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1005 N Stewart Rd #71
C Composite 55.43
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 +22.5/30.0
  • 1% rule +7.5/10.0
  • DSCR +7.5/10.0
  • ARV discount +7.5/15.0
  • Livability +3.8/5.0
  • Condition / age +3.8/5.0
  • Rent growth +2.7/5.0
  • Appreciation +2.5/10.0
  • Schools +2.5/10.0
  • Manufactured-home adj. -4.8

$30,000

1005 N Stewart Rd #71 · Mission, TX 78572
2 bd · 2.0 ba · 928 sqft · Manufactured · 92 Days on market
Manufactured home 55+ age-restricted Built 2023 Good condition Garage $32/sqft · 66% below area ↓ 9% since listing

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

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 LAYOUTUPDATED FLOORINGCOVERED PATIO2-CAR CARPORTA/C UNITWALK-IN CLOSET

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 manufactured listed at $30k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $455 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($839 rent vs $30k).
  • Recommended offer: $27k (9.0% below list) — sets the bar for market timing.
  • Cap rate 24.5% 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-.
  • 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; 981 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% 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 $207 of loan paydown is wiped out by about $900 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 $8k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 92 days — a 9% lower offer ($27k) 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 $27,300 (9.0% below list)

Questions for the listing agent

  1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% 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. 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.
  5. 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.
  6. 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
2.80%
Cap rate
24.51%
Cash-on-cash
65.07%
DSCR
3.90
GRM
3.0

CMA / ARV

ARV (median comp)
$87,450
List price
$30,000
Delta
-65.69%
Verdict
UNDERPRICED
Comps
6 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%) 7mo $75,000 $88 71
1304 Breezy Dr 0.27mi 2/2.0 952 (+3%) 16mo $89,900 $94 69
1400 Tropical Cir 0.31mi 2/1.5 910 (-2%) 15mo $57,000 $63 68
1301 Breezy Dr 0.26mi 2/1.0 832 (-10%) 4mo $99,900 $120 63
708 Showers Dr #122 0.26mi 2/1.5 840 (-10%) 9mo $49,900 $59 62
510 Santa Cruz Dr 0.48mi 2/2.0 900 (-3%) 12mo $160,000 $178 62
802 Showers Dr 0.19mi 2/1.5 1,024 (+10%) 14mo $77,000 $75 60
415 Saturn St 0.45mi 2/2.0 896 (-3%) 19mo $79,000 $88 58
502 Sagittarius St 0.42mi 2/2.0 1,064 (+15%) 5mo $110,000 $103 52

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
61.9%
Equity multiple
3.67×
Total profit
$22,448
Equity at exit
$4,473
10-year hold
IRR
65.7%
Equity multiple
6.98×
Total profit
$50,212
Equity at exit
$2,594

Cash invested: $8,400 (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
5 active · 2 under contract
Months of supply
15.0 mo (7%/mo absorbed)
Median asking
$105,000 ($109/sqft)
Median days on market
107 d
This list price
lowest-priced of the active set
ARV vs active asking
-13.8% vs current asking $/sqft

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

ZIP-level market 78572

Home prices YoY
-22.9%
Rents YoY
0.9%
Active inventory
981
Price-to-rent
3.0×

Monthly cashflow live

Estimated rent
$839 high interval (Pro) →
Mortgage (P&I)
$157
Tax est. 1.5%
$38 /mo · $450/yr
Insurance
$12
HOA
$0
Lot rent leased land?
$0
Vacancy / Maint / Mgmt
$176
Net cashflow
$455

Break-even live

Break-even rent $262
Max offer price $30,000
Occupancy floor 41%

Sensitivity live

Price -10% $476 -5% $466 +0% $455 +5% $445 +10% $435
Rent -10% $389 -5% $422 +0% $455 +5% $489 +10% $522
Rate -1.0pp $471 -0.5pp $463 base $455 +0.5pp $448 +1.0pp $440

