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4434 Point Blvd #106
D- Composite 39.4
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).

  • ARV discount +14.4/15.0
  • Cash flow +5.8/30.0
  • 1% rule +5.3/10.0
  • Condition / age +4.0/5.0
  • Livability +3.7/5.0
  • Schools +3.3/10.0
  • Rent growth +2.6/5.0
  • DSCR +0.2/10.0
  • Appreciation +0.0/10.0

$101,000

4434 Point Blvd #106 · Garland, TX 75043
1 bd · 1.0 ba · 657 sqft · Condo · 92 Days on market
Built 1983 Good condition $154/sqft · 15% below area Est $119k · 15% under $329/mo HOA · 31% of rent ↓ 4% since listing

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

Listing remarks

This property is eligible for 1.75% (Approx $1,800) Closing Cost Assistance when using the preferred lender. Call Anthony Sclafani, Listing Agent, for more information. This unit has several upgrades and is move-in ready with a recent cleaning. New Electrical Panel-2026, New Shower Unit-2026, New 40 Gallon Water Heater-2026, New Toliet-2026. The HOA covers grounds maintenance, structure maintenance (roof foundation, etc. ), pool maintenance, water and sewer utilities. Community pool available to all residents. Prime Garland location with excellent access to schools, shopping, parks, hospitals, and entertainment. Quick access to Downtown Dallas (~28 min) and Lake Ray Hubbard (~1 min).

Key facts

  • New shower unit
  • Community pool
  • New electrical panel

Tags

NEW ELECTRICAL PANELNEW SHOWER UNITNEW 40 GALLON WATER HEATERNEW TOILETCOMMUNITY POOLPRIME GARLAND LOCATION

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 1-bed/1.0-bath condo listed at $101k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-201 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $72k (28.8% below list).
  • Meets the 1% rule at list price ($1k rent vs $101k).
  • Recommended offer: $72k (28.8% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 74/100 on livability (#165 in TX, #4,447 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, cost of living A-; Watch: amenities C-, health & safety F.
  • Garland ISD (suburban): math 27% / reading 37% proficiency, ranked #553 of 826 in TX (top 67%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Daugherty El (math 22% / reading 29%, grade F, #2,982 of 4,322 statewide, top 70%, 810 students, 94% FRL); B G Hudson Middle (math 33% / reading 42%, grade F, #736 of 1,662 statewide, top 45%, 1,207 students, 50% FRL); Sachse H S (math 46% / reading 53%, grade D, #509 of 1,632 statewide, top 34%, 2,997 students, 43% FRL).
  • Market conditions: Rents flat; 486 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 12,577 units permitted in Dallas County in 2024 (6,829 in 5+ unit buildings).
  • This rent is only 16% of the median local income ($77k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $698 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Dallas County population projected at +35% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 92 days — a 9% lower offer ($92k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: HOA is 31% of rent.
  • Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $71,890 (28.8% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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?
  9. 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.
  10. 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.
  11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.03%
Cap rate
3.90%
Cash-on-cash
-8.54%
DSCR
0.62
GRM
8.1

CMA / ARV

ARV (median comp)
$119,346
List price
$101,000
Delta
-15.37%
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
4422 Point Blvd #112 0.04mi 1/1.0 657 (0%) 8mo $109,900 $167 91
4448 Chaha Rd #206 0.24mi 1/1.0 670 (+2%) 2mo $125,000 $187 84
4468 Chaha Rd #101 0.21mi 1/1.0 670 (+2%) 8mo $100,000 $149 80
5801 Marvin Loving Dr #312 0.18mi 1/1.0 669 (+2%) 10mo $94,800 $142 80
4610 Chaha Rd #101 0.33mi 1/1.0 626 (-5%) 4mo $135,000 $216 74
4610 Chaha Rd #106 0.33mi 1/1.0 626 (-5%) 4mo $135,000 $216 73
5825 Marvin Loving Dr #204 0.14mi 1/1.0 731 (+11%) 2mo $105,000 $144 73
1513 E Interstate 30 #232 0.20mi 1/1.0 605 (-8%) 8mo $115,000 $190 71
5913 Lake Hubbard Pkwy #124 0.19mi 1/1.0 755 (+15%) 10mo $137,000 $181 58
4540 Chaha Rd #202 0.27mi 2/1.0 (+1) 811 (+23%) 3mo $136,000 $168 55
5636 Marina Dr #23 0.45mi 1/1.0 510 (-22%) 1mo $70,000 $137 53
1513 Interstate 30 #126 0.20mi 2/1.0 (+1) 778 (+18%) 9mo $115,000 $148 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 · 0.47% rent growth · sell at horizon

5-year hold
IRR
-35.8%
Equity multiple
-0.12×
Total profit
$-31,556
Equity at exit
$15,059
10-year hold
IRR
-80.7%
Equity multiple
-0.88×
Total profit
$-53,216
Equity at exit
$8,733

Cash invested: $28,280 (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.

