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Plan 1417 Modeled Plan 🏗️ New Construction
F Composite 33.81
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 +4.8/5.0
  • Schools +4.5/10.0
  • Livability +4.2/5.0
  • 1% rule +2.1/10.0
  • Rent growth +2.0/5.0
  • DSCR +1.5/10.0
  • Appreciation +0.0/10.0

$228,995

Plan 1417 Modeled Plan · New Braunfels, TX 78130
3 bd · 2.0 ba · 1,417 sqft · SingleFamily · 329 Days on market
Excellent condition ↓ 5% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

* Walk-in closet at primary bedroom and bedroom 2 * Abundant kitchen counter space * Colonial baseboards * Stainless steel kitchen appliances * 42-in.

Key facts

  • Open floor plan
  • Walk-in closet
  • Front porch

Tags

WALK-IN CLOSETABUNDANT KITCHEN COUNTER SPACEGARDEN TUB SHOWER COMBINATIONSMART THERMOSTATFRONT PORCHOPEN FLOOR PLAN

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $228,995 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $257,066.

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $229k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-340 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $208k (9.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (20.6% below list).
  • Recommended offer: $182k (20.6% below list) — sets the bar for 1% rule.
  • Cap rate 4.7% vs local median 3.3% in New Braunfels — 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 83/100 on livability (#9 in TX, #925 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, housing A+, health & safety A+; Watch: commute F.
  • New Braunfels ISD (urban): math 47% / reading 53% proficiency, ranked #157 of 826 in TX (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Klein Road El (math 43% / reading 50%, grade D-, #1,080 of 4,322 statewide, top 25%, 697 students, 46% FRL); New Braunfels Middle (math 44% / reading 46%, grade D, #479 of 1,662 statewide, top 29%, 1,301 students, 44% FRL); New Braunfels H S (math 53% / reading 10%, grade F, #1,073 of 1,632 statewide, top 66%, 1,926 students, 32% FRL) — zoned schools at 41% FRL track the district average.
  • Market conditions: Rents soft (-2.0%/yr); 2331 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 54d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,064 units permitted in Guadalupe County in 2024 (133 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.
  • Guadalupe County population projected at +61% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 329 days — a 12% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
Recommended offer $181,891 (20.6% 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 329 days. Have you received any prior offers? Is the seller open to a 21% 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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  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
0.71%
Cap rate
4.71%
Cash-on-cash
-5.66%
DSCR
0.75
GRM
11.8

CMA / ARV

ARV (median comp)
$257,066
List price
$228,995
Delta
-10.92%
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
4273 Harper Lee Ln 0.22mi 3/2.0 1,417 (0%) 1mo $239,689 $169 89
4220 Carlotta Dr 0.22mi 3/2.0 1,495 (+6%) 1mo $289,990 $194 80
4343 Hobbiton Way 0.40mi 3/2.0 1,388 (-2%) 0mo $259,990 $187 78
4338 Hobbiton Way 0.43mi 3/2.0 1,388 (-2%) 2mo $267,990 $193 75
4350 Hobbiton Way 0.44mi 3/2.0 1,388 (-2%) 1mo $264,990 $191 75
4251 Winston Way 0.22mi 3/2.0 1,556 (+10%) 2mo $278,990 $179 72
4292 Carlotta Dr 0.23mi 3/2.0 1,556 (+10%) 3mo $279,990 $180 71
1889 Stonechat 0.63mi 3/2.0 1,474 (+4%) 2mo $209,999 $142 62
1822 Nuthatch Rdg 0.66mi 3/2.0 1,474 (+4%) 1mo $211,999 $144 62
1806 Nuthatch Rdg 0.68mi 3/2.0 1,474 (+4%) 2mo $209,999 $142 60
4329 Hobbiton Way 0.38mi 4/2.0 (+1) 1,585 (+12%) 0mo $294,990 $186 57
1881 Stonechat 0.63mi 3/2.0 1,260 (-11%) 2mo $208,999 $166 50

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-29.4%
Equity multiple
0.05×
Total profit
$-68,587
Equity at exit
$38,329
10-year hold
IRR
-48.2%
Equity multiple
-0.50×
Total profit
$-108,063
Equity at exit
$22,226

Cash invested: $71,978 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
56 active · 39 under contract
Months of supply
4.1 mo (24%/mo absorbed)
Median asking
$269,950 ($174/sqft)
Median days on market
125 d
This list price
12% of active listings are priced below it
ARV vs active asking
+4.4% vs current asking $/sqft

