4902 Marcella Ave #11 · Laredo, TX 78041

$125,000

2 bd · 1.0 ba · 802 sqft · Condo public records · 47 Days on market

Built 1981

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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).

• Cash flow +15.4/30.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• 1% rule +3.8/10.0
• Livability +3.7/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Condo very well maintained. Move in ready. Condo has solar screens. A must see. GREAT investment property!! Close to supermarkets, mall, gas stations, and restaurants.

Key facts

• Close to restaurants
• Investment property
• Solar screens

Tags

• SOLAR SCREENS
• INVESTMENT PROPERTY
• CLOSE TO SUPERMARKETS
• CLOSE TO MALL
• CLOSE TO GAS STATIONS
• CLOSE TO RESTAURANTS

Property features AI

Exterior

• Parking: Asphalt parking
• Utilities: Public water; Underground utilities
• Home design: Condo/Townhouse; Residential property; 2 stories; Located in Calton Gardens subdivision
• Construction: Brick veneer exterior; Slab foundation
• Exterior features: Wood fencing; Level lot

Interior

• Kitchen: Range
• Flooring: Carpet; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Electric heating; Central air conditioning; Ceiling fan(s)
• Interior features: Range; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $47 ($565/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (12.1% below list).
• Recommended offer: $110k (12.1% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.1% in Laredo — 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 73/100 on livability (#227 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, employment D+, amenities F.
• United ISD (urban): math 27% / reading 38% proficiency, ranked #568 of 826 in TX (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Clark El (math 22% / reading 27%, grade F, #3,052 of 4,322 statewide, top 74%, 404 students, 91% FRL); Clark Middle (math 24% / reading 29%, grade F, #1,200 of 1,662 statewide, top 73%, 568 students, 88% FRL); John B Alexander H S (math 36% / reading 59%, grade D, #583 of 1,632 statewide, top 36%, 3,070 students, 60% FRL).
• Market conditions: 125 active listings in the ZIP; 25 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; 1,448 units permitted in Webb County in 2024 (245 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Webb County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.

Recommended offer $109,906 (12.1% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.88% ✗
• Cap rate: 6.74%
• Cash-on-cash: 1.61%
• DSCR: 1.07
• GRM: 9.5

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: -13.7%
• Equity multiple: 0.51×
• Total profit: $-17,268
• Equity at exit: $18,638

10-year hold

• IRR: -4.9%
• Equity multiple: 0.68×
• Total profit: $-11,217
• Equity at exit: $10,808

Cash invested: $35,000 (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 78041

• Active inventory: 125
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,099 high
• Mortgage (P&I): −$656
• Tax from tax record: −$114 /mo · $1,363/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $47

Break-even live

Break-even rent $1,039

Max offer price $125,000

Occupancy floor 91%

Sensitivity live

Price	-10% $118	-5% $82	+0% $47	+5% $12	+10% $-24
Rent	-10% $-40	-5% $4	+0% $47	+5% $90	+10% $134
Rate	-1.0pp $110	-0.5pp $79	base $47	+0.5pp $15	+1.0pp $-18

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5402 Marcella Ave Unit 209B Laredo, TX	2.0	1.5	754	$1,150	$1.53	45d	1	0.12mi
5402 Marcella Ave Unit 103A Laredo, TX	1.0	1.0	754	$925	$1.23	45d	1	0.12mi
5402 Marcella Ave Unit 102A Laredo, TX	2.0	1.5	783	$1,200	$1.53	45d	1	0.12mi
5402 Marcella Ave Unit 201A Laredo, TX	3.0	2.0	807	$1,300	$1.61	45d	1	0.14mi
5402 Marcella Ave Unit 302 A Laredo, TX	2.0	1.5	754	$1,040	$1.38	45d	1	0.14mi
5410 Marcella Ave #9 Laredo, TX	2.0	2.0	945	$1,300	$1.38	45d	1	0.17mi
5410 Marcella Ave Unit 13 Laredo, TX	2.0	2.0	945	$1,200	$1.27	45d	1	0.17mi
4505 Springfield Ave Laredo, TX	1.0–3.0	1.0–2.0	740	$875	$1.18	45d	3	0.44mi
419 W Eistetter St Unit 7 Laredo, TX	2.0	1.0	756	$980	$1.30	45d	1	0.66mi
705 Bustamante St Unit 6 Laredo, TX	2.0	1.0	585	$850	$1.45	45d	1	0.69mi
1204 E Hillside Rd Laredo, TX	1.0–2.0	1.0	755	$950	$1.26	45d	1	0.78mi
1315 E Hillside Rd Laredo, TX	2.0	1.5	920	$1,000	$1.09	45d	1	0.86mi
5816 Longoria Loop Laredo, TX	3.0	2.0	1007	$1,300	$1.29	45d	1	0.93mi
3801 Salinas Ave Unit 12 Laredo, TX	2.0	1.0	654	$925	$1.41	45d	1	1.05mi
508 Gale St Laredo, TX	1.0	1.0	660	$760	$1.15	45d	1	1.07mi
1303 Philadelphia St Unit 3 Laredo, TX	1.0	1.0	554	$850	$1.53	45d	1	1.07mi
1502 E San Pedro St Laredo, TX	2.0	1.0	793	$900	$1.13	45d	1	1.07mi
1502 E San Pedro St Unit 11 Laredo, TX	2.0	1.0	793	$900	$1.13	45d	1	1.07mi
508 Gale St Apt 9 Laredo, TX	2.0	1.0	850	$975	$1.15	45d	1	1.07mi
508 Gale St Apt 21 Laredo, TX	2.0	1.0	850	$950	$1.12	45d	1	1.07mi
1502 Calle del Norte Laredo, TX	1.0	1.0	660	$760	$1.15	45d	1	1.21mi
1502 Calle del Norte Unit 47 Up Laredo, TX	2.0	1.0	850	$950	$1.12	45d	1	1.24mi
1502 Quail Ct Laredo, TX	1.0	1.0	650	$1,100	$1.69	45d	1	1.25mi
1616 Calle del Norte Laredo, TX	1.0–2.0	1.0	755	$950	$1.26	45d	1	1.30mi
6718 Springfield Ave Laredo, TX	1.0–3.0	1.0–2.5	967	$1,370	$1.42	45d	13	1.34mi

