918 Fannin Loop · Temple, TX 76501

$139,900

3 bd · 1.0 ba · 904 sqft · SingleFamily public records · 181 Days on market

Built 1940 0.40 ac lot $155/sqft · at area comps Est $142k · at est. ↓ 10% since listing

---

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 +14.0/30.0
• ARV discount +8.3/15.0
• 1% rule +4.6/10.0
• DSCR +4.2/10.0
• Livability +3.8/5.0
• Rent growth +3.4/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

Key facts

• Spacious yard
• New walk-in shower
• Updated kitchen

Tags

• UPDATED KITCHEN
• NEW WALK-IN SHOWER
• SPACIOUS YARD
• CONVENIENTLY LOCATED

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 $17 ($204/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 $134k (4.1% below list).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.4%/yr); 337 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,222 units permitted in Bell County in 2024 (246 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.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 181 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 181 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Crime grade is D 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.96% ✗
• Cap rate: 6.44%
• Cash-on-cash: 0.52%
• DSCR: 1.02
• GRM: 8.7

CMA / ARV

• ARV (median comp): $142,500
• List price: $139,900
• Delta: -1.82%
• Verdict: FAIR
• Comps: 13 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
935 Fannin Loop	0.09mi	2/1.0 (-1)	915 (+1%)	1mo	$142,500	$156	88
944 Fannin Loop	0.14mi	3/1.0	917 (+1%)	6mo	$152,000	$166	86
942 Fannin Loop	0.14mi	3/1.0	932 (+3%)	7mo	$161,000	$173	83
2117 Monticello Rd	0.22mi	2/1.0 (-1)	900 (-0%)	5mo	$113,000	$126	80
937 Fannin Loop	0.11mi	3/1.0	958 (+6%)	6mo	$165,000	$172	80
958 Fannin Loop	0.18mi	3/1.0	973 (+8%)	3mo	$147,000	$151	77
934 Erath Dr	0.08mi	2/1.0 (-1)	800 (-12%)	7mo	$80,000	$100	66
1906 Monticello Rd	0.33mi	2/1.0 (-1)	1,008 (+12%)	7mo	$115,000	$114	55

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 · 3.44% rent growth · sell at horizon

5-year hold

• IRR: -14.9%
• Equity multiple: 0.47×
• Total profit: $-20,924
• Equity at exit: $20,860

10-year hold

• IRR: -5.4%
• Equity multiple: 0.64×
• Total profit: $-14,086
• 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.

Methodology + full state rankings →

ZIP-level market 76501

• Rents YoY: 3.4%
• Active inventory: 337
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,341 high
• Mortgage (P&I): −$734
• Tax from tax record: −$251 /mo · $3,006/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$282
• Net cashflow: $17

Break-even live

Break-even rent $1,320

Max offer price $139,900

Occupancy floor 94%

Sensitivity live

Price	-10% $96	-5% $57	+0% $17	+5% $-23	+10% $-62
Rent	-10% $-89	-5% $-36	+0% $17	+5% $70	+10% $123
Rate	-1.0pp $87	-0.5pp $53	base $17	+0.5pp $-19	+1.0pp $-56

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: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
507 E Zenith Ave Unit A Temple, TX	3.0	2.0	1100	$1,050	$0.95	15d	1	1.02mi
214 E Munroe Ave Temple, TX	3.0	2.0	1084	$1,200	$1.11	45d	1	1.07mi
607 E Union Temple, TX	3.0	2.0	1099	$1,325	$1.21	15d	1	1.07mi
1303 N 10th St Temple, TX	3.0	1.5	1119	$1,200	$1.07	45d	1	1.22mi
2414 Bunker Hill Dr Unit B Temple, TX	2.0	1.5	1054	$1,195	$1.13	45d	1	1.36mi
2405A Patrick Henry St Temple, TX	2.0	2.0	1071	$1,101	$1.03	25d	1	1.43mi
205 N 21st St Temple, TX	3.0	1.0	950	$998	$1.05	45d	1	1.45mi
619 N 8th St Unit a Temple, TX	3.0	2.0	872	$999	$1.15	15d	1	1.49mi

Listing history 7 events

1. 2026-05-06
   status Pending 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

2. 2026-04-24
   price $139,900 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

3. 2026-04-06
   price $142,500 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

4. 2026-03-22
   price $144,900 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

5. 2026-01-08
   price $149,000 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

6. 2025-11-06
   listed $155,000 Active 1004-char remark

   Show marketing remark (1004 chars)

   Welcome to 918 Fannin Loop in Temple, Texas — a beautifully updated 3-bedroom, 1-bathroom home on over 0.4 acres, offering the perfect mix of comfort, charm, and modern upgrades. Step inside to find a bright and open living space with fresh interior and exterior paint, new windows, and new flooring throughout. The kitchen has been fully updated with new cabinets, countertops, and light fixtures, creating a clean and inviting atmosphere for everyday living. The bathroom features a new walk-in shower and modern vanity, giving it a fresh, contemporary feel. Outside, enjoy a spacious yard ideal for entertaining, gardening, or future expansion — there’s plenty of room to make it your own. This home is conveniently located near College, Scott & White Medical Center, the VA Hospital, and Downtown Temple, with quick access to I-35 and Loop 363 for easy commuting. Move-in ready, thoughtfully updated, and perfectly located — 918 Fannin Loop is ready to welcome you home.

7. 1974-04-22
   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: $3,006 · $251/mo
• Projected year-2 tax: $3,006 · $251/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $16,093
• − Mortgage interest: −$7,837
• − Property taxes: −$3,006
• − Insurance: −$700
• − Repairs & maintenance: −$1,287
• − Management: −$1,287
• − Depreciation: −$4,070
• Taxable loss: −$2,094
• Est. tax savings @ 24.0%: +$503
• After-tax cash flow: $707/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 17,752
• Household income: $62,532
• Rent vs Own: 36.1% rent · 63.9% own
• Severe rent burden: 466.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 42% Hispanic / Latino 36% Two or more races 18% Black 17% Native American 2%
• Hispanic origin (detail): Mexican 31% Puerto Rican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 79% English-only · Spanish 20%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -113.09%
• Current HPI: 177.0555
• Rent YoY: ▲ 3.44%
• Metro: Killeen-Temple, TX
• 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

-9.7% since first listed

7 events — show timeline

• 2026-05-06 Pending — CTXMLS
• 2026-04-24 Price Changed $139,900 CTXMLS
• 2026-04-06 Price Changed $142,500 CTXMLS
• 2026-03-22 Price Changed $144,900 CTXMLS
• 2026-01-08 Price Changed $149,000 CTXMLS
• 2025-11-06 Listed $155,000 CTXMLS
• 1974-04-22 Sold (Public Records) — Public Records

Property tax history

+8.2%/yr

Latest (2025): $3,006 · +21.9% YoY. Source: county tax records.