3300 Pradera St · Mission, TX 78575

$195,000

4 bd · 2.0 ba · 2,082 sqft · SingleFamily public records · 236 Days on market

Built 2007 Fair condition 0.50 ac lot $94/sqft · 35% below area Est $345k · 43% under ↓ 12% since listing

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Why this score? — see what drove the B 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 +27.0/30.0
• ARV discount +15.0/15.0
• DSCR +9.3/10.0
• 1% rule +7.6/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Appreciation +2.3/10.0
• Condition / age +2.2/5.0
• Schools +1.6/10.0

Listing remarks MLS

Excellent income-producing opportunity in Mission, Texas—now eligible for a USDA loan with zero down payment! Ideal for investors, first-time homebuyers, or owner-occupants, this versatile property is perfect for those seeking a spacious home with built-in rental income. The property features three rental units—two detached and one attached—each with its own private kitchen and bathroom, and each currently rented for $500 per month, providing immediate and consistent cash flow. Situated on a fully fenced half-acre lot, the property includes a 2-year-old roof, a new A/C unit and water heater, and a motorized entry gate for added security. With low property taxes, mature fruit trees, and room for future expansion, this property offers both comfort and long-term value.

Key facts

• 2 year old roof
• Three rental units
• Private kitchen

Tags

• THREE RENTAL UNITS
• PRIVATE KITCHEN
• PRIVATE BATHROOM
• FULLY FENCED LOT
• 2 YEAR OLD ROOF
• NEW A C UNIT

🏷️ Possibly a rental listed for sale. The $195,000 price doesn't fit this home's estimated sale value (~$344,616) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $195k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $546 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $195k).
• Recommended offer: $172k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 3.6% in Mission — 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 75/100 on livability (#148 in TX, #4,155 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment D-.
• La Joya ISD (suburban): math 18% / reading 29% proficiency, ranked #759 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Evangelina Garza El (math 13% / reading 31%, grade F, #3,333 of 4,322 statewide, top 80%, 439 students, 98% FRL); Juan De Dios Salinas Middle (math 10% / reading 14%, grade F, #1,623 of 1,662 statewide, top 98%, 704 students, 99% FRL); Juarez-Lincoln H S (math 10% / reading 20%, grade F, #1,507 of 1,632 statewide, top 93%, 2,062 students, 99% FRL) — zoned schools average 98% FRL vs 54% district-wide (45 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 87 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).
• This rent runs 40% of the median local income ($74k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 236 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 4 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 236 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
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. 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.
6. 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.
7. 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: 1.26% ✓
• Cap rate: 9.65%
• Cash-on-cash: 12.00%
• DSCR: 1.53
• GRM: 6.6

CMA / ARV

• ARV (median comp): $344,616
• List price: $195,000
• Delta: -43.42%
• Verdict: UNDERPRICED
• Comps: 4 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15227 Los Ebanos Rd	1.64mi	4/3.0	2,108 (+1%)	0mo	$559,900	$266	59
1801 W Mile 8 Rd	1.49mi	3/2.0 (-1)	1,994 (-4%)	16mo	$224,999	$113	39
4011 Pepe Dr	1.52mi	3/1.0 (-1)	1,902 (-9%)	6mo	$125,000	$66	36
3311 Marla Ct	0.55mi	3/2.0 (-1)	1,500 (-28%)	10mo	$264,900	$177	36
8534 N La Homa Rd	1.96mi	4/3.0	2,290 (+10%)	10mo	$299,000	$131	36
2706 Silverado Cir S	0.58mi	4/2.0	1,584 (-24%)	18mo	$114,999	$73	33
15801 N 113th St	1.96mi	4/2.0	1,920 (-8%)	27mo	$222,000	$116	32
2404 Trey Leal Ave	1.89mi	4/2.0	1,864 (-10%)	46mo	$265,000	$142	28
2216 Ashley Ave	1.86mi	3/2.0 (-1)	1,824 (-12%)	34mo	$245,000	$134	19
8827 Minnesota Rd	1.85mi	3/2.0 (-1)	1,480 (-29%)	48mo	$324,900	$220	15
12181 N Bentsen Palm Dr	1.71mi	5/2.5 (+1)	2,380 (+14%)	58mo	$345,000	$145	14
12935 Trosper Rd	2.25mi	3/3.0 (-1)	2,690 (+29%)	48mo	$350,000	$130	11

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: 1.6%
• Equity multiple: 1.06×
• Total profit: $3,243
• Equity at exit: $29,075

10-year hold

• IRR: 11.2%
• Equity multiple: 1.88×
• Total profit: $47,861
• Equity at exit: $16,860

