1703 Bahia Magdalena Dr · Edinburg, TX 78542

$120,000

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 147 Days on market

Built 2023 Good condition 6,530 sqft lot $119/sqft · 16% below area Est $142k · 16% under

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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 +22.2/30.0
• ARV discount +14.6/15.0
• DSCR +7.1/10.0
• 1% rule +5.9/10.0
• Condition / age +3.8/5.0
• Livability +3.2/5.0
• Schools +2.5/10.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

home featuring an open-concept design with bright living and dining areas that offer both comfort and efficiency. The kitchen flows seamlessly into the main living space, ideal for daily living or hosting. The primary suite includes a private bath, while additional bedrooms provide flexibility for growing families, multigenerational living, or rental use. With modern finishes, low-maintenance outdoor space, and a functional floor plan, this property presents a strong opportunity for investor families looking to hold, rent, or resell while also appealing to owner-occupants seeking a practical, move-in ready home. Conveniently located near schools, shopping, and major roadways. Easy to show.

Key facts

• Open-concept design
• Private bath
• 6,530 sq ft lot

Tags

• OPEN-CONCEPT DESIGN
• BRIGHT LIVING AND DINING AREAS
• PRIVATE BATH
• LOW-MAINTENANCE OUTDOOR SPACE
• FUNCTIONAL FLOOR PLAN

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $194 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 3.0% 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: Lincoln El (math 27% / reading 32%, grade F, #2,525 of 4,322 statewide, top 62%, 410 students, 94% FRL); Memorial Middle (math 14% / reading 34%, grade F, #1,301 of 1,662 statewide, top 79%, 1,065 students, 91% FRL); Economedes H S (math 19% / reading 24%, grade F, #1,377 of 1,632 statewide, top 85%, 2,762 students, 92% FRL) — zoned schools average 92% FRL vs 62% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-1.1%/yr); 1221 active listings in the ZIP; 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 $830 of loan paydown is wiped out by about $4k 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 147 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 147 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.09% ✓
• Cap rate: 8.24%
• Cash-on-cash: 6.95%
• DSCR: 1.31
• GRM: 7.6

CMA / ARV

• ARV (median comp): $142,436
• List price: $120,000
• Delta: -15.75%
• Verdict: UNDERPRICED
• Comps: 16 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1606 Baja Dr	0.16mi	3/2.0	916 (-9%)	3mo	$169,000	$184	71
1603 Villa Fontana Dr	0.19mi	3/2.0	1,177 (+17%)	9mo	$185,000	$157	55
503 Amalia Ave	0.93mi	3/2.0	984 (-2%)	4mo	$135,000	$137	54
714 Zenon Moya St	0.74mi	3/1.0	1,025 (+2%)	15mo	$165,000	$161	50
2612 La Paz St	0.74mi	3/2.0	1,152 (+14%)	1mo	$139,999	$122	37
413 Amalia Ave	0.96mi	2/2.0 (-1)	1,040 (+3%)	22mo	$150,000	$144	32

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: -9.1%
• Equity multiple: 0.68×
• Total profit: $-10,873
• Equity at exit: $17,892

10-year hold

• IRR: -4.3%
• Equity multiple: 0.75×
• Total profit: $-8,257
• Equity at exit: $10,375

Cash invested: $33,600 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 3 active
• Months of supply: 6.0 mo (17%/mo absorbed)
• Median asking: $172,000 ($154/sqft)
• Median days on market: 22 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -8.0% vs current asking $/sqft

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

ZIP-level market 78542

• Home prices YoY: -13.4%
• Rents YoY: -1.1%
• Active inventory: 1221
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,311 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$162 /mo · $1,945/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $194

Break-even live

Break-even rent $1,065

Max offer price $120,000

Occupancy floor 80%

Sensitivity live

Price	-10% $262	-5% $228	+0% $194	+5% $161	+10% $127
Rent	-10% $91	-5% $143	+0% $194	+5% $246	+10% $298
Rate	-1.0pp $255	-0.5pp $225	base $194	+0.5pp $163	+1.0pp $132