Active competition Active MLS

For sale now
0 active · 2 under contract

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

ZIP-level market 75043

Home prices YoY
-33.4%
Rents YoY
0.5%
Active inventory
486
Price-to-rent
8.1×

Monthly cashflow live

Estimated rent
$1,045 high interval (Pro) →
Mortgage (P&I)
$530
Tax est. 1.5%
$126 /mo · $1,515/yr
Insurance
$42
HOA
$329
Vacancy / Maint / Mgmt
$220
Net cashflow
$-201

Break-even live

Break-even rent $1,300
Max offer price $71,890
Occupancy floor

Sensitivity live

Price -10% $-131 -5% $-166 +0% $-201 +5% $-236 +10% $-271
Rent -10% $-284 -5% $-242 +0% $-201 +5% $-160 +10% $-119
Rate -1.0pp $-150 -0.5pp $-175 base $-201 +0.5pp $-227 +1.0pp $-254

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
$25,250
Closing costs
$3,030
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
4390 Point Blvd Unit 119 Garland, TX 1.0 1.0 683 $910 $1.33 23d 1 0.05mi
4410 Point Blvd Unit 2 Garland, TX 2.0 1.0 744 $1,300 $1.75 93d 1 0.05mi
4410 Point Blvd Unit 1 Garland, TX 1.0 1.0 688 $950 $1.38 93d 1 0.05mi
4410 Point Blvd Unit 125 Garland, TX 1.0 1.0 744 $1,100 $1.48 93d 1 0.05mi
4358 Point Blvd Garland, TX 1.0–2.0 1.0–2.0 895 $735 $0.82 38d 19 0.07mi
4358 Point Blvd Unit 4400 Garland, TX 1.0 1.0 677 $819 $1.21 24d 1 0.07mi
4358 Point Blvd Unit 107 Garland, TX 1.0 1.0 677 $906 $1.34 0d 1 0.07mi
4358 Point Blvd Unit 121 Garland, TX 1.0 1.0 677 $860 $1.27 24d 1 0.07mi
4358 Point Blvd Unit 121 Garland, TX 1.0 1.0 677 $819 $1.21 25d 1 0.07mi
4351 Point Blvd Garland, TX 1.0–2.0 1.0–2.0 901 $930 $1.03 0d 14 0.07mi
4369 Point Blvd Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.08mi
6010 Marvin Loving Dr #101 Garland, TX 1.0 1.0 740 $1,295 $1.75 57d 1 0.10mi
4376 Point Blvd Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.12mi
5825 Marvin Loving Dr #205 Garland, TX 1.0 1.0 741 $1,450 $1.96 93d 1 0.15mi
5825 Marvin Loving Dr #202 Garland, TX 2.0 1.0 669 $1,400 $2.09 1d 1 0.15mi
5821 Marvin Loving Dr #105 Garland, TX 1.0 1.0 741 $1,250 $1.69 4d 1 0.15mi
4412 Chaha Rd Garland, TX 1.0–2.0 1.0 802 $1,097 $1.37 9d 2 0.17mi
4416 Chaha Rd #201 Garland, TX 1.0 1.0 664 $1,070 $1.61 93d 1 0.18mi
4420 Chaha Rd Garland, TX 1.0–2.0 1.0–2.0 734 $1,150 $1.57 64d 2 0.19mi
6127 Bay Island Dr Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.21mi
6141 Bay Island Dr Unit 119 Garland, TX 1.0 1.0 683 $910 $1.33 23d 1 0.21mi
5751 Marvin Loving Dr Garland, TX 1.0–2.0 1.0–2.0 797 $1,250 $1.57 71d 48 0.23mi
5751 Marvin Loving Dr Garland, TX 1.0–2.0 1.0–2.0 797 $1,250 $1.57 38d 48 0.23mi
4605 Chaha Rd Garland, TX 3.0 1.0–3.0 1247 $1,341 $1.07 39d 41 0.26mi
4288 Bass Pro Dr Garland, TX 1.0–2.0 1.0–2.0 858 $1,200 $1.40 3d 3 0.27mi
4605 Chaha Rd Unit 4647 Garland, TX 1.0 1.0 495 $867 $1.75 25d 1 0.27mi
4605 Chaha Rd Unit 107 Garland, TX 1.0 1.0 726 $857 $1.18 0d 1 0.27mi
4605 Chaha Rd Unit 4626 Garland, TX 1.0 1.0 726 $857 $1.18 25d 1 0.27mi
4637 Chaha Rd Unit 119 Garland, TX 1.0 1.0 683 $910 $1.33 23d 1 0.28mi
4623 Chaha Rd Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.29mi
4552 Chaha Rd Garland, TX 1.0–2.0 1.0–2.0 806 $1,400 $1.74 17d 2 0.30mi
4610 Chaha Rd Unit 206 Garland, TX 1.0 1.0 626 $995 $1.59 36d 1 0.31mi
4602 Chaha Rd #202 Garland, TX 1.0 1.0 717 $999 $1.39 0d 1 0.31mi
3102 Zion Rd Garland, TX 1.0 1.0 625 $855 $1.37 93d 1 0.40mi
5638 Marina Dr #22 Garland, TX 1.0 1.0 510 $1,000 $1.96 38d 1 0.54mi
4919 Peninsula Way Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.62mi
4901 Peninsula Way Garland, TX 1.0–3.0 1.0–2.0 978 $1,371 $1.40 0d 28 0.62mi
5013 Peninsula Way Garland, TX 1.0–3.0 1.0–2.0 1265 $1,077 $0.85 0d 9 0.66mi
5031 Peninsula Way Garland, TX 1.0 1.0 675 $890 $1.32 17d 1 0.67mi
5045 Peninsula Way Unit 119 Garland, TX 1.0 1.0 683 $910 $1.33 23d 1 0.68mi