Cash invested: $54,600 (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 →

Active competition Active MLS

• For sale now: 2 active
• Median asking: $207,200 ($130/sqft)
• Median days on market: 38 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +27.7% above current asking $/sqft

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

ZIP-level market 78575

• Home prices YoY: -2.2%
• Active inventory: 87
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,450 medium
• Mortgage (P&I): −$1,023
• Tax from tax record: −$286 /mo · $3,427/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$514
• Net cashflow: $546

Break-even live

Break-even rent $1,759

Max offer price $195,000

Occupancy floor 73%

Sensitivity live

Price	-10% $656	-5% $601	+0% $546	+5% $491	+10% $436
Rent	-10% $353	-5% $449	+0% $546	+5% $643	+10% $740
Rate	-1.0pp $644	-0.5pp $596	base $546	+0.5pp $496	+1.0pp $444

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: $48,750
• Closing costs: $5,850
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9433 N Minnesota Rd Palmview, TX	4.0	3.0	2284	$2,500	$1.09	93d	1	1.35mi
9433 N Minnesota Rd Palmview, TX	4.0	3.0	2284	$2,400	$1.05	63d	1	1.35mi

Listing history 50 events

1. 2026-08-08
   days on market $195,000 Active 236 DOM
2. 2026-08-07
   days on market $195,000 Active 235 DOM
3. 2026-08-06
   days on market $195,000 Active 234 DOM
4. 2026-08-05
   days on market $195,000 Active 233 DOM
5. 2026-08-04
   days on market $195,000 Active 232 DOM
6. 2026-08-03
   days on market $195,000 Active 231 DOM
7. 2026-07-31
   days on market $195,000 Active 228 DOM
8. 2026-07-29
   days on market $195,000 Active 226 DOM
9. 2026-07-27
   days on market $195,000 Active 224 DOM
10. 2026-07-25
    days on market $195,000 Active 222 DOM
11. 2026-07-23
    days on market $195,000 Active 220 DOM
12. 2026-07-22
    days on market $195,000 Active 219 DOM
13. 2026-07-21
    days on market $195,000 Active 218 DOM
14. 2026-07-18
    days on market $195,000 Active 215 DOM
15. 2026-07-16
    days on market $195,000 Active 213 DOM
16. 2026-07-16
    days on market $195,000 Active 212 DOM
17. 2026-07-14
    days on market $195,000 Active 211 DOM
18. 2026-07-14
    days on market $195,000 Active 210 DOM
19. 2026-07-12
    days on market $195,000 Active 209 DOM
20. 2026-07-11
    days on market $195,000 Active 208 DOM
21. 2026-07-10
    days on market $195,000 Active 207 DOM
22. 2026-07-09
    days on market $195,000 Active 206 DOM
23. 2026-07-07
    days on market $195,000 Active 204 DOM
24. 2026-07-06
    days on market $195,000 Active 203 DOM
25. 2026-07-05
    days on market $195,000 Active 202 DOM
26. 2026-07-04
    days on market $195,000 Active 201 DOM
27. 2026-07-03
    days on market $195,000 Active 200 DOM
28. 2026-07-02
    days on market $195,000 Active 199 DOM
29. 2026-07-01
    days on market $195,000 Active 198 DOM
30. 2026-06-30
    days on market $195,000 Active 197 DOM
31. 2026-06-29
    days on market $195,000 Active 196 DOM
32. 2026-06-28
    days on market $195,000 Active 195 DOM
33. 2026-06-28
    days on market $195,000 Active 194 DOM
34. 2026-06-27
    days on market $195,000 Active 193 DOM
35. 2026-06-25
    days on market $195,000 Active 191 DOM
36. 2026-06-23
    days on market $195,000 Active 189 DOM
37. 2026-06-22
    days on market $195,000 Active 188 DOM
38. 2026-06-18
    days on market $195,000 Active 185 DOM
39. 2026-06-17
    days on market $195,000 Active 184 DOM
40. 2026-06-16
    days on market $195,000 Active 183 DOM
41. 2026-06-15
    days on market $195,000 Active 182 DOM
42. 2026-06-14
    days on market $195,000 Active 180 DOM
43. 2026-06-13
    days on market $195,000 Active 179 DOM
44. 2026-06-10
    days on market $195,000 Active 177 DOM
45. 2026-06-09
    days on market $195,000 Active 176 DOM
46. 2026-06-08
    days on market $195,000 Active 175 DOM
47. 2026-06-07
    days on market $195,000 Active 174 DOM
48. 2026-06-05
    days on market $195,000 Active 171 DOM
49. 2026-06-03
    days on market $195,000 Active 170 DOM
50. 2026-06-02
    days on market $195,000 Active 169 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: $3,427 · $286/mo
• Projected year-2 tax: $3,568 · $297/mo
• Expected delta: +$141/yr (+$12/mo · 4.1%)

