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3302 S Sugar Rd Unit G
C+ Composite 64.01
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 +25.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +8.2/10.0
  • ARV discount +7.5/15.0
  • Condition / age +4.0/5.0
  • Schools +3.7/10.0
  • Livability +3.2/5.0
  • Rent growth +2.4/5.0
  • Appreciation +0.0/10.0

$100,000

3302 S Sugar Rd Unit G · Edinburg, TX 78539
2 bd · 2.0 ba · 1,853 sqft · Townhouse public records · 36 Days on market
Built 2019 Good condition 2,228 sqft lot $54/sqft · 53% below area $110/mo HOA · 7% of rent

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

Listing remarks

Incredible value in Gated Community close to UTRGV and major hospitals! Step inside this stunning three-story townhome featuring 3 bedrooms, 2 full baths, and 2 half baths in the highly sought-after South Edinburg area. The main level is perfect for entertaining, with a spacious living room and kitchen, plus a convenient half bath and laundry room. Upstairs, you'll find two generous bedrooms, each with its own full bath and ample closet space. The third floor is your private retreat, featuring a versatile bonus room (office), an additional half bath, and a balcony—perfect for enjoying your morning coffee or relaxing outdoors.

Key facts

  • $110 HOA
  • Garage
  • Built 2019

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath townhouse listed at $100k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $219 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $100k).
  • Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
  • Cap rate 8.9% vs local median 3.1% in Edinburg — 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 64/100 on livability (#784 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
  • Edinburg CISD (urban): math 20% / reading 34% proficiency, ranked #699 of 826 in TX (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Alfonso Ramirez El (math 37% / reading 42%, grade F, #1,545 of 4,322 statewide, top 38%, 681 students, 61% FRL); South Middle (math 23% / reading 46%, grade F, #858 of 1,662 statewide, top 54%, 1,309 students, 66% FRL); Robert R Vela H S (math 27% / reading 48%, grade F, #888 of 1,632 statewide, top 55%, 2,189 students, 62% FRL) — zoned schools at 63% FRL track the district average.
  • Market conditions: Rents soft (-0.5%/yr); 557 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k 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.

Negotiation context

  • It's been on market 36 days — a 3% lower offer ($97k) 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

  • Watch-outs: property tax is 4.9% of price.
  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $97,000 (3.0% below list)

Questions for the listing agent

  1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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
1.65%
Cap rate
8.92%
Cash-on-cash
9.39%
DSCR
1.42
GRM
5.0

CMA / ARV

ARV (median comp)
$213,536
List price
$100,000
Delta
-53.17%
Verdict
UNDERPRICED
Comps
14 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1220 Ricco St 0.35mi 3/2.0 (+1) 1,815 (-2%) 2mo $265,000 $146 74
419 Benites St 0.54mi 3/2.0 (+1) 1,646 (-11%) 2mo $265,000 $161 50
2314 Elbrus Ave 0.79mi 3/3.0 (+1) 1,953 (+5%) 2mo $379,000 $194 45
1910 W Lindsay Blvd 0.55mi 3/2.5 (+1) 2,093 (+13%) 1mo $166,000 $79 45
3507 Bridget St 0.46mi 3/2.5 (+1) 2,167 (+17%) 2mo $229,000 $106 45
2712 W Chesterfield Ave 1.37mi 3/3.0 (+1) 1,954 (+6%) 3mo $425,000 $218 45
2810 Huisache Ave 0.48mi 3/3.0 (+1) 2,159 (+16%) 2mo $285,000 $132 42
1717 Ivy Ln 1.32mi 3/2.0 (+1) 1,648 (-11%) 1mo $240,000 $146 41
2103 Ann St 0.79mi 3/2.0 (+1) 2,057 (+11%) 1mo $279,500 $136 41
1814 John Ave 1.05mi 3/2.0 (+1) 1,584 (-14%) 2mo $224,900 $142 34
3816 Anaya St 0.73mi 3/2.0 (+1) 1,477 (-20%) 2mo $254,999 $173 34
1404 S 7th Ave 1.42mi 3/3.5 (+1) 2,304 (+24%) 0mo $370,000 $161 29

