241 Banff Dr · Kyle, TX 78640

$224,999

3 bd · 2.0 ba · 1,770 sqft · SingleFamily public records · 193 Days on market

Built 2022 Good condition 5,767 sqft lot $127/sqft · 37% below area Est $356k · 37% under $35/mo HOA · 2% of rent ↓ 23% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +6.3/30.0
• 1% rule +4.1/10.0
• Condition / age +4.0/5.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• Rent growth +2.4/5.0
• DSCR +0.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision, where thoughtful design and comfortable living come together. Upon entry, you’re greeted by a private office with elegant French doors, perfect for working from home, studying, or creating a quiet retreat. As you continue down the hall, the home opens beautifully into a bright, open-concept living space designed for both connection and comfort. The kitchen is the heart of the home, featuring stainless steel appliances, a gas range, a center island with casual seating, and generous counter space with a built-in buffet, making entertaining effortless whether you are hosting friends or enjoying everyday meals. The dining area sits just off the kitchen, creating a natural flow for gatherings. After a long day, the primary suite offers a peaceful escape with a double vanity, walk-in shower, and spacious walk-in closet, while two secondary bedrooms share a well-appointed bathroom, ideal for family or guests. Step outside to the covered back patio, a perfect spot to unwind with morning coffee or enjoy Texas evenings. Located in Kyle, just off the I-35 corridor, this home enjoys a prime location that balances suburban comfort with everyday convenience. Kyle is one of Central Texas’ fastest-growing communities, offering a welcoming small-town feel while remaining minutes from the energy of Austin and the charm of San Marcos. With easy access to major employers, shopping, dining, parks, and entertainment, you’ll enjoy the best of both worlds—peaceful living with seamless connectivity to the Central Texas lifestyle. Schedule your private showing today and experience firsthand the comfort, convenience, and lifestyle this home has to offer.

Key facts

• Private office
• Built-in buffet
• Gas range

Tags

• PRIVATE OFFICE
• OPEN-CONCEPT LIVING SPACE
• STAINLESS STEEL APPLIANCES
• GAS RANGE
• CENTER ISLAND
• BUILT-IN BUFFET

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-399 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $170k (24.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (8.9% below list).
• Recommended offer: $170k (24.2% below list) — sets the bar for cash-flow.
• Cap rate 4.2% vs local median 3.3% in Kyle — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 75/100 on livability (#138 in TX, #3,993 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment A; Watch: amenities F, commute F.
• Hays CISD (rural): math 35% / reading 41% proficiency, ranked #390 of 826 in TX (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Blanco Vista El (math 33% / reading 42%, grade F, #1,744 of 4,322 statewide, top 41%, 731 students, 58% FRL); Laura B Wallace Middle (math 31% / reading 34%, grade F, #947 of 1,662 statewide, top 58%, 789 students, 53% FRL); Lehman H S (math 20% / reading 32%, grade F, #1,234 of 1,632 statewide, top 76%, 2,120 students, 59% FRL).
• Market conditions: Rents soft (-0.3%/yr); 2089 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); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 5,270 units permitted in Hays County in 2024 (1,464 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 $7k of value loss. Plan a longer hold.
• Hays County population projected at +93% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 193 days — a 12% lower offer ($198k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 3.8% of price.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $170,447 (24.2% 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 193 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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?
9. 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.
10. 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.
11. 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: 0.91% ✗
• Cap rate: 4.17%
• Cash-on-cash: -7.60%
• DSCR: 0.66
• GRM: 9.1

CMA / ARV

• ARV (median comp): $356,284
• List price: $224,999
• Delta: -36.85%
• 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
290 Yosemite Dr	0.06mi	3/2.0	1,772 (+0%)	1mo	$349,513	$197	96
306 Banff Dr	0.07mi	3/2.0	1,729 (-2%)	6mo	$295,000	$171	88
141 Yellowstone Dr	0.14mi	3/2.0	1,772 (+0%)	6mo	$299,900	$169	88
251 Yellowstone Dr	0.07mi	4/2.5 (+1)	1,823 (+3%)	4mo	$374,990	$206	81
298 Denali Dr	0.18mi	4/2.0 (+1)	1,772 (+0%)	7mo	$339,999	$192	80
331 Yellowstone Dr	0.10mi	3/2.0	1,587 (-10%)	1mo	$298,990	$188	78
254 Denali Dr	0.16mi	4/2.5 (+1)	1,822 (+3%)	9mo	$369,990	$203	73
129 Pendleton Dr	0.30mi	4/2.5 (+1)	1,893 (+7%)	0mo	$364,990	$193	67
1692 South Main St	0.38mi	3/2.0	1,621 (-8%)	8mo	$335,320	$207	61
141 Pendleton Dr	0.31mi	4/2.5 (+1)	1,995 (+13%)	5mo	$371,990	$186	53
174 Pendleton Dr	0.33mi	4/2.5 (+1)	1,995 (+13%)	5mo	$401,310	$201	52
1812 South Main St	0.37mi	4/2.5 (+1)	1,995 (+13%)	3mo	$397,990	$199	52