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
$7,500
Closing costs
$900
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 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
614 San Antonio Ave Apt 7 Mission, TX 2.0 2.0 900 $875 $0.97 15d 1 0.49mi
513 San Antonio Ave Apt 8 Mission, TX 1.0 1.5 971 $975 $1.00 93d 1 0.49mi
606 San Antonio Ave Unit 1 Mission, TX 2.0 2.0 900 $850 $0.94 72d 1 0.50mi
606 San Antonio Ave Unit 606-4 Mission, TX 2.0 1.0 900 $850 $0.94 93d 1 0.51mi
606 San Antonio Ave Unit 4 Mission, TX 2.0 2.0 900 $895 $0.99 70d 1 0.51mi
600 San Antonio Ave Unit 7 Mission, TX 2.0 2.0 900 $875 $0.97 15d 1 0.52mi
600 San Antonio Ave Unit 7 Mission, TX 2.0 2.0 900 $880 $0.98 93d 1 0.52mi
1106 Ursula St Unit 2 Mission, TX 2.0 2.0 980 $1,000 $1.02 15d 1 0.68mi
103 Yosemite Mission, TX 3.0 2.0 1116 $1,375 $1.23 15d 1 0.70mi
103 Yosemite Dr Unit 2 Mission, TX 3.0 2.0 1116 $1,375 $1.23 93d 1 0.70mi
107 San Jose Dr Apt 3 Mission, TX 2.0 2.0 890 $1,150 $1.29 15d 1 0.70mi
102 Yosemite Mission, TX 3.0 2.0 1116 $1,325 $1.19 15d 1 0.72mi
1006 Fairway Dr Mission, TX 2.0 2.0 1072 $1,100 $1.03 93d 1 0.76mi
800 Ragland Rd Unit 4 Mission, TX 1.0 1.0 651 $925 $1.42 15d 1 0.83mi
800 Ragland Rd Unit 10 Mission, TX 3.0 2.0 1053 $1,325 $1.26 93d 1 0.83mi
800 Ragland Rd Unit 9 Mission, TX 2.0 2.0 913 $1,150 $1.26 93d 1 0.83mi
806 Ragland Rd Unit 6 Mission, TX 1.0 1.0 651 $925 $1.42 15d 1 0.83mi
720 Ragland Rd #6 Mission, TX 1.0 1.0 651 $925 $1.42 93d 1 0.84mi
720 Ragland Rd #8 Mission, TX 3.0 2.0 1053 $1,300 $1.23 72d 1 0.84mi
716 Ragland Rd #3 Mission, TX 1.0 1.0 651 $925 $1.42 93d 1 0.84mi
106 S Bryan Rd Unit 13 Mission, TX 2.0 1.0 720 $725 $1.01 93d 1 0.84mi
2105 Selena St Mission, TX 3.0 2.0 1100 $1,500 $1.36 63d 1 0.85mi
1901 N Glasscock Rd Unit 17-A Mission, TX 3.0 2.0 924 $950 $1.03 93d 1 0.92mi
1901 N Glasscock Rd Unit 20 Mission, TX 3.0 2.0 552 $950 $1.72 15d 1 0.92mi
1901 N Glasscock Rd Lot 61 Mission, TX 3.0 2.0 960 $526 $0.55 68d 1 0.92mi
2113 Amy St Mission, TX 2.0 2.0 784 $875 $1.12 72d 1 0.93mi
2002 E 1st St Mission, TX 3.0 2.0 1017 $1,300 $1.28 93d 1 0.96mi
1901 N Glasscock Rd Unit 150 Mission, TX 2.0 2.0 800 $850 $1.06 93d 1 0.96mi
2008 Selena St Unit 3 Mission, TX 3.0 2.0 1092 $1,450 $1.33 93d 1 0.99mi
2209 Umbel St Unit C Mission, TX 2.0 2.0 1079 $975 $0.90 15d 1 1.02mi
104 Sunflower St Unit 5 Mission, TX 3.0 2.0 950 $1,550 $1.63 63d 1 1.02mi
2311 Dora Jeanne Dr Unit A Mission, TX 2.0 2.0 975 $950 $0.97 93d 1 1.05mi
405 Cory Dr Mission, TX 2.0 1.0 832 $750 $0.90 70d 1 1.06mi
402 Cory Dr Unit B-10 Mission, TX 2.0 1.0 714 $750 $1.05 93d 1 1.06mi
1500 E 24th St Unit B-6 Mission, TX 2.0 2.0 1010 $975 $0.97 93d 1 1.06mi
2112 Cassandra St Unit 2 Mission, TX 3.0 2.0 1050 $1,395 $1.33 93d 1 1.07mi
816 Travis St Mission, TX 1.0–2.0 1.0–2.0 901 $1,095 $1.22 15d 11 1.17mi
2210 E 1st St Unit 34 Mission, TX 1.0 1.0 700 $850 $1.21 72d 1 1.20mi
900 Travis St Mission, TX 1.0–2.0 1.0–2.0 1053 $1,250 $1.19 63d 1 1.28mi
1400 N Dunlap Ave Mission, TX 2.0 1.0 1068 $800 $0.75 68d 1 1.43mi

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 associationCommunity amenities include a pool and sidewalksSenior community