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
-6.9%
Equity multiple
0.76×
Total profit
$-6,833
Equity at exit
$14,910
10-year hold
IRR
-3.8%
Equity multiple
0.80×
Total profit
$-5,630
Equity at exit
$8,646

Cash invested: $28,000 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
4 active · 2 under contract
Months of supply
24.0 mo (4%/mo absorbed)
Median asking
$237,888 ($165/sqft)
Median days on market
60 d
This list price
lowest-priced of the active set
ARV vs active asking
-30.3% vs current asking $/sqft

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

ZIP-level market 78539

Home prices YoY
-19.6%
Rents YoY
-0.5%
Active inventory
557
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$1,654 high interval (Pro) →
Mortgage (P&I)
$524
Tax from tax record
$412 /mo · $4,941/yr
Insurance
$42
HOA
$110
Vacancy / Maint / Mgmt
$347
Net cashflow
$219

Break-even live

Break-even rent $1,377
Max offer price $100,000
Occupancy floor 82%

Sensitivity live

Price -10% $575 -5% $540 +0% $219 +5% $191 +10% $162
Rent -10% $88 -5% $154 +0% $219 +5% $284 +10% $350
Rate -1.0pp $269 -0.5pp $244 base $219 +0.5pp $193 +1.0pp $167

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
$25,000
Closing costs
$3,000
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 28 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3302 S Sugar Rd Unit G Edinburg, TX 3.0 2.5 1530 $1,595 $1.04 6d 1 0.04mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 139d 1 0.18mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 6d 1 0.18mi
1328 Nora Dr Edinburg, TX 3.0 2.0 1305 $1,900 $1.46 62d 1 0.18mi
1400 Wisconsin Rd Unit 1 Edinburg, TX 3.0 2.5 1650 $1,700 $1.03 6d 1 0.19mi
1400 Wisconsin Rd Unit 2 Edinburg, TX 2.0 2.5 1400 $1,300 $0.93 139d 1 0.19mi
1921 Andrea Ave Edinburg, TX 3.0 2.0 1670 $1,750 $1.05 6d 1 0.46mi
3118 Vera Ave Edinburg, TX 3.0 2.0 1553 $1,800 $1.16 139d 1 0.50mi
3719 Alvarado St Edinburg, TX 3.0 2.5 1543 $2,095 $1.36 139d 1 0.62mi
323 Cavazos St Edinburg, TX 3.0 2.5 2223 $1,700 $0.76 139d 1 0.66mi
308 Benites St Edinburg, TX 3.0 2.0 1621 $1,950 $1.20 62d 1 0.67mi
308 Benites St Edinburg, TX 3.0 2.0 1621 $1,950 $1.20 6d 1 0.67mi
315 Figueroa Edinburg, TX 3.0 2.0 1482 $1,900 $1.28 6d 1 0.70mi
2714 Blue Ridge Dr Edinburg, TX 3.0 2.0 1966 $1,750 $0.89 109d 1 0.73mi
3319 S Marla Ct Edinburg, TX 3.0 2.5 1500 $2,000 $1.33 6d 1 0.97mi
613 W Haveland St Edinburg, TX 3.0 2.0 1556 $2,500 $1.61 62d 1 1.03mi
216 Enfield Rd Edinburg, TX 3.0 2.0 1972 $1,750 $0.89 6d 1 1.03mi
240 Austin Blvd Edinburg, TX 2.0 2.0 2279 $2,200 $0.97 139d 1 1.04mi
1905 Fawn Cir Edinburg, TX 3.0 2.0 1868 $1,700 $0.91 62d 1 1.04mi
4809 S Markland Ave Edinburg, TX 3.0 2.0 1663 $2,550 $1.53 119d 1 1.12mi
5018 S Hummer Ln Edinburg, TX 3.0 2.0 1926 $1,800 $0.93 119d 1 1.19mi
5211 Shalom Dr Edinburg, TX 3.0 2.0 2305 $2,200 $0.95 139d 1 1.30mi
2621 Easy St Edinburg, TX 3.0 2.5 2155 $2,000 $0.93 6d 1 1.39mi
1414 S 7th Ave Edinburg, TX 3.0 3.5 2304 $3,400 $1.48 62d 1 1.40mi
2012 Pin Oak Rd Edinburg, TX 3.0 2.0 1300 $1,600 $1.23 139d 1 1.45mi
3421 S Kerala Ave Unit D Edinburg, TX 3.0 2.5 1700 $1,850 $1.09 62d 1 1.46mi
3421 S Kerala Ave Unit D Edinburg, TX 3.0 2.5 1700 $1,850 $1.09 139d 1 1.46mi
902 Hidden Forest Dr Edinburg, TX 3.0 2.0 1764 $1,800 $1.02 139d 1 1.49mi

