122 Rosa St · Edna, TX 77957

$94,900

3 bd · 2.0 ba · 1,128 sqft · SingleFamily public records · 48 Days on market

Built 1982 0.34 ac lot $84/sqft · 48% below area Est $182k · 48% under ↓ 5% since listing

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

Key facts

• 0.34 acre lot
• Built 1982
• Listed 47 days

Property features AI

Finance

• Other: Property is Real Estate Owned (REO); Lot is less than 0.5 acre (approximately 0.34 acre); Subdivision: Edna; County: Jackson (TX)
• Financial info: Accepts Cash and Conventional offers; No second mortgage
• HOA & community: No homeowners association

Exterior

• Parking: Driveway (no garage or carport)
• Utilities: City water; City sewer; Not in a municipal utility district
• Home design: Single-family residence; Residential property; One story; Preowned (built 1982)
• Construction: Brick construction; Composition roof; Slab foundation; Built in 1982
• Exterior features: Covered front porch; Covered porch(es); No fencing

Interior

• Kitchen: Dishwasher; Electric range
• Bedrooms: 3 bedrooms (primary bedroom on main level)
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air; Ceiling fan(s)
• Interior features: One living area; One dining area; Other interior features
• Laundry & utility: Washer hookup; Electric dryer hookup; Utility room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $375 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.0% vs local median 2.8% in Edna — 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 (#254 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Edna ISD (town): math 45% / reading 39% proficiency, ranked #335 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Edna El (math 45% / reading 38%, grade F, #1,437 of 4,322 statewide, top 34%, 222 students, 56% FRL) — zoned schools at 56% FRL track the district average.
• Market conditions: 73 active listings in the ZIP.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Jackson County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $5k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $92,053 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.39% ✓
• Cap rate: 11.03%
• Cash-on-cash: 16.92%
• DSCR: 1.75
• GRM: 6.0

CMA / ARV

• ARV (median comp): $181,512
• List price: $94,900
• Delta: -47.72%
• Verdict: UNDERPRICED
• Comps: 9 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
614 Sarah St	0.50mi	3/1.5	1,248 (+11%)	1mo	$115,000	$92	56
513 Suzanne St	0.23mi	3/1.0	1,296 (+15%)	22mo	$189,000	$146	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.2%
• Equity multiple: 1.32×
• Total profit: $8,512
• Equity at exit: $14,150

10-year hold

• IRR: 17.4%
• Equity multiple: 2.44×
• Total profit: $38,253
• Equity at exit: $8,205

Cash invested: $26,572 (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 77957

• Home prices YoY: -25.8%
• Active inventory: 73
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,322 medium
• Mortgage (P&I): −$498
• Tax from tax record: −$132 /mo · $1,587/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $375

Break-even live

Break-even rent $847

Max offer price $94,900

Occupancy floor 67%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-18
   days on market $94,900 Active 48 DOM
2. 2026-06-17
   days on market $94,900 Active 47 DOM
3. 2026-06-16
   days on market $94,900 Active 46 DOM
4. 2026-06-15
   days on market $94,900 Active 45 DOM
5. 2026-06-13
   days on market $94,900 Active 43 DOM
6. 2026-06-12
   days on market $94,900 Active 42 DOM
7. 2026-06-09
   pricedays on market $94,900 Active 39 DOM

   Show marketing remark (102 chars)

   Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

8. 2026-06-08
   days on market $99,900 Active 38 DOM
9. 2026-06-08
   days on market $99,900 Active 37 DOM
10. 2026-06-07
    days on market $99,900 Active 36 DOM
11. 2026-06-03
    days on market $99,900 Active 33 DOM
12. 2026-06-02
    days on market $99,900 Active 32 DOM
13. 2026-06-01
    days on market $99,900 Active 31 DOM
14. 2026-05-31
    days on market $99,900 Active 30 DOM
15. 2026-04-30
    status Active 102-char remark

    Show marketing remark (102 chars)

    Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

16. 2026-04-30
    status Active

    Show marketing remark (102 chars)

    Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

17. 2026-04-22
    listed $99,900 Active

    Show marketing remark (102 chars)

    Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

18. 2026-04-22
    listed $99,900 Active 102-char remark

    Show marketing remark (102 chars)

    Brick 3 bedroom, 2 bath home home on a 0.34 acre lot. Freddie Mac's First Look period expires 5-22-26.

19. 2022-06-08
    soldstatus
20. 2009-09-01
    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: $1,587 · $132/mo
• Projected year-2 tax: $1,737 · $145/mo
• Expected delta: +$150/yr (+$12/mo · 9.4%)

ⓘ 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 9/10 Extreme 7 d/yr ≥110°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 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: $15,860
• − Mortgage interest: −$5,316
• − Property taxes: −$1,587
• − Insurance: −$474
• − Repairs & maintenance: −$1,269
• − Management: −$1,269
• − Depreciation: −$2,761
• Taxable income: $3,184
• Est. tax owed @ 24.0%: −$764
• After-tax cash flow: $3,732/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: Edna ISD
• NCES district ID: 4818210
• Math proficiency: 45% ▲ 3.00%
• Reading proficiency: 39% ▼ -3.00%
• Median HH income: $47,887
• Composite: 35.99/100
• National rank: #4793
• State rank: #335 of 826 in TX

Livability — Edna

• Score: 72/100
• State rank: #254
• US rank: #5996

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Edna, TX
• Population (ZIP): 8,919

Population outlook (Jackson County) Hauer SSP2

• Today (2025): 16,579 people
• By 2030: 17,480 · +5.4%
• By 2040: 19,328 · +16.6%
• By 2050: 21,182 · +27.8%
• By 2075: 25,781 · +55.5%
• By 2100: 28,184 · +70.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (60%)
• Race & ethnicity: White 60% Hispanic / Latino 30% Two or more races 10% Black 8%
• Hispanic origin (detail): Mexican 26%
• Common ancestry: Lithuanian 3% Romanian 2% Iranian 1%
• Foreign-born: 5% · Canada
• Languages at home: 82% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Jackson

• 2024 margin: Solid R (+70.8) · D 14.3% · R 85.1%
• 2008→2024 swing: -22.9pp toward R · 2008: -47.9pp · 2024: -70.8pp
• All cycles: 2024: R+70.8 2020: R+66.2 2016: R+63.7 2012: R+56.5 2008: R+47.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.92%
• Current HPI: 169.9334
• 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

-5.0% since first listed

9 events — show timeline

• 2026-06-09 Price Changed $94,900 NTREIS
• 2026-06-09 Price Changed $94,900 CTXMLS
• 2026-05-20 Relisted — NTREIS
• 2026-04-30 Relisted — CTXMLS
• 2026-04-30 Relisted — NTREIS
• 2026-04-22 Listed $99,900 CTXMLS
• 2026-04-22 Listed $99,900 NTREIS
• 2022-06-08 Sold (Public Records) — Public Records
• 2009-09-01 Sold (Public Records) — Public Records

Property tax history

+5.3%/yr

Latest (2025): $1,587 · -1.4% YoY. Source: county tax records.