1005 N Stewart Rd #71 · Mission, TX 78572

$50,000

2 bd · 2.0 ba · 928 sqft · Manufactured · 56 Days on market

Built 2023 Good condition $54/sqft · 33% below area Est $75k · 33% under ↓ 9% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.8/5.0
• Condition / age +3.8/5.0
• Rent growth +2.7/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Lot 71. Spacious manufactured home situated on a desirable mobile park! This well-maintained home features an open layout, updated flooring, and a generously sized living area. The kitchen includes refrigerator, stove, and microwave ). Enjoy outdoor living with a covered patio complete with patio set. Additional highlights include a 2-car carport, A/C unit, walk-in closet, and washer & dryer included. Located in an 55+ community (buyer to verify lot rent and park requirements). Schedule your showing today!

Key facts

• 2-car carport
• A/c unit
• Walk-in closet

Tags

• OPEN LAYOUT
• UPDATED FLOORING
• COVERED PATIO
• 2-CAR CARPORT
• A/C UNIT
• WALK-IN CLOSET

Property features AI

Finance

• Other: Located in a space within Tradewinds Trailer Park (space 71); Living area source: HidalgoCAD
• Financial info: Escrow information not applicable
• HOA & community: No homeowners association; Community amenities include a pool and sidewalks; Senior community

Exterior

• Parking: 2 covered parking spaces; 2-car carport (counts toward covered spaces); Other garage or carport configuration
• Security: Smoke detector(s)
• Utilities: Sewer: other; Cable available; Electric water heater
• Home design: Mobile/manufactured home (located in a trailer park); Energy Star rated
• Construction: Vinyl siding; Shingle roof; Pillar/post/pier foundation; Built area approximately 928 square feet
• Exterior features: Covered patio with patio slab; In-ground pool; Fencing (unspecified type); Other exterior features; Paved road access

Interior

• Kitchen: Electric smooth-top range; Refrigerator; Dishwasher not listed
• Bedrooms: Primary bedroom with walk-in closet
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning; Has heating and cooling
• Interior features: Granite countertops; Ceiling fans; Split bedroom layout; Walk-in closet(s); Mini blinds; Laminate flooring
• Laundry & utility: Laundry room; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $50k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $515 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $48k (3.0% below list) — sets the bar for market timing.
• Cap rate 18.7% vs local median 3.5% 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-.
• Mission CISD (urban): math 15% / reading 28% proficiency, ranked #775 of 826 in TX (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bryan El (math 17% / reading 32%, grade F, #3,052 of 4,322 statewide, top 74%, 651 students, 71% FRL); Mission J H (math 13% / reading 26%, grade F, #1,445 of 1,662 statewide, top 88%, 680 students, 78% FRL); Veterans Memorial H S (math 19% / reading 44%, grade F, #1,073 of 1,632 statewide, top 66%, 1,932 students, 81% FRL) — zoned schools at 77% FRL track the district average.
• Market conditions: Rents flat; 852 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 66% 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 $346 of loan paydown is wiped out by about $2k 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 + 0.9% rent growth), your $14k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($48k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 94% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $48,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 2.18% ✓
• Cap rate: 18.66%
• Cash-on-cash: 44.17%
• DSCR: 2.97
• GRM: 3.8

CMA / ARV

• ARV (median comp): $75,163
• List price: $50,000
• Delta: -33.48%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1510 E Business 83 Unit F22	0.17mi	2/1.5	854 (-8%)	6mo	$75,000	$88	72
1304 Breezy Dr	0.27mi	2/2.0	952 (+3%)	15mo	$89,900	$94	71
1400 Tropical Cir	0.31mi	2/1.5	910 (-2%)	13mo	$57,000	$63	69
1301 Breezy Dr	0.26mi	2/1.0	832 (-10%)	3mo	$99,900	$120	64
708 Showers Dr #122	0.26mi	2/1.5	840 (-10%)	8mo	$49,900	$59	64
510 Santa Cruz Dr	0.48mi	2/2.0	900 (-3%)	10mo	$160,000	$178	64
802 Showers Dr	0.19mi	2/1.5	1,024 (+10%)	12mo	$77,000	$75	62
415 Saturn St	0.45mi	2/2.0	896 (-3%)	17mo	$79,000	$88	59
502 Sagittarius St	0.42mi	2/2.0	1,064 (+15%)	4mo	$110,000	$103	53