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: $30,000
• Closing costs: $3,600
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-07-06
   days on market $120,000 Active 147 DOM
2. 2026-07-05
   days on market $120,000 Active 146 DOM
3. 2026-07-04
   days on market $120,000 Active 145 DOM
4. 2026-07-03
   days on market $120,000 Active 144 DOM
5. 2026-07-02
   days on market $120,000 Active 143 DOM
6. 2026-07-01
   days on market $120,000 Active 142 DOM
7. 2026-06-30
   days on market $120,000 Active 141 DOM
8. 2026-06-29
   days on market $120,000 Active 140 DOM
9. 2026-06-28
   days on market $120,000 Active 139 DOM
10. 2026-06-28
    days on market $120,000 Active 138 DOM
11. 2026-06-27
    days on market $120,000 Active 137 DOM
12. 2026-06-23
    days on market $120,000 Active 133 DOM
13. 2026-06-21
    days on market $120,000 Active 132 DOM
14. 2026-06-18
    days on market $120,000 Active 129 DOM
15. 2026-06-17
    days on market $120,000 Active 128 DOM
16. 2026-06-16
    days on market $120,000 Active 127 DOM
17. 2026-06-15
    days on market $120,000 Active 126 DOM
18. 2026-06-14
    days on market $120,000 Active 124 DOM
19. 2026-06-13
    days on market $120,000 Active 123 DOM
20. 2026-06-10
    days on market $120,000 Active 121 DOM
21. 2026-06-09
    days on market $120,000 Active 120 DOM
22. 2026-06-08
    days on market $120,000 Active 119 DOM
23. 2026-06-07
    pricedays on market $120,000 Active 118 DOM
24. 2026-06-03
    days on market $129,999 Active 114 DOM
25. 2026-06-02
    pricedays on market $129,999 Active 113 DOM
26. 2026-06-01
    days on market $130,000 Active 112 DOM
27. 2026-05-31
    days on market $130,000 Active 111 DOM
28. 2026-05-31
    days on market $130,000 Active 110 DOM
29. 2026-02-06
    listed $130,000 Active 698-char remark

    Show marketing remark (698 chars)

    home featuring an open-concept design with bright living and dining areas that offer both comfort and efficiency. The kitchen flows seamlessly into the main living space, ideal for daily living or hosting. The primary suite includes a private bath, while additional bedrooms provide flexibility for growing families, multigenerational living, or rental use. With modern finishes, low-maintenance outdoor space, and a functional floor plan, this property presents a strong opportunity for investor families looking to hold, rent, or resell while also appealing to owner-occupants seeking a practical, move-in ready home. Conveniently located near schools, shopping, and major roadways. Easy to show.

ⓘ 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: $1,945 · $162/mo
• Projected year-2 tax: $2,196 · $183/mo
• Expected delta: +$251/yr (+$21/mo · 12.9%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate 22% chance over 30 yrs
• 🔥 Wildfire 9/10 Extreme
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 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: $15,735
• − Mortgage interest: −$6,722
• − Property taxes: −$1,945
• − Insurance: −$600
• − Repairs & maintenance: −$1,259
• − Management: −$1,259
• − Depreciation: −$3,491
• Taxable income: $459
• Est. tax owed @ 24.0%: −$110
• After-tax cash flow: $2,224/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 75/100 Cosmetic rehab Est. rehab $5,040–$15,120 screening

This single-family home is in good condition with a modern kitchen and bathroom. It has a good roof and exterior siding, and the interior walls and flooring are in good condition. The property is located near schools, shopping, and major roadways, making it a strong opportunity for investors.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and property value. ↑
• Both Landscaping improvements — Improves curb appeal and enhances property value. ↑
• Both Add outdoor lighting — Enhances safety and curb appeal. ↑
• Both Install a front door — Improves curb appeal and security. ↑
• Both Add a front porch — Enhances curb appeal and provides a welcoming entrance. ↑

ⓘ 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 25/100

Zoned Schools

Elementary Lincoln El F TX #2,525/4,322 Nat'l #26,716/41,679 Middle Memorial Middle F TX #1,301/1,662 Nat'l #10,795/14,009 High Economedes H S F TX #1,377/1,632 Nat'l #13,899/17,239

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

• County: Hidalgo County · 955,232 people
• City population: 178,279
• Metro: McAllen-Edinburg-Mission, TX
• Population (ZIP): 89,401
• Household income: $55,243
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 8% 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 (95%)
• Race & ethnicity: Hispanic / Latino 95% Two or more races 59% White 4%
• Hispanic origin (detail): Mexican 91%
• Foreign-born: 25% · Canada
• Languages at home: 15% English-only · Spanish 84%

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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: ▼ -34.17%
• Current HPI: 220.921
• Rent YoY: ▼ -1.07%
• Metro: McAllen-Edinburg-Mission, 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

1 event — show timeline

• 2026-02-06 Listed $130,000 MCALLENMLS

Property tax history

+53.3%/yr

Latest (2025): $1,945 · +19.2% YoY. Source: county tax records.