706 N Main St · Temple, TX 76501

$35,000

3 bd · 1.0 ba · 1,522 sqft · SingleFamily public records · 41 Days on market

Built 1913 5,898 sqft lot $23/sqft · 81% below area

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.8/5.0
• Rent growth +3.4/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great investment opportunity! This fixer-upper offers tons of potential for investors or buyers looking to add value. Conveniently located with easy access to shopping, restaurants, and major roadways, making it ideal for future resale or rental. With the right vision, this property can be transformed into a great home or income-producing asset. Don’t miss your chance to bring this property back to life!

Key facts

• 5,898 sq ft lot
• Built 1913
• Listed 41 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $35k.

Deal economics

• At list price, monthly cash flow is $943 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $35k).
• Recommended offer: $34k (3.0% below list) — sets the bar for market timing.
• Cap rate 38.6% vs local median 3.6% in Temple — 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 (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.4%/yr); 335 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $242 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.4% rent growth), your $10k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($34k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 76% 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 $33,950 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1913 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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?
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: 4.29% ✓
• Cap rate: 38.64%
• Cash-on-cash: 115.52%
• DSCR: 6.14
• GRM: 1.9

CMA / ARV

• ARV (median comp): $181,607
• List price: $35,000
• Delta: -80.73%
• 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
810 N 6th St	0.19mi	3/2.0	1,464 (-4%)	9mo	$120,000	$82	74
419 King Cir	0.47mi	2/1.5 (-1)	1,558 (+2%)	1mo	$130,000	$83	66
809 N Main St	0.07mi	3/2.0	1,316 (-14%)	6mo	$209,900	$159	65
606 N 1st St	0.07mi	3/2.0	1,747 (+15%)	7mo	$95,000	$54	62
606 N 13th St	0.42mi	3/2.0	1,628 (+7%)	4mo	$175,000	$107	61
817 N 8th St	0.29mi	2/1.0 (-1)	1,392 (-8%)	10mo	$135,000	$97	59
819 N 7th St	0.23mi	3/2.0	1,746 (+15%)	3mo	$153,716	$88	58
1113 W Downs Ave	0.73mi	3/2.0	1,488 (-2%)	3mo	$123,000	$83	56
902 N 9th St	0.33mi	3/2.5	1,464 (-4%)	20mo	$425,000	$290	56
1213 N Main St	0.38mi	3/2.0	1,736 (+14%)	4mo	$185,000	$107	52
619 Ellen Ct	0.62mi	3/2.5	1,588 (+4%)	10mo	$184,900	$116	50
308 N 2nd St	0.26mi	3/2.0	1,296 (-15%)	21mo	$245,000	$189	42

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 · 3.44% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 6.62×
• Total profit: $55,105
• Equity at exit: $5,219

10-year hold

• IRR: —
• Equity multiple: 14.08×
• Total profit: $128,211
• Equity at exit: $3,026

Cash invested: $9,800 (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 →

ZIP-level market 76501

• Rents YoY: 3.4%
• Active inventory: 335
• Price-to-rent: 1.9×

Monthly cashflow live

• Estimated rent: $1,500 high
• Mortgage (P&I): −$184
• Tax est. 1.5%: −$44 /mo · $525/yr
• Insurance: −$15
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $943

Break-even live

Break-even rent $306

Max offer price $35,000

Occupancy floor 32%

Sensitivity live

Price	-10% $968	-5% $956	+0% $943	+5% $931	+10% $919
Rent	-10% $825	-5% $884	+0% $943	+5% $1,003	+10% $1,062
Rate	-1.0pp $961	-0.5pp $952	base $943	+0.5pp $934	+1.0pp $925