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 · 0.93% rent growth · sell at horizon

5-year hold

• IRR: 38.8%
• Equity multiple: 2.61×
• Total profit: $22,509
• Equity at exit: $7,455

10-year hold

• IRR: 44.2%
• Equity multiple: 4.80×
• Total profit: $53,173
• Equity at exit: $4,323

Cash invested: $14,000 (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 →

ZIP-level market 78572

• Home prices YoY: -22.9%
• Rents YoY: 0.9%
• Active inventory: 852
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $1,090 high
• Mortgage (P&I): −$262
• Tax est. 1.5%: −$62 /mo · $750/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $515

Break-even live

Break-even rent $437

Max offer price $50,000

Occupancy floor 48%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
513 San Antonio Ave Apt 8 Mission, TX	1.0	1.5	971	$975	$1.00	43d	1	0.49mi
606 San Antonio Ave Unit 1 Mission, TX	2.0	2.0	900	$850	$0.94	23d	1	0.50mi
606 San Antonio Ave Unit 606-4 Mission, TX	2.0	1.0	900	$850	$0.94	43d	1	0.51mi
606 San Antonio Ave Unit 4 Mission, TX	2.0	2.0	900	$895	$0.99	21d	1	0.51mi
600 San Antonio Ave Unit 7 Mission, TX	2.0	2.0	900	$880	$0.98	43d	1	0.52mi
103 Yosemite Dr Unit 2 Mission, TX	3.0	2.0	1116	$1,375	$1.23	43d	1	0.70mi
1006 Fairway Dr Mission, TX	2.0	2.0	1072	$1,100	$1.03	43d	1	0.76mi
806 Ragland Rd Unit 1 Mission, TX	1.0	1.0	651	$925	$1.42	43d	1	0.83mi
800 Ragland Rd Unit 10 Mission, TX	3.0	2.0	1053	$1,325	$1.26	43d	1	0.83mi
800 Ragland Rd Unit 5 Mission, TX	1.0	1.0	651	$925	$1.42	43d	1	0.83mi
800 Ragland Rd Unit 9 Mission, TX	2.0	2.0	913	$1,150	$1.26	43d	1	0.83mi
720 Ragland Rd #8 Mission, TX	3.0	2.0	1053	$1,300	$1.23	23d	1	0.84mi
720 Ragland Rd #6 Mission, TX	1.0	1.0	651	$925	$1.42	43d	1	0.84mi
716 Ragland Rd #3 Mission, TX	1.0	1.0	651	$925	$1.42	43d	1	0.84mi
106 S Bryan Rd Unit 13 Mission, TX	2.0	1.0	720	$725	$1.01	43d	1	0.84mi
2105 Selena St Mission, TX	3.0	2.0	1100	$1,500	$1.36	14d	1	0.85mi
1901 N Glasscock Rd Unit 17-A Mission, TX	3.0	2.0	924	$950	$1.03	43d	1	0.92mi
1901 N Glasscock Rd Lot 61 Mission, TX	3.0	2.0	960	$526	$0.55	19d	1	0.92mi
2113 Amy St Mission, TX	2.0	2.0	784	$875	$1.12	23d	1	0.93mi
2002 E 1st St Mission, TX	3.0	2.0	1017	$1,300	$1.28	43d	1	0.96mi
1901 N Glasscock Rd Unit 150 Mission, TX	2.0	2.0	800	$850	$1.06	43d	1	0.96mi
2008 Selena St Unit 3 Mission, TX	3.0	2.0	1092	$1,450	$1.33	43d	1	0.99mi
104 Sunflower St Unit 5 Mission, TX	3.0	2.0	950	$1,550	$1.63	14d	1	1.02mi
2311 Dora Jeanne Dr Unit A Mission, TX	2.0	2.0	975	$950	$0.97	43d	1	1.05mi
405 Cory Dr Mission, TX	2.0	1.0	832	$750	$0.90	21d	1	1.06mi
402 Cory Dr Unit B-10 Mission, TX	2.0	1.0	714	$750	$1.05	43d	1	1.06mi
1500 E 24th St Unit B-6 Mission, TX	2.0	2.0	1010	$975	$0.97	43d	1	1.06mi
2112 Cassandra St Unit 2 Mission, TX	3.0	2.0	1050	$1,395	$1.33	43d	1	1.07mi
816 Travis St Mission, TX	1.0–2.0	1.0–2.0	952	$1,215	$1.28	43d	12	1.17mi
2210 E 1st St Unit 34 Mission, TX	1.0	1.0	700	$850	$1.21	23d	1	1.20mi
900 Travis St Mission, TX	1.0–2.0	1.0–2.0	1053	$1,250	$1.19	14d	1	1.28mi
1400 N Dunlap Ave Mission, TX	2.0	1.0	1068	$800	$0.75	19d	1	1.43mi