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

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X · 20% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% 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: $29,400
• − Mortgage interest: −$10,923
• − Property taxes: −$3,427
• − Insurance: −$975
• − Repairs & maintenance: −$2,352
• − Management: −$2,352
• − Depreciation: −$5,673
• Taxable income: $3,698
• Est. tax owed @ 24.0%: −$888
• After-tax cash flow: $5,665/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

Fair 45/100 Moderate rehab Est. rehab $52,050–$93,690 screening

This property requires moderate renovations to improve its condition and increase its value. Key areas for improvement include the kitchen cabinets, bathrooms, and interior walls.

Components & finishes AI

Roof asphalt shingle · good Flooring tile

Deferred maintenance Est. $2,000–$8,000 screening

• Minor Roof (roof) — No visible signs of damage or wear on the roof.
• Minor Windows (windows) — No visible signs of damage or wear on the windows.
• Minor Electrical (electrical) — No visible signs of damage or wear on the electrical components.
• Minor Plumbing (plumbing) — No visible signs of damage or wear on the plumbing.

Repairs flagged

• Minor kitchen cabinets — slight wear
• Major bathroom fixtures — outdated and in poor condition
• Major interior walls — outdated and in poor condition

Value-add opportunities

• Both paint interior walls — enhances curb appeal and interior aesthetics ↑
• Both replace bathroom fixtures — improves functionality and aesthetics ↑
• Both update kitchen cabinets — modernizes the space and improves functionality ↑

ⓘ Rehab cost is a screening estimate — Moderate 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 16/100

Zoned Schools

Elementary Evangelina Garza El F TX #3,333/4,322 Nat'l #32,000/41,679 Middle Juan De Dios Salinas Middle F TX #1,623/1,662 Nat'l #13,125/14,009 High Juarez-Lincoln H S F TX #1,507/1,632 Nat'l #15,263/17,239

Schools (NCES district)

• District: La Joya ISD
• NCES district ID: 4826130
• Math proficiency: 18% ▼ -35.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $27,845
• Composite: 18.65/100
• National rank: #8891
• State rank: #759 of 826 in TX

B Composite livability gradescore 75/100

Livability — Mission

• Score: 75/100
• State rank: #148
• US rank: #4155

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cameron · 955,232 people
• City population: 78,024
• Metro: Brownsville-Harlingen, TX
• Population (ZIP): 4,728
• Household income: $74,273
• Rent vs Own: 33.6% rent · 66.4% own
• Severe rent burden: 7% of renters

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Population outlook (Hidalgo County) Hauer SSP2

• Today (2025): 955,232 people
• By 2030: 1,009,774 · +5.7%
• By 2040: 1,120,332 · +17.3%
• By 2050: 1,225,036 · +28.2%
• By 2075: 1,439,189 · +50.7%
• By 2100: 1,533,429 · +60.5%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (78%)
• Race & ethnicity: Hispanic / Latino 78% Two or more races 36% White 19% Asian 3%
• Hispanic origin (detail): Mexican 75%
• Common ancestry: Lithuanian 2% Slovak 1% Italian 1%
• Foreign-born: 28% · Canada, China, Dominican Republic
• Languages at home: 27% English-only · Spanish 70% Chinese 1% Other Indo-European 1%

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Political lean MEDSL · Hidalgo

• 2024 margin: Toss-up / Even · D 48.1% · R 51.0%
• 2008→2024 swing: -41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
• All cycles: 2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -5.34%
• Current HPI: 240.4582
• Rent YoY: —
• Metro: —
• 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

-11.6% since first listed

12 events — show timeline

• 2026-05-18 Relisted — MCALLENMLS
• 2026-05-08 Contingent — MCALLENMLS
• 2025-12-15 Listed $199,000 MCALLENMLS
• 2025-11-20 Price Changed $199,000 MCALLENMLS
• 2025-09-23 Relisted — MCALLENMLS
• 2025-09-13 Pending — MCALLENMLS
• 2025-09-08 Contingent — MCALLENMLS
• 2025-07-17 Price Changed $210,000 MCALLENMLS
• 2025-06-16 Price Changed $215,000 MCALLENMLS
• 2025-06-04 Listed $225,000 MCALLENMLS
• 2019-08-05 Sold (Public Records) — Public Records
• 1998-05-18 Sold (Public Records) — Public Records

Property tax history

+6.2%/yr

Latest (2025): $3,427 · +7.1% YoY. Source: county tax records.