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

ZIP-level market 78130

Rents YoY
-2.0%
Active inventory
2331
Price-to-rent
10.5×

Monthly cashflow live

Estimated rent
$1,819 high interval (Pro) →
Mortgage (P&I)
$1,348
Tax est. 1.5%
$321 /mo · $3,856/yr
Insurance
$107
HOA
$0
Vacancy / Maint / Mgmt
$382
Net cashflow
$-340

Break-even live

Break-even rent $2,249
Max offer price $207,927
Occupancy floor

Sensitivity live

Price -10% $-162 -5% $-251 +0% $-340 +5% $-428 +10% $-517
Rent -10% $-483 -5% $-411 +0% $-340 +5% $-268 +10% $-196
Rate -1.0pp $-210 -0.5pp $-274 base $-340 +0.5pp $-406 +1.0pp $-474

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
$64,266
Closing costs
$7,712
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1320 Atticus Ave New Braunfels, TX 4.0 2.0 1702 $2,000 $1.18 93d 1 0.21mi
4044 Legend Mdws New Braunfels, TX 3.0 2.0 1606 $1,800 $1.12 47d 1 0.25mi
4262 Winston Way New Braunfels, TX 3.0 2.0 1485 $1,700 $1.14 93d 1 0.28mi
4211 Danforth St New Braunfels, TX 4.0 2.0 1585 $1,800 $1.14 93d 1 0.30mi
1201 Legend Pass New Braunfels, TX 3.0 2.0 1234 $1,650 $1.34 93d 1 0.32mi
4238 Danforth St New Braunfels, TX 3.0 2.5 1681 $1,795 $1.07 93d 1 0.33mi
283 Rolling Hls New Braunfels, TX 4.0 2.0 1459 $1,700 $1.17 93d 1 0.38mi
3931 Gentle Mdw New Braunfels, TX 3.0 2.0 1698 $1,861 $1.10 93d 1 0.40mi
3964 Legend Mdws New Braunfels, TX 3.0 2.0 1680 $1,950 $1.16 28d 1 0.42mi
3943 Legend Mdws New Braunfels, TX 3.0 2.0 1542 $1,695 $1.10 47d 1 0.47mi
3031 Shore Lark New Braunfels, TX 3.0 2.0 1482 $1,675 $1.13 9d 1 0.57mi
1941 Stonechat New Braunfels, TX 3.0 2.0 1217 $1,500 $1.23 60d 1 0.61mi
1881 Stonechat New Braunfels, TX 3.0 2.0 1260 $1,595 $1.27 53d 1 0.62mi
2943 Angelou St New Braunfels, TX 3.0 2.0 1445 $1,750 $1.21 42d 1 0.62mi
108 Bass Ln New Braunfels, TX 3.0 2.5 1770 $1,895 $1.07 42d 1 0.63mi
1837 Stonechat New Braunfels, TX 3.0 2.0 1474 $1,575 $1.07 93d 1 0.65mi
2935 Whinchat New Braunfels, TX 4.0 2.0 1648 $1,700 $1.03 53d 1 0.68mi
1490 W Klein Rd New Braunfels, TX 3.0 2.0 1300 $1,495 $1.15 93d 1 0.71mi
2924 Whinchat New Braunfels, TX 3.0 2.0 1675 $1,925 $1.15 73d 1 0.71mi
2924 Whinchat New Braunfels, TX 3.0 2.0 1675 $1,875 $1.12 13d 1 0.71mi
2915 Whinchat Unit N/A Canyon Lake, TX 3.0 2.0 1474 $2,850 $1.93 51d 1 0.72mi
2906 Green Finch Canyon Lake, TX 3.0 2.0 1474 $1,699 $1.15 9d 1 0.73mi
2907 Whinchat New Braunfels, TX 3.0 2.0 1454 $1,695 $1.17 36d 1 0.74mi
2842 Ridge Berry Rd New Braunfels, TX 3.0 2.0 1586 $2,000 $1.26 21d 1 0.79mi
2864 Rosefinch New Braunfels, TX 4.0 2.0 1667 $1,750 $1.05 93d 1 0.82mi
2867 Rosefinch New Braunfels, TX 3.0 2.0 1474 $1,695 $1.15 21d 1 0.82mi
901 Beebrush Ln New Braunfels, TX 2.0–4.0 1.5–3.5 1529 $1,897 $1.24 9d 111 0.84mi
905 Beebrush Ln New Braunfels, TX 3.0 2.5 1462 $1,795 $1.23 93d 1 0.85mi
2855 Rosefinch New Braunfels, TX 3.0 2.0 1417 $1,695 $1.20 21d 1 0.85mi
907 Beebrush Ln New Braunfels, TX 4.0 3.0 1785 $1,775 $0.99 73d 1 0.85mi
907 Beebrush Ln New Braunfels, TX 4.0 3.0 1785 $1,775 $0.99 47d 1 0.85mi
3609 Knob Hl New Braunfels, TX 3.0 2.0 1402 $1,590 $1.13 9d 1 0.85mi
2824 Rosefinch New Braunfels, TX 4.0 2.5 1874 $2,050 $1.09 9d 1 0.91mi
2815 Rosefinch New Braunfels, TX 4.0 2.0 1648 $1,725 $1.05 53d 1 0.93mi
1211 Foxglove St New Braunfels, TX 2.0 1.0 1329 $1,525 $1.15 73d 1 0.94mi
1211 Foxglove St New Braunfels, TX 2.0 1.0 1329 $1,525 $1.15 47d 1 0.94mi
957 Beebrush Ln New Braunfels, TX 3.0 2.0 1462 $1,685 $1.15 47d 1 0.94mi
957 Beebrush Ln New Braunfels, TX 3.0 2.0 1462 $1,685 $1.15 73d 1 0.94mi
2808 Rosefinch New Braunfels, TX 3.0 2.0 1216 $1,650 $1.36 64d 1 0.94mi
3514 Hilts Trl New Braunfels, TX 3.0 2.0 1402 $1,595 $1.14 31d 1 0.96mi

