5414 Rincon Dr · Laredo, TX 78046

$2,100

4 bd · 2.5 ba · 1,272 sqft · SingleFamily public records · 6 Days on market

Built 2020 4,888 sqft lot

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• 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

Other Sq Ft (non-Main L. A. ) Garage 400 sq ft

Key facts

• 4,888 sq ft lot
• 2 garage spots
• Built 2020

Property features AI

Finance

• Other: Subdivision: Southern Development

Exterior

• Parking: Attached concrete 2-car garage
• Security: Smoke detector(s)
• Utilities: Public water; Underground utilities
• Home design: Single family residence; 2 stories
• Construction: Stucco construction; Slab foundation
• Exterior features: Wood fencing; Level lot; Corner lot

Interior

• Kitchen: Range; Refrigerator
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air; Ceiling fan(s)
• Interior features: Range; Refrigerator; Electric water heater; Smoke detector(s)
• Laundry & utility: Electric water heater

🏷️ Possibly a rental listed for sale. The $2,100 price doesn't fit this home's estimated sale value (~$194,616) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $2k.

Deal economics

• At list price, monthly cash flow is $1k ($16k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $2k).
• Cap rate 783.0% 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: schools C-, crime C-, employment D+.
• 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.
• Market conditions: 482 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 45d 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 $15 of loan paydown is wiped out by about $63 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $588 cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $2,100

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 82.80% ✓
• Cap rate: 782.96%
• Cash-on-cash: 2773.80%
• DSCR: 124.42
• GRM: 0.1

CMA / ARV

• ARV (on-the-fly): $194,616
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
910 Birney Dr	0.28mi	3/2.0 (-1)	1,238 (-3%)	22mo	$190,000	$153	57

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: —
• Equity multiple: 147.69×
• Total profit: $86,252
• Equity at exit: $313

10-year hold

• IRR: —
• Equity multiple: 318.48×
• Total profit: $186,680
• Equity at exit: $182

Cash invested: $588 (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 78046

• Home prices YoY: -13.0%
• Active inventory: 482
• Price-to-rent: 0.1×

Monthly cashflow live

• Estimated rent: $1,739 high
• Mortgage (P&I): −$11
• Tax est. 1.5%: −$3 /mo · $32/yr
• Insurance: −$1
• HOA: −$0
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $1,359

Break-even live

Break-even rent $18

Max offer price $2,100

Occupancy floor 17%

Sensitivity live

Price	-10% $1,361	-5% $1,360	+0% $1,359	+5% $1,358	+10% $1,358
Rent	-10% $1,222	-5% $1,290	+0% $1,359	+5% $1,428	+10% $1,497
Rate	-1.0pp $1,360	-0.5pp $1,360	base $1,359	+0.5pp $1,359	+1.0pp $1,358

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: $525
• Closing costs: $63
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1025 La Muralla St Laredo, TX	4.0	2.0	1500	$1,950	$1.30	44d	1	0.16mi
1201 Gage Loop Unit G80 Laredo, TX	3.0	2.0	981	$1,475	$1.50	44d	1	0.31mi
1021 Savannah Loop Laredo, TX	3.0	2.5	1096	$1,650	$1.51	45d	1	0.50mi
402 Prescott Loop Laredo, TX	3.0	2.0	1122	$1,550	$1.38	44d	1	0.50mi
1426 Los Estribos Dr Laredo, TX	3.0	2.0	1492	$1,900	$1.27	44d	1	1.07mi
1610 Coba Dr Unit 1 Laredo, TX	3.0	2.0	1643	$1,750	$1.07	44d	1	1.09mi
1606 Coba Dr Laredo, TX	4.0	2.0	1671	$1,800	$1.08	44d	1	1.09mi
1612 Cordova Dr Laredo, TX	3.0	2.0	1657	$1,750	$1.06	44d	1	1.14mi
1011 Emerald Valley Dr #101 Laredo, TX	3.0	2.5	1659	$1,700	$1.02	44d	1	1.35mi
1011 Emerald Valley Dr Unit 112 B Laredo, TX	3.0	2.5	1659	$1,500	$0.90	44d	1	1.35mi

Listing history 7 events

1. 2026-06-19
   days on market $2,100 Active 6 DOM
2. 2026-06-18
   days on market $2,100 Active 5 DOM
3. 2026-06-17
   days on market $2,100 Active 4 DOM
4. 2026-06-16
   days on market $2,100 Active 3 DOM
5. 2026-06-15
   days on market $2,100 Active 2 DOM
6. 2026-06-14
   remarks 46-char remark
7. 2026-06-14
   listed $2,100 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥110°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $20,866
• − Mortgage interest: −$118
• − Property taxes: −$32
• − Insurance: −$10
• − Repairs & maintenance: −$1,669
• − Management: −$1,669
• − Depreciation: −$61
• Taxable income: $17,307
• Est. tax owed @ 24.0%: −$4,154
• After-tax cash flow: $12,156/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): 71,965

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 (97%)
• Race & ethnicity: Hispanic / Latino 97% Two or more races 53% White 2%
• Hispanic origin (detail): Mexican 92%
• Foreign-born: 22% · Canada
• Languages at home: 9% English-only · Spanish 91%

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: ▼ -29.36%
• Current HPI: 196.8153
• 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

1 event — show timeline

• 2026-06-13 Listed $2,100 LAOR

Property tax history

+40.7%/yr

Latest (2025): $3,713 · -1.7% YoY. Source: county tax records.