Pima Plan · Huffman, TX 77336

$176,990

3 bd · 2.5 ba · 1,360 sqft · SingleFamily · 320 Days on market

Good condition

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +7.3/30.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Appreciation +0.7/10.0

Listing remarks MLS

The first floor of this two-story home is host to a spacious open floorplan that seamlessly connects an inviting family room, elegant dining room and chef-inspired kitchen. Upstairs, there are three bedrooms, including the luxe owner's suite, which features a restful bedroom, en-suite bathroom and generous walk-in closet.

Key facts

• Open floorplan
• Family room
• Dining room

Tags

• OPEN FLOORPLAN
• FAMILY ROOM
• DINING ROOM
• CHEF-INSPIRED KITCHEN
• OWNER'S SUITE
• EN-SUITE BATHROOM

🏗️ New construction. The $176,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $259,647.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $177k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-347 ($-4k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $177k).
• Recommended offer: $156k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• Huffman ISD (rural): math 32% / reading 35% proficiency, ranked #500 of 826 in TX (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Huffman Middle (math 36% / reading 32%, grade F, #892 of 1,662 statewide, top 55%, 907 students, 42% FRL); Hargrave H S (math 31% / reading 46%, grade F, #866 of 1,632 statewide, top 54%, 1,125 students, 36% FRL) — zoned schools at 39% FRL track the district average.
• Market conditions: 951 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 29,883 units permitted in Harris County in 2024 (8,621 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 $8k of value loss. Plan a longer hold.
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 320 days — a 12% lower offer ($156k) is reasonable based on typical stale-listing flexibility.

Recommended offer $155,751 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 320 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.71% ✗
• Cap rate: 4.69%
• Cash-on-cash: -5.73%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

• ARV (median comp): $259,647
• List price: $176,990
• Delta: -31.83%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
31314 Miggiano Ln	0.38mi	3/2.5	1,360 (0%)	1mo	$152,991	$112	81
729 Pennabilli Ln	0.23mi	3/2.0	1,302 (-4%)	0mo	$178,990	$137	80
31505 Olivella Dr	0.20mi	3/2.0	1,302 (-4%)	3mo	$199,990	$154	79
705 Pennabilli Ln	0.30mi	3/2.0	1,302 (-4%)	2mo	$184,990	$142	76
31206 Piccolo Fiore Ln	0.32mi	3/2.0	1,311 (-4%)	2mo	$176,990	$135	75
926 Capracotta Dr	0.21mi	3/2.0	1,461 (+7%)	3mo	$167,991	$115	74
930 Capracotta Dr	0.23mi	3/2.0	1,461 (+7%)	3mo	$187,990	$129	72
31221 Piccolo Fiore Ln	0.31mi	3/2.0	1,451 (+7%)	1mo	$186,990	$129	72
31214 Piccolo Fiore Ln	0.30mi	3/2.0	1,451 (+7%)	1mo	$182,990	$126	72
31207 Piccolo Fiore Ln	0.35mi	3/2.0	1,451 (+7%)	3mo	$180,990	$125	68
31522 Olivella Dr	0.21mi	3/2.0	1,522 (+12%)	0mo	$185,990	$122	68
31506 Pianella Ln	0.28mi	3/2.0	1,522 (+12%)	3mo	$167,991	$110	62

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: -26.1%
• Equity multiple: 0.12×
• Total profit: $-64,152
• Equity at exit: $38,714

10-year hold

• IRR: -22.9%
• Equity multiple: -0.16×
• Total profit: $-84,215
• Equity at exit: $22,449

Cash invested: $72,701 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 65 active · 70 under contract
• Months of supply: 8.7 mo (12%/mo absorbed)
• Median asking: $181,990 ($127/sqft)
• Median days on market: 40 d
• This list price: 42% of active listings are priced below it
• ARV vs active asking: +50.6% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 77336

• Home prices YoY: -1.8%
• Active inventory: 951
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,832 high
• Mortgage (P&I): −$1,362
• Tax est. 1.5%: −$325 /mo · $3,895/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $-347

