325 Coyote Creek Ct · Potosi, TX 79602

$310,990

5 bd · 3.0 ba · 2,600 sqft · SingleFamily · 94 Days on market

Built 2026 Good condition 3,055 sqft lot 2-car garage $120/sqft · 19% below area Est $385k · 19% under

---

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 +16.1/30.0
• ARV discount +15.0/15.0
• Schools +6.6/10.0
• DSCR +5.0/10.0
• Rent growth +5.0/5.0
• 1% rule +4.4/10.0
• Condition / age +4.0/5.0
• Livability +3.5/5.0
• Appreciation +0.0/10.0

Listing remarks

MLS# 21292145 - Built by NHC - Oct 2026 completion! ~ Model 2600 B1 - Jackson The Jackson Plan from our Liberty Series is where style meets functionality, offering a spacious design perfect for growing households. This 2-story home features 5 bedrooms, 3 bathrooms, a 2-car garage, and 2,600 square feet of thoughtfully crafted living space. As you enter, you’ll find a main-level bedroom with a walk-in closet and a full bathroom — ideal for guests. Continue down the hall to the dining area, which sits perfectly between the well-appointed kitchen and the inviting family room, creating an ideal space for gathering and entertaining.

Key facts

• 3,055 sq ft lot
• 2 garage spots
• Built 2026

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $311k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $33 ($394/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 $292k (6.1% below list).
• Recommended offer: $283k (9.0% below list) — sets the bar for market timing.
• Cap rate 6.9% vs local median 5.2% in Potosi — 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 69/100 on livability (#398 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: health & safety D+, amenities F, commute F.
• Wylie ISD (rural): math 63% / reading 62% proficiency, ranked #32 of 826 in TX (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Wylie West Int (math 64% / reading 64%, grade B, #283 of 4,322 statewide, top 7%, 459 students, 24% FRL); Wylie West J H (math 62% / reading 58%, grade B, #158 of 1,662 statewide, top 10%, 972 students, 24% FRL); Wylie H S (math 60% / reading 76%, grade B, #150 of 1,632 statewide, top 10%, 1,467 students, 18% FRL) — zoned schools at 22% FRL track the district average.
• Market conditions: Rents rising fast (+33.5%/yr); 620 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 508 units permitted in Taylor County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($90k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Taylor County population projected at +16% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($283k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe 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 $283,000 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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?
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: 0.94% ✗
• Cap rate: 6.90%
• Cash-on-cash: 2.18%
• DSCR: 1.10
• GRM: 8.9

CMA / ARV

• ARV (median comp): $385,365
• List price: $310,990
• Delta: -19.30%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
241 Coyote Creek Ct	0.01mi	4/2.5 (-1)	2,203 (-15%)	0mo	$294,990	$134	67
3542 Rock Springs Ct	0.05mi	4/2.5 (-1)	2,203 (-15%)	0mo	$296,990	$135	65
602 Cardinal Ln	0.78mi	4/2.5 (-1)	2,397 (-8%)	12mo	$379,999	$159	35
131 Beechcraft Rd	1.11mi	4/2.5 (-1)	2,371 (-9%)	10mo	$486,000	$205	35
133 Buckshot Rd	0.79mi	4/3.0 (-1)	2,327 (-10%)	10mo	$409,900	$176	34
107 Beechcraft Rd	1.07mi	4/2.5 (-1)	2,250 (-14%)	4mo	$490,000	$218	32
436 Nora Miller Rd	1.11mi	4/2.5 (-1)	2,918 (+12%)	14mo	$595,000	$204	26
102 Beechcraft Rd	1.05mi	4/2.5 (-1)	2,218 (-15%)	15mo	$449,900	$203	21
182 Bluebird Ln	0.93mi	4/2.0 (-1)	2,111 (-19%)	13mo	$460,000	$218	20
170 Boeing Ln	1.09mi	4/2.0 (-1)	2,120 (-18%)	21mo	$396,900	$187	13

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.62×
• Total profit: $-32,749
• Equity at exit: $46,370

10-year hold

• IRR: 5.6%
• Equity multiple: 1.52×
• Total profit: $44,912
• Equity at exit: $26,889

Cash invested: $87,077 (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 →

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

Active competition Active MLS

• For sale now: 0 active · 6 under contract
• Months of supply: 0.0 mo

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

ZIP-level market 79602

• Home prices YoY: -19.6%
• Rents YoY: 33.5%
• Active inventory: 620
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $2,920 medium
• Mortgage (P&I): −$1,631
• Tax est. 1.5%: −$389 /mo · $4,665/yr
• Insurance: −$130
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$613
• Net cashflow: $33

