14005 N Loyola Ave · Gardendale, TX 79758

$220,000

3 bd · 2.0 ba · 1,352 sqft · Manufactured public records · 5 Days on market

Built 2009 1.41 ac lot

---

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 +22.6/30.0
• ARV discount +7.5/15.0
• DSCR +7.2/10.0
• 1% rule +5.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

Key facts

• 1.41 acre lot
• Built 2009
• Listed 5 days

Property features AI

Exterior

• Parking: No parking provided
• Utilities: Public water; Septic tank sewer; Propane utilities; Solar energy generation
• Home design: Double wide manufactured home; Residential single-family property
• Construction: Pillar/post/pier foundation; Built with composition roofing
• Exterior features: No notable exterior features listed; Composition roof

Interior

• Kitchen: Electric range; Microwave; Dishwasher
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central electric air conditioning
• Interior features: Pantry; Breakfast bar
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $220k.

Deal economics

• At list price, monthly cash flow is $248 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $220k).

Location & tenants

• Location reads 67/100 on livability (#562 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Ector County ISD (urban): math 22% / reading 27% proficiency, ranked #707 of 826 in TX (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Barbara Jordan El (math 33% / reading 42%, grade F, #1,744 of 4,322 statewide, top 41%, 854 students, 51% FRL); Permian H S (math 19% / reading 29%, grade F, #1,333 of 1,632 statewide, top 82%, 3,978 students, 51% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: 80 active listings in the ZIP; 1,004 units permitted in Ector County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Ector County population projected at +78% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

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

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $220,000

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.01% ✓
• Cap rate: 8.33%
• Cash-on-cash: 7.28%
• DSCR: 1.32
• GRM: 8.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.8%
• Equity multiple: 0.68×
• Total profit: $-19,800
• Equity at exit: $32,803

10-year hold

• IRR: 0.7%
• Equity multiple: 1.05×
• Total profit: $3,244
• Equity at exit: $19,022

Cash invested: $61,600 (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

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 79758

• Home prices YoY: -27.1%
• Active inventory: 80
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,227 medium
• Mortgage (P&I): −$1,154
• Tax from tax record: −$141 /mo · $1,688/yr
• Insurance: −$92
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$468
• Net cashflow: $248

Break-even live

Break-even rent $1,913

Max offer price $220,000

Occupancy floor 84%

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: $55,000
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-03
   status $220,000 Pending 5 DOM
2. 2026-06-01
   days on market $220,000 Active 5 DOM
3. 2026-05-31
   days on market $220,000 Active 4 DOM
4. 2026-05-30
   days on market $220,000 Active 3 DOM
5. 2026-05-27
   listed $220,000 Active
6. 2024-08-23
   soldstatus Closed 106-char remark

   Show marketing remark (106 chars)

   Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

7. 2024-08-01
   status Pending 106-char remark

   Show marketing remark (106 chars)

   Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

8. 2024-07-13
   price $199,000 106-char remark

   Show marketing remark (106 chars)

   Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

9. 2024-07-01
   price $212,000 106-char remark

   Show marketing remark (106 chars)

   Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

10. 2024-06-13
    price $219,000 106-char remark

    Show marketing remark (106 chars)

    Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

11. 2024-05-10
    price $224,000 106-char remark

    Show marketing remark (106 chars)

    Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

12. 2024-04-12
    listed $239,000 Active 106-char remark

    Show marketing remark (106 chars)

    Loads of updates Roof replaced, Flooring replaced, Paint and much more. Take a look and see YOUR NEW HOME.

13. 2023-08-14
    price $195,000
14. 2022-07-29
    soldstatus

ⓘ 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: $1,688 · $141/mo
• Projected year-2 tax: $4,026 · $336/mo
• Expected delta: +$2,338/yr (+$195/mo · 138.5%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone A · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 6/10 Major 7 d/yr ≥101°F today · 23 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $26,729
• − Mortgage interest: −$12,323
• − Property taxes: −$1,688
• − Insurance: −$2,602
• − Repairs & maintenance: −$2,138
• − Management: −$2,138
• − Depreciation: −$6,400
• Taxable loss: −$562
• Est. tax savings @ 24.0%: +$135
• After-tax cash flow: $3,116/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: Ector County ISD
• NCES district ID: 4818000
• Math proficiency: 22% ▼ -9.00%
• Reading proficiency: 27% ▼ -4.00%
• Median HH income: $52,740
• Composite: 21.89/100
• National rank: #8233
• State rank: #707 of 826 in TX

Livability — Gardendale

• Score: 67/100
• State rank: #562
• US rank: #10774

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,568

Population outlook (Ector County) Hauer SSP2

• Today (2025): 212,765 people
• By 2030: 241,962 · +13.7%
• By 2040: 306,582 · +44.1%
• By 2050: 379,755 · +78.5%
• By 2075: 568,991 · +167.4%
• By 2100: 709,829 · +233.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (57%)
• Race & ethnicity: White 57% Hispanic / Latino 40% Two or more races 9%
• Hispanic origin (detail): Mexican 39%
• Common ancestry: Serbian 3% German 2% Subsaharan African 2%
• Foreign-born: 7% · Canada
• Languages at home: 73% English-only · Spanish 26% Russian/Polish/Slavic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Ector

• 2024 margin: Solid R (+52.9) · D 23.2% · R 76.1%
• 2008→2024 swing: -4.9pp toward R · 2008: -48.0pp · 2024: -52.9pp
• All cycles: 2024: R+52.9 2020: R+47.8 2016: R+40.6 2012: R+48.9 2008: R+48.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.41%
• Current HPI: 219.4945
• 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
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

+12.8% since first listed

10 events — show timeline

• 2026-05-27 Listed $220,000 ODMLS
• 2024-08-23 Sold (MLS) — ODMLS
• 2024-08-01 Pending — ODMLS
• 2024-07-13 Price Changed $199,000 ODMLS
• 2024-07-01 Price Changed $212,000 ODMLS
• 2024-06-13 Price Changed $219,000 ODMLS
• 2024-05-10 Price Changed $224,000 ODMLS
• 2024-04-12 Listed $239,000 ODMLS
• 2023-08-14 Price Changed $195,000 ODMLS
• 2022-07-29 Sold (Public Records) — Public Records

Property tax history

+12.3%/yr

Latest (2025): $1,688 · +14.6% YoY. Source: county tax records.