601 S Taylor St · Linden, TX 75563

$119,900

4 bd · 2.0 ba · 1,920 sqft · Manufactured public records · 4 Days on market

Built 2006 0.53 ac lot

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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 +25.3/30.0
• DSCR +8.3/10.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• 1% rule +6.1/10.0
• Schools +3.3/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Take a look at this turn-key 4 bed 2 bath mobile home on a large half acre lot in the heart of Linden, TX. This home is 1920 square feet and features a large covered back porch perfect for entertaining. Inside you'll find an open floor plan with a large kitchen and very nice kitchen island. Recent updates include new floors throughout and brand new porches on the front and back. If you are looking for a move in ready home in a quiet neighborhood call today and check it out before it's gone!

Key facts

• New floors
• New porches
• Open floor plan

Tags

• LARGE COVERED BACK PORCH
• OPEN FLOOR PLAN
• LARGE KITCHEN
• KITCHEN ISLAND
• NEW FLOORS
• NEW PORCHES

Property features AI

Exterior

• Home design: Single-story manufactured (mobile) home; Residential property in the Gilbert subdivision
• Construction: Manufactured (mobile) construction
• Exterior features: Deck; Composition roof

Interior

• Kitchen: Electric oven, electric range, refrigerator
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Electric oven, electric range, refrigerator

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $120k.

Deal economics

• At list price, monthly cash flow is $273 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).

Location & tenants

• Location reads 59/100 on livability (#1,176 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D, amenities F, commute F.
• Linden-Kildare CISD (rural): math 37% / reading 42% proficiency, ranked #450 of 826 in TX (top 54%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Linden El (math 32% / reading 37%, grade F, #1,995 of 4,322 statewide, top 50%, 340 students, 81% FRL); Linden-Kildare H S (math 54% / reading 44%, grade D, #509 of 1,632 statewide, top 34%, 187 students, 66% FRL).
• Market conditions: 85 active listings in the ZIP; 12 units permitted in Cass County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($829 loan paydown + $3k appreciation (2.8% local appreciation)).
• Cass County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (2.8% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% 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 $119,900

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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. 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?
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: 1.11% ✓
• Cap rate: 9.02%
• Cash-on-cash: 9.74%
• DSCR: 1.43
• GRM: 7.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.77% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 16.0%
• Equity multiple: 1.90×
• Total profit: $30,319
• Equity at exit: $52,344

10-year hold

• IRR: 17.8%
• Equity multiple: 3.55×
• Total profit: $85,450
• Equity at exit: $79,469

Cash invested: $33,572 (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 75563

• Home prices YoY: 2.0%
• Active inventory: 85
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,325 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$96 /mo · $1,149/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $273

Break-even live

Break-even rent $980

Max offer price $119,900

Occupancy floor 74%

Sensitivity live

Price	-10% $340	-5% $307	+0% $273	+5% $239	+10% $205
Rent	-10% $168	-5% $220	+0% $273	+5% $325	+10% $377
Rate	-1.0pp $333	-0.5pp $303	base $273	+0.5pp $242	+1.0pp $210

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-06-21
   days on market $119,900 Active 4 DOM
2. 2026-06-18
   days on market $119,900 Active 2 DOM
3. 2026-06-17
   listing id $119,900 Active 1 DOM
4. 2026-06-16
   remarks 495-char remark
5. 2026-06-16
   listed $119,900 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: $1,149 · $96/mo
• Projected year-2 tax: $2,194 · $183/mo
• Expected delta: +$1,045/yr (+$87/mo · 91.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,905
• − Mortgage interest: −$6,716
• − Property taxes: −$1,149
• − Insurance: −$600
• − Repairs & maintenance: −$1,272
• − Management: −$1,272
• − Depreciation: −$3,488
• Taxable income: $1,408
• Est. tax owed @ 24.0%: −$338
• After-tax cash flow: $2,934/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: Linden-Kildare CISD
• NCES district ID: 4827540
• Math proficiency: 37% ▲ 11.00%
• Reading proficiency: 42% ▲ 3.00%
• Median HH income: $35,293
• Composite: 32.66/100
• National rank: #5659
• State rank: #450 of 826 in TX

Livability — Linden

• Score: 59/100
• State rank: #1176
• US rank: #20579

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linden, TX
• Population (ZIP): 3,967

Population outlook (Cass County) Hauer SSP2

• Today (2025): 29,998 people
• By 2030: 29,583 · -1.4%
• By 2040: 28,512 · -5.0%
• By 2050: 27,230 · -9.2%
• By 2075: 24,917 · -16.9%
• By 2100: 21,582 · -28.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 16% Hispanic / Latino 5% Two or more races 3% Native American 2%
• Common ancestry: Italian 1% Lithuanian 1% Iranian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Cass

• 2024 margin: Solid R (+65.7) · D 17.0% · R 82.7%
• 2008→2024 swing: -25.2pp toward R · 2008: -40.4pp · 2024: -65.7pp
• All cycles: 2024: R+65.7 2020: R+59.1 2016: R+59.7 2012: R+49.5 2008: R+40.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.77%
• Current HPI: 142.6814
• 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

4 events — show timeline

• 2026-06-15 Listed $119,900 GTAR
• 2024-09-12 Sold (Public Records) — Public Records
• 2005-06-21 Sold (Public Records) — Public Records
• 2002-08-14 Sold (Public Records) — Public Records

Property tax history

+22.1%/yr

Latest (2025): $1,149 · +553.8% YoY. Source: county tax records.