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C- Composite 51.99
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 +16.0/30.0
  • ARV discount +15.0/15.0
  • DSCR +4.9/10.0
  • 1% rule +4.2/10.0
  • Livability +3.6/5.0
  • Schools +3.3/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$139,900

1301 Briarwood Dr · Lufkin, TX 75901
3 bd · 1.0 ba · 1,238 sqft · SingleFamily public records · 9 Days on market
Built 1946 0.28 ac lot Est $173k · 19% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

This property is perfect for a family who loves outdoor living, featuring a spacious yard fully enclosed by a chain-link fence. The backyard is ideal for entertaining, complete with an in-ground fire pit—perfect for cookouts and gatherings. You'll find a versatile workshop for projects and a charming she shed that offers a private retreat, hobby space, or home office. Inside, the home offers a large primary bedroom with a walk-in closet, separate shower, and a relaxing jetted tub. The open-concept living area is anchored by a beautiful kitchen bar with additional storage underneath—perfect for both everyday living and entertaining. Two additional bedrooms are conveniently locate

Key facts

  • Spacious yard
  • In-ground fire pit
  • Chain-link fence

Tags

SPACIOUS YARDCHAIN-LINK FENCEIN-GROUND FIRE PITVERSATILE WORKSHOPCHARMING SHE SHEDOPEN-CONCEPT LIVING AREA

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

  • At list price, monthly cash flow is $69 ($828/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 $128k (8.3% below list).
  • Recommended offer: $128k (8.3% below list) — sets the bar for 1% rule.
  • Cap rate 6.9% vs local median 3.6% in Lufkin — 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 (#240 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, crime F, commute F.
  • Lufkin ISD (town): math 39% / reading 39% proficiency, ranked #446 of 826 in TX (top 54%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 297 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 120 units permitted in Angelina County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

  • Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

  • Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $128,281 (8.3% below list)

Questions for the listing agent

  1. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  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
0.92%
Cap rate
6.88%
Cash-on-cash
2.11%
DSCR
1.09
GRM
9.1

CMA / ARV

ARV (on-the-fly)
$173,320
Comps found
2
Show comp detail 2 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
111 Hemlock Rd 0.46mi 3/2.0 1,260 (+2%) 0mo $149,000 $118 71
204 River Oak St 0.66mi 3/2.5 1,347 (+9%) 23mo $189,000 $140 30

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
-12.9%
Equity multiple
0.53×
Total profit
$-18,269
Equity at exit
$20,860
10-year hold
IRR
-3.9%
Equity multiple
0.74×
Total profit
$-10,226
Equity at exit
$12,096

Cash invested: $39,172 (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.

ZIP-level market 75901

Home prices YoY
-16.9%
Active inventory
297
Price-to-rent
9.1×

Monthly cashflow live

Estimated rent
$1,283 medium interval (Pro) →
Mortgage (P&I)
$734
Tax from tax record
$152 /mo · $1,830/yr
Insurance
$58
HOA
$0
Vacancy / Maint / Mgmt
$269
Net cashflow
$69

Break-even live

Break-even rent $1,195
Max offer price $139,900
Occupancy floor 90%

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
$34,975
Closing costs
$4,197
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
310 Cousart St Lufkin, TX 3.0 1.0 952 $1,100 $1.16 43d 1 0.35mi
120 E Denman Ave Lufkin, TX 2.0 2.0 985 $1,300 $1.32 43d 1 1.26mi
107 Shady Bend Dr Lufkin, TX 2.0 1.0 930 $1,000 $1.08 43d 1 1.43mi

Listing history 3 events

  1. 2026-04-23
    status Pending
  2. 2026-04-14
    listed $139,900 Active
  3. 1988-01-21
    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
$1,830 · $152/mo
Projected year-2 tax
$2,560 · $213/mo
Expected delta
+$731/yr (+$61/mo · 39.9%)

ⓘ 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 4/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 25 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$15,394
− Mortgage interest
−$7,837
− Property taxes
−$1,830
− Insurance
−$700
− Repairs & maintenance
−$1,231
− Management
−$1,231
− Depreciation
−$4,070
Taxable loss
−$1,505
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$361
After-tax cash flow
$1,189/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
Lufkin ISD
NCES district ID
4828550
Math proficiency
39% ▼ -9.00%
Reading proficiency
39% ▬ 0.00%
Median HH income
$41,009
Composite
32.81/100
National rank
#5625
State rank
#446 of 826 in TX

Livability — Lufkin

Score
72/100
State rank
#240
US rank
#5792

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Lufkin, TX
County
Angelina County · 62,696 people
City population
62,696
Metro
Lufkin, TX
Population (ZIP)
28,234
Household income
$62,966
Rent vs Own
36.5% rent · 63.5% own
Severe rent burden
930.0

Population outlook (Angelina County) Hauer SSP2

Today (2025)
90,174 people
By 2030
90,697 · +0.6%
By 2040
91,291 · +1.2%
By 2050
91,168 · +1.1%
By 2075
88,961 · -1.3%
By 2100
80,590 · -10.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
White 48% Hispanic / Latino 33% Two or more races 21% Black 12% Asian 2%
Hispanic origin (detail)
Mexican 28%
Common ancestry
Lithuanian 2% Slovak 2% Italian 1%
Foreign-born
14% · Canada
Languages at home
72% English-only · Spanish 25% Chinese 1% Vietnamese 0%

Political lean MEDSL · Angelina

2024 margin
Solid R (+52.0) · D 23.7% · R 75.7%
2008→2024 swing
-17.0pp toward R · 2008: -35.0pp · 2024: -52.0pp
All cycles
2024: R+52.0 2020: R+46.1 2016: R+47.3 2012: R+43.9 2008: R+35.0

Not yet ingested

Civics

Market trends

HPI YoY
▼ -47.13%
Current HPI
232.6282
Rent YoY
Metro
Lufkin, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

3 events — show timeline
  • 2026-04-23 Pending Deep East Texas MLS
  • 2026-04-14 Listed $139,900 Deep East Texas MLS
  • 1988-01-21 Sold (Public Records) Public Records

Property tax history

+6.1%/yr

Latest (2025): $1,830 · +10.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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