Listing history 50 events

  1. 2026-08-08
    days on market $228,995 Active 329 DOM
  2. 2026-08-06
    days on market $228,995 Active 327 DOM
  3. 2026-08-05
    days on market $228,995 Active 326 DOM
  4. 2026-08-04
    days on market $228,995 Active 325 DOM
  5. 2026-08-03
    pricedays on market $228,995 Active 324 DOM
  6. 2026-07-31
    days on market $226,995 Active 321 DOM
  7. 2026-07-30
    days on market $226,995 Active 320 DOM
  8. 2026-07-30
    days on market $226,995 Active 319 DOM
  9. 2026-07-28
    days on market $226,995 Active 318 DOM
  10. 2026-07-26
    days on market $226,995 Active 316 DOM
  11. 2026-07-24
    days on market $226,995 Active 314 DOM
  12. 2026-07-23
    days on market $226,995 Active 313 DOM
  13. 2026-07-22
    days on market $226,995 Active 312 DOM
  14. 2026-07-21
    days on market $226,995 Active 311 DOM
  15. 2026-07-20
    days on market $226,995 Active 310 DOM
  16. 2026-07-18
    days on market $226,995 Active 308 DOM
  17. 2026-07-18
    days on market $226,995 Active 307 DOM
  18. 2026-07-16
    days on market $226,995 Active 306 DOM
  19. 2026-07-15
    days on market $226,995 Active 305 DOM
  20. 2026-07-14
    days on market $226,995 Active 304 DOM
  21. 2026-07-13
    days on market $226,995 Active 303 DOM
  22. 2026-07-13
    days on market $226,995 Active 302 DOM
  23. 2026-07-11
    days on market $226,995 Active 301 DOM
  24. 2026-07-10
    days on market $226,995 Active 300 DOM
  25. 2026-07-10
    days on market $226,995 Active 299 DOM
  26. 2026-07-07
    days on market $226,995 Active 297 DOM
  27. 2026-07-06
    days on market $226,995 Active 296 DOM
  28. 2026-07-05
    days on market $226,995 Active 295 DOM
  29. 2026-07-03
    days on market $226,995 Active 293 DOM
  30. 2026-07-02
    days on market $226,995 Active 292 DOM
  31. 2026-07-01
    days on market $226,995 Active 291 DOM
  32. 2026-06-30
    days on market $226,995 Active 290 DOM
  33. 2026-06-29
    days on market $226,995 Active 289 DOM
  34. 2026-06-28
    days on market $226,995 Active 288 DOM
  35. 2026-06-27
    days on market $226,995 Active 287 DOM
  36. 2026-06-26
    days on market $226,995 Active 286 DOM
  37. 2026-06-24
    days on market $226,995 Active 284 DOM
  38. 2026-06-22
    days on market $226,995 Active 282 DOM
  39. 2026-06-21
    days on market $226,995 Active 281 DOM
  40. 2026-06-18
    days on market $226,995 Active 278 DOM
  41. 2026-06-17
    days on market $226,995 Active 277 DOM
  42. 2026-06-16
    days on market $226,995 Active 276 DOM
  43. 2026-06-15
    days on market $226,995 Active 275 DOM
  44. 2026-06-13
    days on market $226,995 Active 273 DOM
  45. 2026-06-09
    days on market $226,995 Active 269 DOM
  46. 2026-06-08
    days on market $226,995 Active 268 DOM
  47. 2026-06-07
    days on market $226,995 Active 267 DOM
  48. 2026-06-04
    days on market $226,995 Active 264 DOM
  49. 2026-06-03
    days on market $226,995 Active 263 DOM
  50. 2026-06-02
    days on market $226,995 Active 262 DOM