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: $8,750
• Closing costs: $1,050
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
717 N 3rd St Temple, TX	3.0	2.0	1281	$1,695	$1.32	21d	1	0.07mi
904 N Main St Temple, TX	3.0	1.5	1228	$1,300	$1.06	24d	1	0.12mi
804 N 7th St Temple, TX	3.0	2.0	1650	$1,500	$0.91	44d	1	0.23mi
214 E Munroe Ave Temple, TX	3.0	2.0	1084	$1,200	$1.11	44d	1	0.45mi
1303 N 10th St Temple, TX	3.0	1.5	1119	$1,200	$1.07	44d	1	0.54mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	14d	1	0.78mi
1919 N 7th St Temple, TX	3.0	3.0	2000	$1,975	$0.99	44d	1	0.85mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	14d	1	0.98mi
209 S 18th St Temple, TX	3.0	2.5	1250	$1,400	$1.12	44d	1	0.98mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	24d	1	0.98mi
101 W Victory Ave Temple, TX	4.0	2.0	1368	$1,550	$1.13	24d	1	1.01mi
104 S 22nd St Unit B Temple, TX	3.0	2.5	1300	$1,435	$1.10	44d	1	1.01mi
505 S 16th St Temple, TX	3.0	2.0	1090	$1,070	$0.98	14d	1	1.04mi
503 E Union Temple, TX	3.0	2.0	1131	$1,395	$1.23	44d	1	1.04mi
509 S 16th St Temple, TX	3.0	2.0	1090	$1,065	$0.98	14d	1	1.04mi
917 Crockett Ct Temple, TX	3.0	2.0	1917	$1,550	$0.81	14d	1	1.05mi
501 Henderson St Temple, TX	4.0	2.0	1223	$1,050	$0.86	14d	1	1.06mi
503 Henderson St Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	1.07mi
607 E Union Temple, TX	3.0	2.0	1099	$1,325	$1.21	14d	1	1.07mi
2305 N 15th St Temple, TX	3.0	2.0	2122	$2,000	$0.94	44d	1	1.10mi
518 S Knob St Unit B Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	1.13mi
105 E Xavier Ave Temple, TX	3.0	2.0	1318	$1,395	$1.06	14d	1	1.13mi
703 S 16th St Temple, TX	3.0	2.0	1090	$1,035	$0.95	14d	1	1.15mi
2408 N 15th St Temple, TX	3.0	2.0	1832	$1,650	$0.90	14d	1	1.17mi
708 Henderson St Temple, TX	3.0	2.0	1090	$1,025	$0.94	14d	1	1.17mi
512 E Walker Ave Temple, TX	4.0	2.0	1300	$1,345	$1.03	14d	1	1.18mi
420 S 27th St Temple, TX	2.0	2.0	1200	$1,395	$1.16	14d	1	1.23mi
1002 S 2nd St Temple, TX	3.0	1.0	1064	$1,325	$1.25	21d	1	1.24mi
412 E Young Ave Unit B Temple, TX	3.0	2.0	1193	$1,150	$0.96	44d	1	1.26mi
507 E Zenith Ave Unit A Temple, TX	3.0	2.0	1100	$1,050	$0.95	14d	1	1.30mi
720 Frank Weise Blvd Unit A Temple, TX	3.0	2.0	1400	$1,600	$1.14	14d	1	1.30mi
1101 S 3rd St Temple, TX	3.0	1.0	1404	$1,200	$0.85	24d	1	1.31mi
2618 Goliad St Temple, TX	3.0	1.5	1228	$1,450	$1.18	21d	1	1.36mi
2618 Goliad St Temple, TX	3.0	1.5	1228	$1,450	$1.18	14d	1	1.36mi
1020 S 12th St Unit 12th St unit 1020 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	44d	1	1.37mi
612 S 26th St Temple, TX	3.0	2.0	1237	$1,195	$0.97	44d	1	1.37mi
903 S 18th St Temple, TX	3.0	2.0	1144	$1,295	$1.13	14d	1	1.41mi
1110 N 42nd St Temple, TX	3.0	2.0	1935	$1,600	$0.83	14d	1	1.43mi
708 S 28th St Unit 28th St unit 708 A Temple, TX	3.0	2.5	1355	$1,435	$1.06	44d	1	1.46mi
805 S 24th St Temple, TX	3.0	2.0	1233	$1,245	$1.01	44d	1	1.46mi

Listing history 3 events

1. 2026-05-30
   status $35,000 Pending 41 DOM
2. 2026-04-19
   listed $35,000 Active 413-char remark

   Show marketing remark (413 chars)

   Great investment opportunity! This fixer-upper offers tons of potential for investors or buyers looking to add value. Conveniently located with easy access to shopping, restaurants, and major roadways, making it ideal for future resale or rental. With the right vision, this property can be transformed into a great home or income-producing asset. Don’t miss your chance to bring this property back to life!

3. 1983-05-25
   soldstatus

ⓘ 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 X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% 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: $18,005
• − Mortgage interest: −$1,961
• − Property taxes: −$525
• − Insurance: −$175
• − Repairs & maintenance: −$1,440
• − Management: −$1,440
• − Depreciation: −$1,018
• Taxable income: $11,445
• Est. tax owed @ 24.0%: −$2,747
• After-tax cash flow: $8,574/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.

Schools (NCES district)

• District: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 17,752
• Household income: $62,532
• Rent vs Own: 36.1% rent · 63.9% own
• Severe rent burden: 466.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 42% Hispanic / Latino 36% Two or more races 18% Black 17% Native American 2%
• Hispanic origin (detail): Mexican 31% Puerto Rican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 79% English-only · Spanish 20%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -113.09%
• Current HPI: 177.0555
• Rent YoY: ▲ 3.44%
• Metro: Killeen-Temple, 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

Price history

2 events — show timeline

• 2026-04-19 Listed $35,000 CTXMLS
• 1983-05-25 Sold (Public Records) — Public Records

Property tax history

+7.1%/yr

Latest (2025): $2,825 · -12.5% YoY. Source: county tax records.