	0.50mi
719 Sherryl Ave Pharr, TX	3.0	2.0	1524	$1,500	$0.98	15d	1	1.05mi
321 E Greg Dr Pharr, TX	3.0	2.0	1368	$1,500	$1.10	45d	1	1.19mi
901 E Thomas Dr Pharr, TX	3.0	2.0	1100	$1,295	$1.18	24d	1	1.35mi

Listing history 17 events

1. 2026-06-18
   days on market $169,900 Active 324 DOM
2. 2026-06-17
   days on market $169,900 Active 323 DOM
3. 2026-06-16
   days on market $169,900 Active 322 DOM
4. 2026-06-15
   days on market $169,900 Active 321 DOM
5. 2026-06-14
   days on market $169,900 Active 319 DOM
6. 2026-06-13
   days on market $169,900 Active 318 DOM
7. 2026-06-10
   days on market $169,900 Active 316 DOM
8. 2026-06-09
   days on market $169,900 Active 315 DOM
9. 2026-06-08
   days on market $169,900 Active 314 DOM
10. 2026-06-07
    days on market $169,900 Active 313 DOM
11. 2026-06-03
    days on market $169,900 Active 309 DOM
12. 2026-06-02
    days on market $169,900 Active 308 DOM
13. 2026-06-01
    days on market $169,900 Active 307 DOM
14. 2026-05-31
    days on market $169,900 Active 306 DOM
15. 2026-05-31
    days on market $169,900 Active 305 DOM
16. 2025-11-08
    price $169,900 239-char remark

    Show marketing remark (239 chars)

    4 bedroom 2 full baths with a spacious enclosed single car garage that adds living space for a family room, game room, or an additional bedroom. Washer / Dryer connections inside. Spacious living area, Master bedroom has its own bathroom.

17. 2025-07-28
    listed $175,000 Active 239-char remark

    Show marketing remark (239 chars)

    4 bedroom 2 full baths with a spacious enclosed single car garage that adds living space for a family room, game room, or an additional bedroom. Washer / Dryer connections inside. Spacious living area, Master bedroom has its own bathroom.

ⓘ 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: $4,066 · $339/mo
• Projected year-2 tax: $4,066 · $339/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,344
• − Mortgage interest: −$9,517
• − Property taxes: −$4,066
• − Insurance: −$850
• − Repairs & maintenance: −$1,388
• − Management: −$1,388
• − Depreciation: −$4,943
• Taxable loss: −$4,806
• Est. tax savings @ 24.0%: +$1,154
• After-tax cash flow: $-752/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: Pharr-San Juan-Alamo ISD
• NCES district ID: 4834860
• Math proficiency: 18% ▼ -34.00%
• Reading proficiency: 30% ▼ -11.00%
• Median HH income: $33,757
• Composite: 19.63/100
• National rank: #8744
• State rank: #740 of 826 in TX

Livability — Pharr

• Score: 72/100
• State rank: #245
• US rank: #5852

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pharr, TX
• County: Hidalgo County · 623,128 people
• City population: 80,540
• Metro: McAllen-Edinburg-Mission, TX
• Population (ZIP): 80,540
• Household income: $52,770
• Rent vs Own: 41.0% rent · 59.0% own
• Severe rent burden: 2161.0

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 (95%)
• Race & ethnicity: Hispanic / Latino 95% Two or more races 45% White 5%
• Hispanic origin (detail): Mexican 92%
• Foreign-born: 29% · Canada
• Languages at home: 18% English-only · Spanish 81%

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: —

Market trends

• HPI YoY: ▼ -23.00%
• Current HPI: 261.1606
• Rent YoY: ▼ -0.24%
• Metro: McAllen-Edinburg-Mission, 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

-2.9% since first listed

2 events — show timeline

• 2025-11-08 Price Changed $169,900 MCALLENMLS
• 2025-07-28 Listed $175,000 MCALLENMLS

Property tax history

+5.1%/yr

Latest (2025): $4,066 · -8.1% YoY. Source: county tax records.