Listing history 16 events

1. 2026-06-18
   days on market $50,000 Active 56 DOM
2. 2026-06-17
   days on market $50,000 Active 55 DOM
3. 2026-06-16
   days on market $50,000 Active 54 DOM
4. 2026-06-15
   days on market $50,000 Active 53 DOM
5. 2026-06-14
   days on market $50,000 Active 51 DOM
6. 2026-06-10
   days on market $50,000 Active 48 DOM
7. 2026-06-09
   days on market $50,000 Active 47 DOM
8. 2026-06-08
   days on market $50,000 Active 46 DOM
9. 2026-06-07
   days on market $50,000 Active 45 DOM
10. 2026-06-03
    days on market $50,000 Active 41 DOM
11. 2026-06-02
    days on market $50,000 Active 40 DOM
12. 2026-06-01
    days on market $50,000 Active 39 DOM
13. 2026-05-31
    days on market $50,000 Active 38 DOM
14. 2026-05-31
    days on market $50,000 Active 37 DOM
15. 2026-05-15
    price $50,000 517-char remark
16. 2026-04-23
    listed $55,000 Active 517-char remark

ⓘ 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 5/10 Major FEMA zone X · 67% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 94% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,076
• − Mortgage interest: −$2,801
• − Property taxes: −$750
• − Insurance: −$250
• − Repairs & maintenance: −$1,046
• − Management: −$1,046
• − Depreciation: −$1,455
• Taxable income: $5,728
• Est. tax owed @ 24.0%: −$1,375
• After-tax cash flow: $4,809/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

This well-maintained mobile home is in good condition with updated features and a spacious layout. Minor exterior touch-ups and landscaping improvements would further enhance its appeal.

Value-add opportunities

• Resale paint exterior — enhances curb appeal
• Both update landscaping — improves curb appeal and adds value
• Both install new outdoor lighting — enhances safety and curb appeal

Renovation cost estimate screening

Value-add ROI direction

• Resale paint exterior — enhances curb appeal ↑
• Both update landscaping — improves curb appeal and adds value ↑
• Both install new outdoor lighting — enhances safety and curb appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Mission CISD
• NCES district ID: 4831040
• Math proficiency: 15% ▼ -35.00%
• Reading proficiency: 28% ▼ -15.00%
• Median HH income: $32,855
• Composite: 17.47/100
• National rank: #9061
• State rank: #775 of 826 in TX

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

• Census place: Mission, TX
• County: Hidalgo County · 623,128 people
• City population: 78,024
• Metro: McAllen-Edinburg-Mission, TX
• Population (ZIP): 78,024
• Household income: $54,298
• Rent vs Own: 29.0% rent · 71.0% own
• Severe rent burden: 1714.0

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 47% White 12% Asian 2%
• Hispanic origin (detail): Mexican 80%
• Common ancestry: Slovak 1% Portuguese 0%
• Foreign-born: 28% · Canada, South Korea
• Languages at home: 22% English-only · Spanish 76%

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: ▼ -62.35%
• Current HPI: 209.3573
• Rent YoY: ▲ 0.93%
• Metro: McAllen-Edinburg-Mission, 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

-9.1% since first listed

2 events — show timeline

• 2026-05-15 Price Changed $50,000 MCALLENMLS
• 2026-04-23 Listed $55,000 MCALLENMLS