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: -34.1%
• Equity multiple: -0.07×
• Total profit: $-67,550
• Equity at exit: $33,548

10-year hold

• IRR: -75.7%
• Equity multiple: -0.80×
• Total profit: $-113,466
• Equity at exit: $19,454

Cash invested: $63,000 (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 →

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

Active competition Active MLS

• For sale now: 61 active · 25 under contract
• Months of supply: 13.1 mo (8%/mo absorbed)
• Median asking: $330,000 ($181/sqft)
• Median days on market: 227 d
• This list price: 5% of active listings are priced below it
• ARV vs active asking: +11.3% above current asking $/sqft

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

ZIP-level market 78640

• Home prices YoY: -33.8%
• Rents YoY: -0.3%
• Active inventory: 2089
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,051 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$710 /mo · $8,522/yr
• Insurance: −$94
• HOA: −$35
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-399

Break-even live

Break-even rent $2,556

Max offer price $170,447

Occupancy floor —

Sensitivity live

Price	-10% $-271	-5% $-335	+0% $-399	+5% $-462	+10% $-526
Rent	-10% $-561	-5% $-480	+0% $-399	+5% $-318	+10% $-237
Rate	-1.0pp $-285	-0.5pp $-342	base $-399	+0.5pp $-457	+1.0pp $-516

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: $56,250
• Closing costs: $6,750
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
141 Everglades Dr Kyle, TX	3.0	2.5	2179	$2,000	$0.92	93d	1	0.09mi
156 Zion Dr Kyle, TX	3.0	2.5	1895	$1,995	$1.05	31d	1	0.10mi
156 Zion Dr Kyle, TX	3.0	2.5	1903	$1,995	$1.05	28d	1	0.10mi
157 Mammoth Dr Kyle, TX	3.0	2.0	1607	$1,795	$1.12	42d	1	0.11mi
265 Garner Dr Kyle, TX	3.0	2.0	1551	$2,250	$1.45	93d	1	0.11mi
149 Biscayne Dr Kyle, TX	4.0	2.0	1800	$1,900	$1.06	67d	1	0.14mi
298 Denali Dr Kyle, TX	4.0	2.0	1772	$2,150	$1.21	21d	1	0.19mi
121 Yellowstone Dr Kyle, TX	3.0	2.0	1723	$2,200	$1.28	73d	1	0.19mi
130 Yellowstone Dr Kyle, TX	4.0	2.5	2507	$2,750	$1.10	21d	1	0.19mi
141 Opal Ln Kyle, TX	3.0	1.0–2.0	886	$2,000	$2.26	9d	79	0.22mi
541 Alpha Kyle, TX	3.0	2.0	1653	$1,795	$1.09	9d	1	0.73mi
349 Zarya Kyle, TX	4.0	2.5	2089	$6,200	$2.97	67d	1	0.79mi
184 Unity Kyle, TX	4.0	2.5	1704	$2,000	$1.17	93d	1	0.85mi
232 Voss Kyle, TX	3.0	2.0	1472	$1,895	$1.29	35d	1	0.89mi
232 Voss Kyle, TX	3.0	2.0	1467	$1,895	$1.29	53d	1	0.89mi
137 Jerry Lees Trl Kyle, TX	3.0	2.0	1475	$1,750	$1.19	93d	1	0.89mi
384 Discovery Kyle, TX	4.0	2.5	2080	$1,995	$0.96	93d	1	0.90mi
185 Voss Kyle, TX	3.0	2.0	1371	$1,800	$1.31	60d	1	0.91mi
105 Fossil Dr Kyle, TX	4.0	2.0	1688	$2,100	$1.24	17d	1	0.93mi
208 Hitching Post Dr Kyle, TX	3.0	2.0	1800	$1,460	$0.81	59d	1	1.00mi
376 Musgrav Kyle, TX	3.0	2.0	1476	$1,890	$1.28	47d	1	1.01mi
376 Musgrav Kyle, TX	3.0	2.0	1476	$1,988	$1.35	65d	1	1.01mi
351 Musgrav Kyle, TX	4.0	2.0	1614	$1,895	$1.17	9d	1	1.04mi
208 Discovery Kyle, TX	3.0	2.0	1893	$2,025	$1.07	93d	1	1.04mi
208 Discovery Kyle, TX	3.0	2.0	1893	$1,895	$1.00	47d	1	1.04mi
310 Fossil Dr Kyle, TX	3.0	2.0	1602	$2,000	$1.25	53d	1	1.12mi
420 Chaste Tree Dr San Marcos, TX	4.0	2.0	1900	$2,600	$1.37	93d	1	1.13mi
614 S Groos St Kyle, TX	3.0	2.0	2260	$2,000	$0.88	93d	1	1.15mi
100 Jarbridge Dr Kyle, TX	4.0	2.0	1965	$2,400	$1.22	93d	1	1.15mi
705 W 3rd St Kyle, TX	3.0	2.0	1424	$2,250	$1.58	52d	1	1.17mi
245 Verano Dr Kyle, TX	4.0	2.5	1763	$2,225	$1.26	17d	1	1.24mi
1030 Sand Post Pl San Marcos, TX	3.0	2.0	1410	$1,950	$1.38	37d	1	1.24mi
1010 Sand Post Pl San Marcos, TX	3.0	2.5	1301	$1,700	$1.31	29d	1	1.26mi
214 Gambel Oak Way San Marcos, TX	3.0	2.5	1244	$2,049	$1.65	9d	1	1.27mi
212 Durata San Marcos, TX	3.0	2.0	1862	$2,250	$1.21	93d	1	1.28mi
125 Voyager Cv Kyle, TX	3.0	2.0	1476	$1,800	$1.22	93d	1	1.28mi
199 Kennicott Dr Kyle, TX	3.0	2.0	1591	$2,000	$1.26	21d	1	1.29mi
237 Goddard Kyle, TX	3.0	2.0	1476	$1,900	$1.29	36d	1	1.29mi
718 Stampede Rd San Marcos, TX	2.0	2.5	1262	$1,795	$1.42	53d	1	1.29mi
818 Silo St San Marcos, TX	3.0	3.0	2087	$1,995	$0.96	38d	1	1.29mi