Property features AI

Finance

Financial info
Seller-measured living area
HOA & community
Part of a homeowners association (Regency at Nora HOA)HOA dues collected monthlyMonthly association fee $110POA mandatory with $100 transfer feeGated community with curbs and sidewalks

Exterior

Parking
Detached covered parking for 2 vehicles2-car carport
Security
Gated communityMotorized gateSmoke detectors
Utilities
Public waterCity sewerElectric service
Home design
Corner lot locationPaved road access
Construction
Stone and stucco constructionComposition shingle roofSlab foundationBuilt as part of a condominium (Regency Villas unit)
Exterior features
Covered patio and deck/balcony/porchBalconyMature trees and professional landscapingSprinkler/irrigation systemMotorized gatePatio

Interior

Kitchen
Smooth electric cooktop / electric rangeStove/Range (electric smooth)MicrowaveDishwasher disposerRefrigerator
Bedrooms
Primary bedroom with walk-in closet
Flooring
Laminate flooringTile flooring
Bathrooms
2 full bathrooms2 half bathrooms
Heating & cooling
Central heating (electric)Central air conditioning (electric)Energy Star thermostat
Interior features
Entrance foyerGranite countertopsCeiling fansSmoke detectorsDouble-pane energy-efficient windowsMini blinds
Laundry & utility
Laundry room with washer/dryer connectionsWasher and dryer includedElectric water heater (laundry room)

HOA detail $110/mo · $1,320/yr

Likely covers
security

Listing history 41 events

  1. 2026-07-16
    days on market $100,000 Active 36 DOM
  2. 2026-07-16
    days on market $100,000 Active 35 DOM
  3. 2026-07-14
    days on market $100,000 Active 34 DOM
  4. 2026-07-13
    days on market $100,000 Active 33 DOM
  5. 2026-07-12
    days on market $100,000 Active 32 DOM
  6. 2026-07-11
    days on market $100,000 Active 31 DOM
  7. 2026-07-10
    days on market $100,000 Active 30 DOM
  8. 2026-07-09
    days on market $100,000 Active 29 DOM
  9. 2026-07-07
    days on market $100,000 Active 27 DOM
  10. 2026-07-06
    days on market $100,000 Active 26 DOM
  11. 2026-07-05
    days on market $100,000 Active 25 DOM
  12. 2026-07-04
    days on market $100,000 Active 24 DOM
  13. 2026-07-03
    days on market $100,000 Active 23 DOM
  14. 2026-07-02
    days on market $100,000 Active 22 DOM
  15. 2026-07-01
    days on market $100,000 Active 21 DOM
  16. 2026-06-30
    days on market $100,000 Active 20 DOM
  17. 2026-06-29
    days on market $100,000 Active 19 DOM
  18. 2026-06-28
    days on market $100,000 Active 18 DOM
  19. 2026-06-28
    days on market $100,000 Active 17 DOM
  20. 2026-06-27
    days on market $100,000 Active 16 DOM
  21. 2026-06-25
    days on market $100,000 Active 14 DOM
  22. 2026-06-23
    days on market $100,000 Active 12 DOM
  23. 2026-06-21
    days on market $100,000 Active 11 DOM
  24. 2026-06-18
    days on market $100,000 Active 8 DOM
  25. 2026-06-17
    days on market $100,000 Active 7 DOM
  26. 2026-06-16
    days on market $100,000 Active 6 DOM
  27. 2026-06-15
    days on market $100,000 Active 5 DOM
  28. 2026-06-14
    days on market $100,000 Active 3 DOM
  29. 2026-06-13
    pricedays on marketlisting id $100,000 Active 2 DOM
  30. 2026-06-09
    days on market $211,000 Active 133 DOM
  31. 2026-06-08
    days on market $211,000 Active 132 DOM
  32. 2026-06-07
    days on market $211,000 Active 131 DOM
  33. 2026-06-03
    days on market $211,000 Active 127 DOM
  34. 2026-06-02
    days on market $211,000 Active 126 DOM
  35. 2026-06-01
    days on market $211,000 Active 125 DOM
  36. 2026-05-31
    days on market $211,000 Active 124 DOM
  37. 2026-05-31
    days on market $211,000 Active 123 DOM
  38. 2026-01-28
    listed $211,000 Active 936-char remark
  39. 2025-10-14
    listed $211,000 Active
  40. 2025-10-11
    historical $1,575
  41. 2025-09-13
    listed $1,575