Break-even live

Break-even rent $2,879

Max offer price $310,990

Occupancy floor 94%

Sensitivity live

Price	-10% $248	-5% $140	+0% $33	+5% $-75	+10% $-182
Rent	-10% $-198	-5% $-83	+0% $33	+5% $148	+10% $264
Rate	-1.0pp $189	-0.5pp $112	base $33	+0.5pp $-48	+1.0pp $-130

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: $77,748
• Closing costs: $9,330
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
133 Bell St Abilene, TX	4.0	2.0	1925	$3,500	$1.82	77d	1	1.20mi

Property features AI

Finance

• Other: Builder special listing conditionPossession at closing/funding
• Financial info: Treat as clear loan typeNo second mortgage
• HOA & community: No association (no HOA fees)

Exterior

• Parking: Attached 2-car garage2 covered parking spacesGarage faces front
• Utilities: City waterCity sewerNo municipal utility district
• Home design: Single-family residenceTwo-story homeNew construction (incomplete)
• Construction: Brick and siding exteriorComposition roofSlab foundationBuilt in 2026
• Exterior features: Subdivision: Cedar Creek On MapleCity water and city sewer

Interior

• Kitchen: DishwasherElectric rangeMicrowaveEat-in kitchen layout
• Bedrooms: 5 bedrooms total — Two bedrooms and loft on second level; remaining bedrooms on first and second levelsPrimary bedroom on second level (approx. 15 x 16)Multiple bedrooms with sizes around 12 x 13 to 12 x 15
• Flooring: CarpetLaminateLuxury vinyl plank
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central air conditioningElectric heating
• Interior features: Double vanityEat-in kitchenWalk-in closets10 total roomsOne living areaOne dining areaTwo levels
• Laundry & utility: Full-size washer/dryer areaWasher hookupElectric dryer hookup

Listing history 50 events

1. 2026-09-24
   days on market $310,990 Active 94 DOM
2. 2026-09-24
   days on market $310,990 Active 93 DOM
3. 2026-09-22
   days on market $310,990 Active 92 DOM
4. 2026-09-20
   days on market $310,990 Active 90 DOM
5. 2026-09-19
   days on market $310,990 Active 89 DOM
6. 2026-09-18
   days on market $310,990 Active 88 DOM
7. 2026-09-17
   days on market $310,990 Active 87 DOM
8. 2026-09-16
   days on market $310,990 Active 86 DOM
9. 2026-09-15
   days on market $310,990 Active 85 DOM
10. 2026-09-14
    days on market $310,990 Active 84 DOM
11. 2026-09-13
    days on market $310,990 Active 83 DOM
12. 2026-09-12
    days on market $310,990 Active 82 DOM
13. 2026-09-11
    days on market $310,990 Active 81 DOM
14. 2026-09-05
    days on market $310,990 Active 75 DOM
15. 2026-09-04
    days on market $310,990 Active 74 DOM
16. 2026-09-03
    days on market $310,990 Active 73 DOM
17. 2026-08-30
    days on market $310,990 Active 69 DOM
18. 2026-08-29
    days on market $310,990 Active 68 DOM
19. 2026-08-28
    days on market $310,990 Active 67 DOM
20. 2026-08-27
    days on market $310,990 Active 66 DOM
21. 2026-08-25
    days on market $310,990 Active 64 DOM
22. 2026-08-24
    days on market $310,990 Active 63 DOM
23. 2026-08-23
    days on market $310,990 Active 62 DOM
24. 2026-08-22
    days on market $310,990 Active 61 DOM
25. 2026-08-21
    days on market $310,990 Active 60 DOM
26. 2026-08-20
    days on market $310,990 Active 59 DOM
27. 2026-08-19
    days on market $310,990 Active 58 DOM
28. 2026-08-18
    days on market $310,990 Active 57 DOM
29. 2026-08-17
    days on market $310,990 Active 56 DOM
30. 2026-08-16
    days on market $310,990 Active 55 DOM
31. 2026-08-15
    days on market $310,990 Active 54 DOM
32. 2026-08-14
    days on market $310,990 Active 53 DOM
33. 2026-08-13
    days on market $310,990 Active 52 DOM
34. 2026-08-12
    days on market $310,990 Active 51 DOM
35. 2026-08-11
    days on market $310,990 Active 50 DOM
36. 2026-08-10
    days on market $310,990 Active 49 DOM
37. 2026-08-09
    days on market $310,990 Active 48 DOM
38. 2026-08-08
    days on market $310,990 Active 47 DOM
39. 2026-08-07
    days on market $310,990 Active 46 DOM
40. 2026-08-06
    days on market $310,990 Active 45 DOM
41. 2026-08-05
    days on market $310,990 Active 44 DOM
42. 2026-08-04
    days on market $310,990 Active 43 DOM
43. 2026-08-03
    days on market $310,990 Active 42 DOM
44. 2026-07-31
    days on market $310,990 Active 39 DOM
45. 2026-07-30
    days on market $310,990 Active 38 DOM
46. 2026-07-29
    days on market $310,990 Active 37 DOM
47. 2026-07-27
    days on market $310,990 Active 35 DOM
48. 2026-07-25
    days on market $310,990 Active 33 DOM
49. 2026-07-24
    days on market $310,990 Active 32 DOM
50. 2026-07-23
    days on market $310,990 Active 31 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone A · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 24 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 22% 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: $35,046
• − Mortgage interest: −$17,420
• − Property taxes: −$4,665
• − Insurance: −$3,057
• − Repairs & maintenance: −$2,804
• − Management: −$2,804
• − Depreciation: −$9,047
• Taxable loss: −$4,751
• Est. tax savings @ 24.0%: +$1,140
• After-tax cash flow: $1,534/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 · 9 photos