HOA detail $35/mo · $420/yr

• Likely covers: gas

Listing history 33 events

1. 2026-07-07
   days on market $224,999 Active 193 DOM
2. 2026-07-06
   days on market $224,999 Active 192 DOM
3. 2026-07-05
   days on market $224,999 Active 191 DOM
4. 2026-07-03
   days on market $224,999 Active 189 DOM
5. 2026-07-02
   price $224,999 Active 188 DOM
6. 2026-07-02
   days on market $249,900 Active 188 DOM
7. 2026-07-01
   days on market $249,900 Active 187 DOM
8. 2026-06-30
   days on market $249,900 Active 186 DOM
9. 2026-06-30
   price $249,900 Active 185 DOM
10. 2026-06-29
    days on market $249,990 Active 185 DOM
11. 2026-06-28
    days on market $249,990 Active 184 DOM
12. 2026-06-27
    days on market $249,990 Active 183 DOM
13. 2026-06-26
    days on market $249,990 Active 182 DOM
14. 2026-06-24
    days on market $249,990 Active 180 DOM
15. 2026-06-22
    days on market $249,990 Active 178 DOM
16. 2026-06-21
    days on market $249,990 Active 177 DOM
17. 2026-06-18
    days on market $249,990 Active 174 DOM
18. 2026-06-17
    days on market $249,990 Active 173 DOM
19. 2026-06-16
    days on market $249,990 Active 172 DOM
20. 2026-06-15
    days on market $249,990 Active 171 DOM
21. 2026-06-13
    days on market $249,990 Active 169 DOM
22. 2026-06-09
    days on market $249,990 Active 165 DOM
23. 2026-06-08
    days on market $249,990 Active 164 DOM
24. 2026-06-07
    days on market $249,990 Active 163 DOM
25. 2026-06-05
    days on market $249,990 Active 160 DOM
26. 2026-06-03
    days on market $249,990 Active 159 DOM
27. 2026-06-02
    days on market $249,990 Active 158 DOM
28. 2026-06-01
    days on market $249,990 Active 157 DOM
29. 2026-05-31
    days on market $249,990 Active 156 DOM
30. 2026-02-02
    price $249,990 1772-char remark

    Show marketing remark (1772 chars)