Break-even live

Break-even rent $2,271

Max offer price $209,424

Occupancy floor —

Sensitivity live

Price	-10% $-168	-5% $-257	+0% $-347	+5% $-437	+10% $-527
Rent	-10% $-492	-5% $-419	+0% $-347	+5% $-275	+10% $-202
Rate	-1.0pp $-216	-0.5pp $-281	base $-347	+0.5pp $-414	+1.0pp $-483

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: $64,912
• Closing costs: $7,789
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
917 Capracotta Dr Huffman, TX	4.0	2.0	1656	$1,800	$1.09	53d	1	0.20mi
31416 Pratola Serra Cir Huffman, TX	3.0	2.0	1461	$1,599	$1.09	114d	1	0.28mi
935 Pertuso Ln Huffman, TX	3.0	2.0	1189	$1,550	$1.30	10d	1	0.29mi
934 Pertuso Ln Huffman, TX	3.0	2.0	1360	$1,599	$1.18	33d	1	0.30mi
31208 Piccolo Fiore Ln Huffman, TX	3.0	2.0	1461	$1,695	$1.16	56d	1	0.30mi
953 Pertuso Ln Huffman, TX	2.0	2.0	1013	$1,750	$1.73	10d	1	0.32mi
950 Pertuso Ln Huffman, TX	2.0	2.0	1013	$1,750	$1.73	10d	1	0.33mi
31328 Miggiano Ln Huffman, TX	2.0	2.0	1013	$1,750	$1.73	10d	1	0.35mi
31324 Miggiano Ln Huffman, TX	3.0	2.0	1189	$1,850	$1.56	10d	1	0.36mi
31322 Miggiano Ln Huffman, TX	2.0	2.0	1013	$1,750	$1.73	10d	1	0.36mi
31318 Miggiano Ln Huffman, TX	3.0	2.0	1189	$1,850	$1.56	10d	1	0.37mi
31316 Miggiano Ln Huffman, TX	2.0	2.0	1013	$1,750	$1.73	10d	1	0.37mi
1031 Exotic Pine St Huffman, TX	3.0	2.0	1000	$1,800	$1.80	83d	1	1.06mi
28174 Farm to Market 1485 New Caney, TX	3.0	2.0	1600	$1,600	$1.00	6d	1	1.47mi