Good 80/100 None rehab

This home is in excellent condition with a modern design and ample space. It is move-in ready and has the potential for further value increases through minor exterior and interior updates.

Value-add opportunities

• Both Painting the exterior siding and trim — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Adding a smart home system — Improves energy efficiency and adds modern amenities, increasing both resale and rental value. ↑
• Both Upgrading the kitchen appliances — Modernizes the kitchen and can increase both resale and rental value. ↑
• Both Adding a smart thermostat — Improves energy efficiency and adds modern amenities, increasing both resale and rental value. ↑

C Composite school gradezoned avg 66/100

Zoned Schools

Elementary Wylie West Int B TX #283/4,322 Nat'l #5,798/41,679 High Wylie H S B TX #150/1,632 Nat'l #2,439/17,239

Schools (NCES district)

• District: Wylie ISD
• NCES district ID: 4846500
• Math proficiency: 63% ▼ -12.00%
• Reading proficiency: 62% ▼ -4.00%
• Median HH income: $78,248
• Composite: 55.86/100
• National rank: #1206
• State rank: #32 of 826 in TX

C Composite livability gradescore 69/100

Livability — Potosi

• Score: 69/100
• State rank: #398
• US rank: #8264

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Potosi, TX
• County: Taylor County · 145,270 people
• City population: 26,588
• Metro: Abilene, TX
• Population (ZIP): 27,425
• Household income: $89,551
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 9% of renters

---

Population outlook (Taylor County) Hauer SSP2

• Today (2025): 145,270 people
• By 2030: 150,050 · +3.3%
• By 2040: 159,417 · +9.7%
• By 2050: 168,883 · +16.3%
• By 2075: 194,436 · +33.8%
• By 2100: 203,163 · +39.9%

---

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 22% Two or more races 12% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 19%
• Common ancestry: Romanian 2% Italian 2% Portuguese 2%
• Foreign-born: 6% · Canada, Vietnam, Jamaica
• Languages at home: 87% English-only · Spanish 9% Other Asian/Pacific 1% French/Haitian/Cajun 1%

---

Political lean MEDSL · Taylor

• 2024 margin: Solid R (+49.8) · D 24.6% · R 74.4% · Other 1.0%
• 2008→2024 swing: -4.2pp toward R · 2008: -45.6pp · 2024: -49.8pp
• All cycles: 2024: R+49.8 2020: R+45.3 2016: R+51.1 2012: R+53.6 2008: R+45.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -46.04%
• Current HPI: 189.3098
• Rent YoY: ▲ 33.46%
• Metro: Abilene, 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

Property features AI

Finance

• Other: Builder special listing conditionPossession at closing/funding
• Financial info: Treat as clear loan typeNo second mortgage
• HOA & community: No association (no HOA fees)

Exterior

• Parking: Attached 2-car garage2 covered parking spacesGarage faces front
• Utilities: City waterCity sewerNo municipal utility district
• Home design: Single-family residenceTwo-story homeNew construction (incomplete)
• Construction: Brick and siding exteriorComposition roofSlab foundationBuilt in 2026
• Exterior features: Subdivision: Cedar Creek On MapleCity water and city sewer

Interior

• Kitchen: DishwasherElectric rangeMicrowaveEat-in kitchen layout
• Bedrooms: 5 bedrooms total — Two bedrooms and loft on second level; remaining bedrooms on first and second levelsPrimary bedroom on second level (approx. 15 x 16)Multiple bedrooms with sizes around 12 x 13 to 12 x 15
• Flooring: CarpetLaminateLuxury vinyl plank
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central air conditioningElectric heating
• Interior features: Double vanityEat-in kitchenWalk-in closets10 total roomsOne living areaOne dining areaTwo levels
• Laundry & utility: Full-size washer/dryer areaWasher hookupElectric dryer hookup

Price history

+1.0% since first listed

3 events — show timeline

• 2026-06-23 Relisted — NTREIS
• 2026-06-05 Price Changed $310,990 NTREIS
• 2026-06-04 Listed $307,990 NTREIS