    Welcome home to this inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision, where thoughtful design and comfortable living come together. Upon entry, you’re greeted by a private office with elegant French doors, perfect for working from home, studying, or creating a quiet retreat. As you continue down the hall, the home opens beautifully into a bright, open-concept living space designed for both connection and comfort. The kitchen is the heart of the home, featuring stainless steel appliances, a gas range, a center island with casual seating, and generous counter space with a built-in buffet, making entertaining effortless whether you are hosting friends or enjoying everyday meals. The dining area sits just off the kitchen, creating a natural flow for gatherings. After a long day, the primary suite offers a peaceful escape with a double vanity, walk-in shower, and spacious walk-in closet, while two secondary bedrooms share a well-appointed bathroom, ideal for family or guests. Step outside to the covered back patio, a perfect spot to unwind with morning coffee or enjoy Texas evenings. Located in Kyle, just off the I-35 corridor, this home enjoys a prime location that balances suburban comfort with everyday convenience. Kyle is one of Central Texas’ fastest-growing communities, offering a welcoming small-town feel while remaining minutes from the energy of Austin and the charm of San Marcos. With easy access to major employers, shopping, dining, parks, and entertainment, you’ll enjoy the best of both worlds—peaceful living with seamless connectivity to the Central Texas lifestyle. Schedule your private showing today and experience firsthand the comfort, convenience, and lifestyle this home has to offer.

31. 2026-01-05
    price $275,000 1772-char remark

    Show marketing remark (1772 chars)

    Welcome home to this inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision, where thoughtful design and comfortable living come together. Upon entry, you’re greeted by a private office with elegant French doors, perfect for working from home, studying, or creating a quiet retreat. As you continue down the hall, the home opens beautifully into a bright, open-concept living space designed for both connection and comfort. The kitchen is the heart of the home, featuring stainless steel appliances, a gas range, a center island with casual seating, and generous counter space with a built-in buffet, making entertaining effortless whether you are hosting friends or enjoying everyday meals. The dining area sits just off the kitchen, creating a natural flow for gatherings. After a long day, the primary suite offers a peaceful escape with a double vanity, walk-in shower, and spacious walk-in closet, while two secondary bedrooms share a well-appointed bathroom, ideal for family or guests. Step outside to the covered back patio, a perfect spot to unwind with morning coffee or enjoy Texas evenings. Located in Kyle, just off the I-35 corridor, this home enjoys a prime location that balances suburban comfort with everyday convenience. Kyle is one of Central Texas’ fastest-growing communities, offering a welcoming small-town feel while remaining minutes from the energy of Austin and the charm of San Marcos. With easy access to major employers, shopping, dining, parks, and entertainment, you’ll enjoy the best of both worlds—peaceful living with seamless connectivity to the Central Texas lifestyle. Schedule your private showing today and experience firsthand the comfort, convenience, and lifestyle this home has to offer.

32. 2025-12-29
    price $299,000 1772-char remark

    Show marketing remark (1772 chars)

    Welcome home to this inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision, where thoughtful design and comfortable living come together. Upon entry, you’re greeted by a private office with elegant French doors, perfect for working from home, studying, or creating a quiet retreat. As you continue down the hall, the home opens beautifully into a bright, open-concept living space designed for both connection and comfort. The kitchen is the heart of the home, featuring stainless steel appliances, a gas range, a center island with casual seating, and generous counter space with a built-in buffet, making entertaining effortless whether you are hosting friends or enjoying everyday meals. The dining area sits just off the kitchen, creating a natural flow for gatherings. After a long day, the primary suite offers a peaceful escape with a double vanity, walk-in shower, and spacious walk-in closet, while two secondary bedrooms share a well-appointed bathroom, ideal for family or guests. Step outside to the covered back patio, a perfect spot to unwind with morning coffee or enjoy Texas evenings. Located in Kyle, just off the I-35 corridor, this home enjoys a prime location that balances suburban comfort with everyday convenience. Kyle is one of Central Texas’ fastest-growing communities, offering a welcoming small-town feel while remaining minutes from the energy of Austin and the charm of San Marcos. With easy access to major employers, shopping, dining, parks, and entertainment, you’ll enjoy the best of both worlds—peaceful living with seamless connectivity to the Central Texas lifestyle. Schedule your private showing today and experience firsthand the comfort, convenience, and lifestyle this home has to offer.