Listing history 50 events

1. 2026-11-08
   days on market $176,990 Active 320 DOM
2. 2026-11-07
   days on market $176,990 Active 319 DOM
3. 2026-11-06
   days on market $176,990 Active 318 DOM
4. 2026-11-05
   days on market $176,990 Active 317 DOM
5. 2026-11-04
   days on market $176,990 Active 316 DOM
6. 2026-11-02
   days on market $176,990 Active 314 DOM
7. 2026-11-01
   days on market $176,990 Active 313 DOM
8. 2026-10-31
   days on market $176,990 Active 312 DOM
9. 2026-10-30
   days on market $176,990 Active 311 DOM
10. 2026-10-29
    days on market $176,990 Active 310 DOM
11. 2026-10-28
    days on market $176,990 Active 309 DOM
12. 2026-10-27
    days on market $176,990 Active 308 DOM
13. 2026-10-26
    days on market $176,990 Active 307 DOM
14. 2026-10-26
    days on market $176,990 Active 306 DOM
15. 2026-10-24
    days on market $176,990 Active 305 DOM
16. 2026-10-23
    days on market $176,990 Active 304 DOM
17. 2026-10-22
    days on market $176,990 Active 303 DOM
18. 2026-10-21
    days on market $176,990 Active 302 DOM
19. 2026-10-20
    days on market $176,990 Active 301 DOM
20. 2026-10-19
    days on market $176,990 Active 300 DOM
21. 2026-10-18
    days on market $176,990 Active 299 DOM
22. 2026-10-17
    days on market $176,990 Active 298 DOM
23. 2026-10-16
    days on market $176,990 Active 297 DOM
24. 2026-10-15
    days on market $176,990 Active 296 DOM
25. 2026-10-14
    days on market $176,990 Active 295 DOM
26. 2026-10-13
    days on market $176,990 Active 294 DOM
27. 2026-10-12
    days on market $176,990 Active 293 DOM
28. 2026-10-11
    days on market $176,990 Active 292 DOM
29. 2026-10-10
    days on market $176,990 Active 291 DOM
30. 2026-10-09
    days on market $176,990 Active 290 DOM
31. 2026-10-08
    days on market $176,990 Active 289 DOM
32. 2026-10-07
    days on market $176,990 Active 288 DOM
33. 2026-10-06
    days on market $176,990 Active 287 DOM
34. 2026-10-05
    days on market $176,990 Active 286 DOM
35. 2026-10-04
    days on market $176,990 Active 285 DOM
36. 2026-10-03
    days on market $176,990 Active 284 DOM
37. 2026-10-02
    days on market $176,990 Active 283 DOM
38. 2026-10-01
    days on market $176,990 Active 282 DOM
39. 2026-09-30
    days on market $176,990 Active 281 DOM
40. 2026-09-29
    days on market $176,990 Active 280 DOM
41. 2026-09-28
    days on market $176,990 Active 279 DOM
42. 2026-09-27
    days on market $176,990 Active 278 DOM
43. 2026-09-26
    days on market $176,990 Active 277 DOM
44. 2026-09-25
    days on market $176,990 Active 276 DOM
45. 2026-09-24
    days on market $176,990 Active 275 DOM
46. 2026-09-23
    days on market $176,990 Active 274 DOM
47. 2026-09-22
    days on market $176,990 Active 273 DOM
48. 2026-09-21
    days on market $176,990 Active 272 DOM
49. 2026-09-20
    days on market $176,990 Active 271 DOM
50. 2026-09-19
    pricedays on market $176,990 Active 270 DOM

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

Taxation est. · year 1

• Rental income: $21,984
• − Mortgage interest: −$14,544
• − Property taxes: −$3,895
• − Insurance: −$1,298
• − Repairs & maintenance: −$1,759
• − Management: −$1,759
• − Depreciation: −$7,553
• Taxable loss: −$8,824
• Est. tax savings @ 24.0%: +$2,118
• After-tax cash flow: $-2,047/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.

Condition & rehab AI · 1 photo

Good 80/100 Cosmetic rehab Est. rehab $6,800–$20,400 screening

This two-story home is in excellent condition with a good condition score of 80. It is move-in ready with minor cosmetic updates that could further enhance its resale and rental value.

Value-add opportunities

• Both Painting exterior and interior — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both New flooring in bathrooms — Improves functionality and aesthetics ↑
• Both New kitchen appliances — Enhances functionality and aesthetics ↑
• Both New lighting fixtures — Improves functionality and aesthetics ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 36/100

Zoned Schools

Middle Huffman Middle F TX #892/1,662 Nat'l #7,813/14,009 High Hargrave H S F TX #866/1,632 Nat'l #8,796/17,239

Schools (NCES district)

• District: Huffman ISD
• NCES district ID: 4823820
• Math proficiency: 32% ▼ -9.00%
• Reading proficiency: 35% ▼ -9.00%
• Median HH income: $65,848
• Composite: 30.61/100
• National rank: #6195
• State rank: #500 of 826 in TX

Livability — Huffman

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Harris County · 5,571,493 people
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 14,342
• Household income: $96,404
• Rent vs Own: 21.8% rent · 78.2% own
• Severe rent burden: 22% of renters

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Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 23% Two or more races 9% Black 5% Native American 4%
• Hispanic origin (detail): Mexican 20%
• Languages at home: 79% English-only · Spanish 18% Other Indo-European 2%

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Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -8.59%
• Current HPI: 472.03
• Rent YoY: —
• Metro: Houston-The Woodlands-Sugar Land, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

• 2025-12-23 Listed $219,990 Zillow