Exterior

Parking
2 covered parking spaces2-car carport (counts toward covered spaces)Other garage or carport configuration
Security
Smoke detector(s)
Utilities
Sewer: otherCable availableElectric water heater
Home design
Mobile/manufactured home (located in a trailer park)Energy Star rated
Construction
Vinyl sidingShingle roofPillar/post/pier foundationBuilt area approximately 928 square feet
Exterior features
Covered patio with patio slabIn-ground poolFencing (unspecified type)Other exterior featuresPaved road access

Interior

Kitchen
Electric smooth-top rangeRefrigeratorDishwasher not listed
Bedrooms
Primary bedroom with walk-in closet
Flooring
Laminate
Bathrooms
2 full bathrooms
Heating & cooling
Central heatingCentral air conditioningHas heating and cooling
Interior features
Granite countertopsCeiling fansSplit bedroom layoutWalk-in closet(s)Mini blindsLaminate flooring
Laundry & utility
Laundry roomWasherDryerElectric water heater

Listing history 44 events

  1. 2026-07-24
    days on market $30,000 Active 92 DOM
  2. 2026-07-23
    days on market $30,000 Active 91 DOM
  3. 2026-07-22
    days on market $30,000 Active 90 DOM
  4. 2026-07-21
    pricedays on market $30,000 Active 89 DOM
  5. 2026-07-18
    days on market $45,000 Active 86 DOM
  6. 2026-07-16
    days on market $45,000 Active 84 DOM
  7. 2026-07-16
    days on market $45,000 Active 83 DOM
  8. 2026-07-14
    days on market $45,000 Active 82 DOM
  9. 2026-07-14
    days on market $45,000 Active 81 DOM
  10. 2026-07-12
    days on market $45,000 Active 80 DOM
  11. 2026-07-11
    pricedays on market $45,000 Active 79 DOM
  12. 2026-07-10
    days on market $50,000 Active 78 DOM
  13. 2026-07-09
    days on market $50,000 Active 77 DOM
  14. 2026-07-07
    days on market $50,000 Active 75 DOM
  15. 2026-07-06
    days on market $50,000 Active 74 DOM
  16. 2026-07-05
    days on market $50,000 Active 73 DOM
  17. 2026-07-04
    days on market $50,000 Active 72 DOM
  18. 2026-07-03
    days on market $50,000 Active 71 DOM
  19. 2026-07-02
    days on market $50,000 Active 70 DOM
  20. 2026-07-01
    days on market $50,000 Active 69 DOM
  21. 2026-06-30
    days on market $50,000 Active 68 DOM
  22. 2026-06-29
    days on market $50,000 Active 67 DOM
  23. 2026-06-28
    days on market $50,000 Active 66 DOM
  24. 2026-06-28
    days on market $50,000 Active 65 DOM
  25. 2026-06-27
    days on market $50,000 Active 64 DOM
  26. 2026-06-25
    days on market $50,000 Active 62 DOM
  27. 2026-06-23
    days on market $50,000 Active 60 DOM
  28. 2026-06-21
    days on market $50,000 Active 59 DOM
  29. 2026-06-18
    days on market $50,000 Active 56 DOM
  30. 2026-06-17
    days on market $50,000 Active 55 DOM
  31. 2026-06-16
    days on market $50,000 Active 54 DOM
  32. 2026-06-15
    days on market $50,000 Active 53 DOM
  33. 2026-06-14
    days on market $50,000 Active 51 DOM
  34. 2026-06-10
    days on market $50,000 Active 48 DOM
  35. 2026-06-09
    days on market $50,000 Active 47 DOM
  36. 2026-06-08
    days on market $50,000 Active 46 DOM
  37. 2026-06-07
    days on market $50,000 Active 45 DOM
  38. 2026-06-03
    days on market $50,000 Active 41 DOM
  39. 2026-06-02
    days on market $50,000 Active 40 DOM
  40. 2026-06-01
    days on market $50,000 Active 39 DOM
  41. 2026-05-31
    days on market $50,000 Active 38 DOM
  42. 2026-05-31
    days on market $50,000 Active 37 DOM
  43. 2026-05-15
    price $50,000 517-char remark
  44. 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$10,068
− Mortgage interest
−$1,680
− Property taxes
−$450
− Insurance
−$150
− Repairs & maintenance
−$805
− Management
−$805
− Depreciation
−$873
Taxable income
$5,304
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,273
After-tax cash flow
$4,193/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 $4,640–$13,920 screening

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

ⓘ 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 Bryan El F TX #3,052/4,322 Nat'l #30,133/41,679 Middle Mission J H F TX #1,445/1,662 Nat'l #11,801/14,009 High Veterans Memorial H S F TX #1,073/1,632 Nat'l #10,753/17,239

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
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

Census place
Mission, TX
County
Hidalgo County · 955,232 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
8% 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 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

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

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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