33. 2025-12-26
    listed $325,000 Active 1772-char remark

    Show marketing remark (1772 chars)

    Welcome home to this inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision, where thoughtful design and comfortable living come together. Upon entry, you’re greeted by a private office with elegant French doors, perfect for working from home, studying, or creating a quiet retreat. As you continue down the hall, the home opens beautifully into a bright, open-concept living space designed for both connection and comfort. The kitchen is the heart of the home, featuring stainless steel appliances, a gas range, a center island with casual seating, and generous counter space with a built-in buffet, making entertaining effortless whether you are hosting friends or enjoying everyday meals. The dining area sits just off the kitchen, creating a natural flow for gatherings. After a long day, the primary suite offers a peaceful escape with a double vanity, walk-in shower, and spacious walk-in closet, while two secondary bedrooms share a well-appointed bathroom, ideal for family or guests. Step outside to the covered back patio, a perfect spot to unwind with morning coffee or enjoy Texas evenings. Located in Kyle, just off the I-35 corridor, this home enjoys a prime location that balances suburban comfort with everyday convenience. Kyle is one of Central Texas’ fastest-growing communities, offering a welcoming small-town feel while remaining minutes from the energy of Austin and the charm of San Marcos. With easy access to major employers, shopping, dining, parks, and entertainment, you’ll enjoy the best of both worlds—peaceful living with seamless connectivity to the Central Texas lifestyle. Schedule your private showing today and experience firsthand the comfort, convenience, and lifestyle this home has to offer.

ⓘ 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: $8,522 · $710/mo
• Projected year-2 tax: $8,522 · $710/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 · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $24,609
• − Mortgage interest: −$12,603
• − Property taxes: −$8,522
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,969
• − Management: −$1,969
• − HOA: −$420
• − Depreciation: −$6,545
• Taxable loss: −$8,544
• Est. tax savings @ 24.0%: +$2,051
• After-tax cash flow: $-2,734/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 · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $8,850–$26,550 screening

This inviting 3-bedroom, 2-bath home in Kyle’s Paramount subdivision is move-in ready with modern updates and a fresh exterior. It offers a bright, open-concept living space and a well-equipped kitchen, making it ideal for both resale and rental.

Value-add opportunities

• Both landscaping — enhances curb appeal and adds value ↑
• Both furniture — improves living space and adds value ↑
• Both smart home integration — enhances comfort and adds value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 38/100

Zoned Schools

Elementary Blanco Vista El F TX #1,744/4,322 Nat'l #21,283/41,679 Middle Laura B Wallace Middle F TX #947/1,662 Nat'l #8,188/14,009 High Jack C Hays H S F TX #697/1,632 Nat'l #7,320/17,239

Schools (NCES district)

• District: Hays CISD
• NCES district ID: 4800010
• Math proficiency: 35% ▼ -15.00%
• Reading proficiency: 41% ▼ -5.00%
• Median HH income: $70,570
• Composite: 34.78/100
• National rank: #5118
• State rank: #390 of 826 in TX

B Composite livability gradescore 75/100

Livability — Kyle

• Score: 75/100
• State rank: #138
• US rank: #3993

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kyle, TX
• County: Hays County · 286,948 people
• Metro: Austin-Round Rock-Georgetown, TX
• Population (ZIP): 77,531
• Household income: $90,075
• Rent vs Own: 29.0% rent · 71.0% own
• Severe rent burden: 11% of renters

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Population outlook (Hays County) Hauer SSP2

• Today (2025): 286,948 people
• By 2030: 336,923 · +17.4%
• By 2040: 441,894 · +54.0%
• By 2050: 553,462 · +92.9%
• By 2075: 838,261 · +192.1%
• By 2100: 1,063,658 · +270.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Hispanic / Latino 55% White 36% Two or more races 29% Black 5% Native American 1%
• Hispanic origin (detail): Mexican 47% Puerto Rican 1%
• Common ancestry: Italian 2% Slovak 2% Lithuanian 1%
• Foreign-born: 13% · Canada
• Languages at home: 63% English-only · Spanish 35%

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Political lean MEDSL · Hays

• 2024 margin: Lean D (+5.7) · D 52.1% · R 46.5% · Other 1.4%
• 2008→2024 swing: +7.7pp toward D · 2008: -2.0pp · 2024: 5.7pp
• All cycles: 2024: D+5.7 2020: D+10.8 2016: R+0.9 2012: R+10.4 2008: R+2.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -92.64%
• Current HPI: 181.7969
• Rent YoY: ▼ -0.34%
• Metro: Austin-Round Rock-Georgetown, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

-23.1% since first listed

4 events — show timeline

• 2026-02-02 Price Changed $249,990 Unlock MLS
• 2026-01-05 Price Changed $275,000 Unlock MLS
• 2025-12-29 Price Changed $299,000 Unlock MLS
• 2025-12-26 Listed $325,000 Unlock MLS

Property tax history

+68.5%/yr

Latest (2025): $8,522 · +7.2% YoY. Source: county tax records.