HOA detail condo

• Monthly dues: $0 · $0/yr
• Likely covers: gas
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 20 events

1. 2026-06-21
   days on market $125,000 Active 47 DOM
2. 2026-06-19
   days on market $125,000 Active 45 DOM
3. 2026-06-18
   days on market $125,000 Active 44 DOM
4. 2026-06-17
   days on market $125,000 Active 43 DOM
5. 2026-06-16
   days on market $125,000 Active 42 DOM
6. 2026-06-15
   days on market $125,000 Active 41 DOM
7. 2026-06-14
   days on market $125,000 Active 39 DOM
8. 2026-06-13
   days on market $125,000 Active 38 DOM
9. 2026-06-10
   days on market $125,000 Active 36 DOM
10. 2026-06-09
    days on market $125,000 Active 35 DOM
11. 2026-06-08
    days on market $125,000 Active 34 DOM
12. 2026-06-07
    days on market $125,000 Active 33 DOM
13. 2026-06-03
    days on market $125,000 Active 29 DOM
14. 2026-06-02
    days on market $125,000 Active 28 DOM
15. 2026-06-01
    days on market $125,000 Active 27 DOM
16. 2026-05-31
    days on market $125,000 Active 26 DOM
17. 2026-05-30
    days on market $125,000 Active 25 DOM
18. 2026-05-05
    listed $125,000 Active 168-char remark
19. 2015-04-08
    soldstatus
20. 2000-04-07
    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: $1,363 · $114/mo
• Projected year-2 tax: $2,288 · $191/mo
• Expected delta: +$924/yr (+$77/mo · 67.8%)

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

Taxation est. · year 1

• Rental income: $13,189
• − Mortgage interest: −$7,002
• − Property taxes: −$1,363
• − Insurance: −$625
• − Repairs & maintenance: −$1,055
• − Management: −$1,055
• − Depreciation: −$3,636
• Taxable loss: −$1,548
• Est. tax savings @ 24.0%: +$372
• After-tax cash flow: $936/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: United ISD
• NCES district ID: 4843650
• Math proficiency: 27% ▼ -36.00%
• Reading proficiency: 38% ▼ -11.00%
• Median HH income: $47,780
• Composite: 28.02/100
• National rank: #6848
• State rank: #568 of 826 in TX

Livability — Laredo

• Score: 73/100
• State rank: #227
• US rank: #5399

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Laredo, TX
• City population: 67,333
• Population (ZIP): 47,089

Population outlook (Webb County) Hauer SSP2

• Today (2025): 301,387 people
• By 2030: 316,307 · +5.0%
• By 2040: 345,636 · +14.7%
• By 2050: 370,647 · +23.0%
• By 2075: 413,907 · +37.3%
• By 2100: 416,458 · +38.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (93%)
• Race & ethnicity: Hispanic / Latino 93% Two or more races 52% White 5% Asian 1%
• Hispanic origin (detail): Mexican 87%
• Foreign-born: 24% · Canada, South Korea
• Languages at home: 14% English-only · Spanish 85%

Political lean MEDSL · Webb

• 2024 margin: Toss-up / Even · D 48.5% · R 50.7%
• 2008→2024 swing: -45.6pp toward R · 2008: 43.4pp · 2024: -2.2pp
• All cycles: 2024: R+2.2 2020: D+23.3 2016: D+51.6 2012: D+54.0 2008: D+43.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -188.15%
• Current HPI: 162.152
• 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

3 events — show timeline

• 2026-05-05 Listed $125,000 LAOR
• 2015-04-08 Sold (Public Records) — Public Records
• 2000-04-07 Sold (Public Records) — Public Records

Property tax history

+0.7%/yr

Latest (2025): $1,363 · +5.3% YoY. Source: county tax records.