ⓘ 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
$4,941 · $412/mo
Projected year-2 tax
$4,941 · $412/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 3/10 Moderate 12% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$19,852
− Mortgage interest
−$5,602
− Property taxes
−$4,941
− Insurance
−$500
− Repairs & maintenance
−$1,588
− Management
−$1,588
− HOA
−$1,320
− Depreciation
−$2,909
Taxable income
$1,403
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$337
After-tax cash flow
$2,292/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 $9,265–$27,795 screening

This three-story townhome in a gated community is in excellent condition with modern finishes and a well-maintained exterior. It offers a good return on investment with minimal maintenance required.

Value-add opportunities

  • Both Paint exterior trim — Enhances curb appeal and value.
  • Both Clean gutters — Improves drainage and adds to the home's overall appearance.

ⓘ 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 37/100

Zoned Schools

Elementary Alfonso Ramirez El F TX #1,545/4,322 Nat'l #19,648/41,679 Middle South Middle F TX #858/1,662 Nat'l #7,581/14,009 High Robert R Vela H S F TX #888/1,632 Nat'l #8,937/17,239

Schools (NCES district)

District
Edinburg CISD
NCES district ID
4818180
Math proficiency
20% ▼ -34.00%
Reading proficiency
34% ▼ -11.00%
Median HH income
$36,985
Composite
22.42/100
National rank
#8114
State rank
#699 of 826 in TX
C Composite livability gradescore 64/100

Livability — Edinburg

Score
64/100
State rank
#784
US rank
#14319

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Edinburg, TX
County
Hidalgo County · 955,232 people
City population
178,279
Metro
McAllen-Edinburg-Mission, TX
Population (ZIP)
37,168
Household income
$66,967
Rent vs Own
45.1% rent · 54.9% own
Severe rent burden
12% of renters

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%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (85%)
Race & ethnicity
Hispanic / Latino 85% Two or more races 45% White 10% Asian 4%
Hispanic origin (detail)
Mexican 77% Puerto Rican 1%
Common ancestry
Lithuanian 1% Italian 1% Romanian 1%
Foreign-born
19% · Canada
Languages at home
32% English-only · Spanish 64% Tagalog/Filipino 2% Other Asian/Pacific 1%

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

Price history

+6249.2% since first listed
5 events — show timeline
  • 2026-06-10 Listed $100,000 MCALLENMLS
  • 2026-01-28 Listed $211,000 MCALLENMLS
  • 2025-10-14 Listed $211,000 MCALLENMLS
  • 2025-10-11 Rental Removed $1,575 RENTEC
  • 2025-09-13 Listed for Rent $1,575 RENTEC

Property tax history

+3.1%/yr

Latest (2025): $4,941 · +3.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…