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8215 Copa De Oro St
B- Composite 68.54
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 +27.5/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.7/10.0
  • 1% rule +6.8/10.0
  • Livability +2.6/5.0
  • Condition / age +2.5/5.0
  • Rent growth +2.2/5.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$89,900

8215 Copa De Oro St · Doolittle, TX 78542
2 bd · 1.0 ba · 924 sqft · Manufactured public records · 471 Days on market
Built 1980 5,001 sqft lot $97/sqft · 48% below area Est $173k · 48% under ↓ 18% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

Key facts

  • Four mini-splits
  • Unfinished bathroom
  • Three-car carport

Tags

FOUR MINI-SPLITSTHREE-CAR CARPORTUNFINISHED BATHROOMOPEN LAYOUT

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath manufactured listed at $90k.

Deal economics

  • At list price, monthly cash flow is $267 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $90k).
  • Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
  • Cap rate 9.9% vs local median 4.4% in Doolittle — 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 52/100 on livability (#1,460 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities 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.
  • Market conditions: Rents soft (-1.1%/yr); 1003 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 $622 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 471 days — a 12% lower offer ($79k) 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 $79,112 (12.0% below list)

Questions for the listing agent

  1. It's been on market 471 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 F-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. Crime grade is F 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?
  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
1.18%
Cap rate
9.85%
Cash-on-cash
12.71%
DSCR
1.57
GRM
7.1

CMA / ARV

ARV (median comp)
$172,758
List price
$89,900
Delta
-47.96%
Verdict
UNDERPRICED
Comps
17 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-0.8%
Equity multiple
0.97×
Total profit
$-699
Equity at exit
$13,404
10-year hold
IRR
5.7%
Equity multiple
1.37×
Total profit
$9,216
Equity at exit
$7,773

Cash invested: $25,172 (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.

ZIP-level market 78542

Home prices YoY
-13.4%
Rents YoY
-1.1%
Active inventory
1003
Price-to-rent
7.1×

Monthly cashflow live

Estimated rent
$1,058 medium interval (Pro) →
Mortgage (P&I)
$471
Tax from tax record
$60 /mo · $723/yr
Insurance
$37
HOA
$0
Vacancy / Maint / Mgmt
$222
Net cashflow
$267

Break-even live

Break-even rent $720
Max offer price $89,900
Occupancy floor 70%

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
$22,475
Closing costs
$2,697
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 21 events

  1. 2026-06-18
    days on market $89,900 Active 471 DOM
  2. 2026-06-17
    days on market $89,900 Active 470 DOM
  3. 2026-06-16
    days on market $89,900 Active 469 DOM
  4. 2026-06-15
    days on market $89,900 Active 468 DOM
  5. 2026-06-14
    days on market $89,900 Active 466 DOM
  6. 2026-06-13
    days on market $89,900 Active 465 DOM
  7. 2026-06-10
    days on market $89,900 Active 463 DOM
  8. 2026-06-08
    days on market $89,900 Active 461 DOM
  9. 2026-06-07
    days on market $89,900 Active 460 DOM
  10. 2026-06-03
    days on market $89,900 Active 456 DOM
  11. 2026-06-02
    days on market $89,900 Active 455 DOM
  12. 2026-06-01
    days on market $89,900 Active 454 DOM
  13. 2026-05-31
    days on market $89,900 Active 453 DOM
  14. 2026-05-31
    days on market $89,900 Active 452 DOM
  15. 2026-02-02
    price $89,900 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  16. 2025-12-17
    price $79,900 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  17. 2025-07-14
    price $90,000 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  18. 2025-06-06
    price $99,500 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  19. 2025-04-21
    price $105,000 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  20. 2025-03-04
    listed $110,000 Active 874-char remark
    Show marketing remark (874 chars)

    Nestled on the north side of Edinburg, this charming 3-bedroom, 2-bath mobile home offers privacy and security with a sturdy cement and metal frame gate. With Milo Ponce Park as your backyard neighbor, you’ll enjoy a peaceful setting with no rear neighbors! Inside, the home features upgrade finishes, especially in the kitchen, and comes equipped with four mini-splits for year-round comfort. A spacious three-car carport provides ample parking, while an unfinished bathroom offers the perfect opportunity to add your personal touch. The open layout creates a welcoming atmosphere, perfect for gatherings. While the home could use a little TLC, it’s nothing major—just a chance to make it truly yours! With its great location, ample space, and endless potential, this property won’t last long. Don’t miss out—schedule your showing today!

  21. 2025-01-22
    soldstatus

ⓘ 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
$723 · $60/mo
Projected year-2 tax
$1,645 · $137/mo
Expected delta
+$922/yr (+$77/mo · 127.6%)

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

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X · 0% chance over 30 yrs
  • 🔥 Wildfire 8/10 Severe
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$12,696
− Mortgage interest
−$5,036
− Property taxes
−$723
− Insurance
−$450
− Repairs & maintenance
−$1,016
− Management
−$1,016
− Depreciation
−$2,615
Taxable income
$1,841
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$442
After-tax cash flow
$2,758/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
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

Livability — Doolittle

Score
52/100
State rank
#1460
US rank
#24819

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Doolittle, TX
County
Hidalgo County · 623,128 people
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
1240.0

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 (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%

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

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-18.3% since first listed
7 events — show timeline
  • 2026-02-02 Price Changed $89,900 MCALLENMLS
  • 2025-12-17 Price Changed $79,900 MCALLENMLS
  • 2025-07-14 Price Changed $90,000 MCALLENMLS
  • 2025-06-06 Price Changed $99,500 MCALLENMLS
  • 2025-04-21 Price Changed $105,000 MCALLENMLS
  • 2025-03-04 Listed $110,000 MCALLENMLS
  • 2025-01-22 Sold (Public Records) Public Records

Property tax history

+4.8%/yr

Latest (2025): $723 · -3.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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