214 Southwest Dr · Clyde, TX 79510

$180,000

3 bd · 2.0 ba · 1,250 sqft · SingleFamily public records · 11 Days on market

Built 1983 1.41 ac lot Est $152k · 18% over

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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 +23.0/30.0
• DSCR +7.4/10.0
• 1% rule +6.0/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Key facts

• 1.41 acre lot
• Parking
• Built 1983

Property features AI

Finance

• Other: Property listed as residential single-family; Not part of a municipal utility district; Seller indicates property is a fixer upper (directions: FIXER UPPER)
• HOA & community: No association

Exterior

• Parking: Attached carport; 2 covered spaces; 2 carport spaces
• Utilities: City water (individual water meter); City sewer; Electricity available; Natural gas available (individual gas meter); Cable available
• Home design: Single-family residence; One-story
• Construction: Frame construction; Built in 1983
• Exterior features: Accessible approach with ramp; Asphalt on property (road/driveway); Lot of about 1.41 acres

Interior

• Kitchen: Gas cooktop; Gas oven
• Bedrooms: 3 bedrooms (primary bedroom on main level)
• Bathrooms: 2 full bathrooms
• Interior features: Cable TV available; Double vanity; One living area; One dining area; Room count: 2
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $318 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Cap rate 8.4% vs local median 3.2% in Clyde — 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 68/100 on livability (#498 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, health & safety D+, amenities F.
• Clyde CISD (town): math 42% / reading 42% proficiency, ranked #341 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Clyde El (366 students, 58% FRL).
• Market conditions: 132 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 11 units permitted in Callahan County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Callahan County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $180,000

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: 1.10% ✓
• Cap rate: 8.42%
• Cash-on-cash: 7.58%
• DSCR: 1.34
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $152,500
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
418 Pecan St	0.51mi	3/1.5	1,224 (-2%)	0mo	$99,900	$82	71
811 S 1st St W	0.13mi	3/2.0	1,092 (-13%)	15mo	$127,500	$117	61
204 Bowie St	0.48mi	3/1.5	1,308 (+5%)	9mo	$80,000	$61	60
518 Reeves St	0.40mi	3/1.5	1,296 (+4%)	22mo	$169,900	$131	55
504 Oak St	0.67mi	2/1.0 (-1)	1,284 (+3%)	0mo	$129,000	$100	55
201 Pine St	0.67mi	3/2.0	1,280 (+2%)	15mo	$199,000	$155	52
703 Pecan Meadow Dr	0.53mi	3/2.0	1,368 (+9%)	9mo	$95,000	$69	52
402 Private Road 6210	0.57mi	3/2.0	1,357 (+9%)	10mo	$275,000	$203	51
101 Yucca Dr	0.62mi	3/2.0	1,338 (+7%)	11mo	$126,000	$94	50
1710 Alamo Ct	0.75mi	3/2.0	1,396 (+12%)	3mo	$260,000	$186	43
421 Oak St	0.67mi	2/1.0 (-1)	1,430 (+14%)	18mo	$174,900	$122	21
1810 Tonkawa Cir	0.75mi	2/1.0 (-1)	1,075 (-14%)	15mo	$150,000	$140	20

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: -4.7%
• Equity multiple: 0.82×
• Total profit: $-8,857
• Equity at exit: $26,839

10-year hold

• IRR: 5.0%
• Equity multiple: 1.37×
• Total profit: $18,526
• Equity at exit: $15,563

Cash invested: $50,400 (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 79510

• Home prices YoY: -21.6%
• Active inventory: 132
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,980 medium
• Mortgage (P&I): −$944
• Tax from tax record: −$227 /mo · $2,722/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $318

Break-even live

Break-even rent $1,577

Max offer price $180,000

Occupancy floor 79%

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
613 Marlin St Clyde, TX	4.0	1.0	1218	$1,980	$1.63	21d	1	0.65mi

Listing history 9 events

1. 2026-06-19
   days on market $180,000 Active 11 DOM
2. 2026-06-18
   days on market $180,000 Active 10 DOM
3. 2026-06-17
   days on market $180,000 Active 9 DOM
4. 2026-06-16
   days on market $180,000 Active 8 DOM
5. 2026-06-15
   days on market $180,000 Active 7 DOM
6. 2026-06-14
   days on market $180,000 Active 5 DOM
7. 2026-06-13
   days on market $180,000 Active 4 DOM
8. 2026-06-10
   days on market $180,000 Active 2 DOM
9. 2026-06-09
   listed $180,000 Active 1 DOM

ⓘ 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: $2,722 · $227/mo
• Projected year-2 tax: $3,294 · $274/mo
• Expected delta: +$572/yr (+$48/mo · 21.0%)

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

Taxation est. · year 1

• Rental income: $23,760
• − Mortgage interest: −$10,083
• − Property taxes: −$2,722
• − Insurance: −$900
• − Repairs & maintenance: −$1,901
• − Management: −$1,901
• − Depreciation: −$5,236
• Taxable income: $1,017
• Est. tax owed @ 24.0%: −$244
• After-tax cash flow: $3,577/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: Clyde CISD
• NCES district ID: 4814450
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 42% ▼ -2.00%
• Median HH income: $46,614
• Composite: 35.84/100
• National rank: #4824
• State rank: #341 of 826 in TX

Livability — Clyde

• Score: 68/100
• State rank: #498
• US rank: #9935

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clyde, TX
• Population (ZIP): 8,135

Population outlook (Callahan County) Hauer SSP2

• Today (2025): 13,664 people
• By 2030: 13,578 · -0.6%
• By 2040: 13,283 · -2.8%
• By 2050: 13,008 · -4.8%
• By 2075: 12,354 · -9.6%
• By 2100: 11,326 · -17.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 13% Two or more races 12% Black 2%
• Hispanic origin (detail): Mexican 13%
• Common ancestry: Italian 8% Slovak 3% Serbian 3%
• Foreign-born: 1% · China
• Languages at home: 93% English-only · Spanish 5% German/W. Germanic 2%

Political lean MEDSL · Callahan

• 2024 margin: Solid R (+77.6) · D 10.9% · R 88.5%
• 2008→2024 swing: -15.9pp toward R · 2008: -61.7pp · 2024: -77.6pp
• All cycles: 2024: R+77.6 2020: R+77.3 2016: R+77.2 2012: R+69.8 2008: R+61.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.42%
• Current HPI: 186.6326
• 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

2 events — show timeline

• 2026-06-08 Listed $180,000 NTREIS
• 2001-01-09 Sold (Public Records) — Public Records

Property tax history

+4.1%/yr

Latest (2025): $2,722 · +9.4% YoY. Source: county tax records.