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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$21,827
− Mortgage interest
−$14,400
− Property taxes
−$3,856
− Insurance
−$1,285
− Repairs & maintenance
−$1,746
− Management
−$1,746
− Depreciation
−$7,478
Taxable loss
−$8,685
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,084
After-tax cash flow
$-1,991/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 · 13 photos

Excellent 95/100 None rehab

This home is in excellent condition with modern amenities and a well-maintained exterior. It offers a good return on investment with updates that would enhance both resale and rental value.

Value-add opportunities

  • Both landscaping and curb appeal — improves aesthetics and appeal
  • Both smart home integration — enhances convenience and energy efficiency
F Composite school gradezoned avg 45/100

Zoned Schools

Elementary Klein Road El D- TX #1,080/4,322 Nat'l #15,452/41,679 Middle New Braunfels Middle D TX #479/1,662 Nat'l #4,622/14,009 High New Braunfels H S Ninth Grade Center F TX #697/1,632 Nat'l #7,320/17,239

Schools (NCES district)

District
New Braunfels ISD
NCES district ID
4832370
Math proficiency
47% ▼ -10.00%
Reading proficiency
53% ▼ -2.00%
Median HH income
$60,945
Composite
43.81/100
National rank
#2931
State rank
#157 of 826 in TX
A Composite livability gradescore 83/100

Livability — New Braunfels

Score
83/100
State rank
#9
US rank
#925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
New Braunfels, TX
County
Comal County · 196,854 people
City population
42,159
Metro
San Antonio-New Braunfels, TX
Population (ZIP)
104,009
Household income
$83,064
Rent vs Own
34.1% rent · 65.9% own
Severe rent burden
10% of renters

Population outlook (Guadalupe County) Hauer SSP2

Today (2025)
196,854 people
By 2030
220,210 · +11.9%
By 2040
268,004 · +36.1%
By 2050
316,333 · +60.7%
By 2075
434,747 · +120.8%
By 2100
520,447 · +164.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (58%)
Race & ethnicity
White 58% Hispanic / Latino 37% Two or more races 19% Black 2%
Hispanic origin (detail)
Mexican 32%
Common ancestry
Romanian 2% Lithuanian 2% Slovak 2%
Foreign-born
7% · Canada
Languages at home
78% English-only · Spanish 20% German/W. Germanic 1%

Political lean MEDSL · Guadalupe

2024 margin
Strong R (+29.5) · D 34.8% · R 64.3%
2008→2024 swing
+1.5pp toward D · 2008: -31.0pp · 2024: -29.5pp
All cycles
2024: R+29.5 2020: R+24.2 2016: R+31.8 2012: R+35.1 2008: R+31.0

Not yet ingested

Civics

Price history

-4.6% since first listed
12 events — show timeline
  • 2026-05-09 Price Changed $226,995 Zillow
  • 2026-04-10 Price Changed $221,995 Zillow
  • 2026-03-27 Price Changed $231,995 Zillow
  • 2026-03-07 Price Changed $241,995 Zillow
  • 2026-02-27 Price Changed $251,995 Zillow
  • 2026-02-13 Price Changed $244,995 Zillow
  • 2026-01-24 Price Changed $242,995 Zillow
  • 2026-01-19 Price Changed $252,995 Zillow
  • 2025-11-28 Price Changed $242,995 Zillow
  • 2025-11-19 Price Changed $237,995 Zillow
  • 2025-10-14 Price Changed $247,995 Zillow
  • 2025-09-13 Listed $237,995 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…