Property features AI

Finance

Other
Lot is approximately 1.657 acres and listed as subdividedParcel number: 2617867000B000106
HOA & community
Mandatory associationMonthly association fee (includes full use of facilities, maintenance of grounds and structure, water and sewer)HOA management: AMGI (972-503-2644)

Exterior

Parking
Covered parking (6 spaces)Carport (6 spaces)Additional parking / parking lot
Utilities
Electricity connectedCity waterCity sewer
Home design
Residential condominiumAttached property2 stories totalFloor location: 1Subdivision: FAULKNER POINT 13-WINDJAMMERComplex: Faulkner Point 13-Windjam
Construction
Built in 1983
Exterior features
In-ground poolCurbsSidewalkCity waterCity sewer

Interior

Kitchen
DishwasherDisposalElectric cooktopElectric ovenElectric range
Bedrooms
Primary bedroom on level 1 (approx. 10 x 11)
Bathrooms
1 full bathroom
Heating & cooling
Central heatingCentral airCeiling fan(s)
Interior features
Open floorplanHigh-speed internet availableWet barWalk-in closet(s)One living areaOne dining area3 total roomsLevels: One
Laundry & utility
Stacked W/D areaWasher hookup

HOA detail $329/mo · $3,948/yr condo

Likely covers
watersewerelectriclandscapingpool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 30 events

  1. 2026-07-07
    days on market $101,000 Active 92 DOM
  2. 2026-07-06
    days on market $101,000 Active 91 DOM
  3. 2026-07-06
    days on market $101,000 Active 90 DOM
  4. 2026-07-05
    days on market $101,000 Active 89 DOM
  5. 2026-07-03
    days on market $101,000 Active 88 DOM
  6. 2026-07-02
    days on market $101,000 Active 87 DOM
  7. 2026-07-01
    days on market $101,000 Active 86 DOM
  8. 2026-06-30
    days on market $101,000 Active 85 DOM
  9. 2026-06-29
    days on market $101,000 Active 84 DOM
  10. 2026-06-28
    days on market $101,000 Active 83 DOM
  11. 2026-06-27
    days on market $101,000 Active 82 DOM
  12. 2026-06-26
    days on market $101,000 Active 81 DOM
  13. 2026-06-24
    days on market $101,000 Active 79 DOM
  14. 2026-06-22
    days on market $101,000 Active 77 DOM
  15. 2026-06-21
    days on market $101,000 Active 76 DOM
  16. 2026-06-18
    days on market $101,000 Active 73 DOM
  17. 2026-06-17
    price $101,000 Active 72 DOM
  18. 2026-06-17
    days on market $102,000 Active 72 DOM
  19. 2026-06-16
    days on market $102,000 Active 71 DOM
  20. 2026-06-15
    days on market $102,000 Active 70 DOM
  21. 2026-06-13
    days on market $102,000 Active 68 DOM
  22. 2026-06-09
    days on market $102,000 Active 64 DOM
  23. 2026-06-08
    days on market $102,000 Active 63 DOM
  24. 2026-06-07
    days on market $102,000 Active 62 DOM
  25. 2026-06-04
    pricedays on market $102,000 Active 59 DOM
  26. 2026-06-03
    days on market $103,000 Active 58 DOM
  27. 2026-06-02
    days on market $103,000 Active 57 DOM
  28. 2026-06-01
    days on market $103,000 Active 56 DOM
  29. 2026-05-31
    days on market $103,000 Active 55 DOM
  30. 2026-04-04
    listed $105,000 Active 1923-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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 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
$12,544
− Mortgage interest
−$5,658
− Property taxes
−$1,515
− Insurance
−$505
− Repairs & maintenance
−$1,004
− Management
−$1,004
− HOA
−$3,948
− Depreciation
−$2,938
Taxable loss
−$4,027
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$966
After-tax cash flow
$-1,448/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 80/100 Cosmetic rehab Est. rehab $3,285–$9,855 screening

This move-in ready condo is in good condition with recent upgrades and a prime location. It has potential for further value through interior updates.

Value-add opportunities

  • Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace carpet with hardwood — Hardwood flooring is more durable and adds value
  • Both Replace blinds with energy-efficient windows — Energy-efficient windows improve energy efficiency 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 33/100

Zoned Schools

Elementary Couch Collegiate Prep El Middle Coyle Middle F TX #1,200/1,662 Nat'l #9,979/14,009 High Lakeview Centennial H S F TX #821/1,632 Nat'l #8,293/17,239

Schools (NCES district)

District
Garland ISD
NCES district ID
4820340
Math proficiency
27% ▼ -23.00%
Reading proficiency
37% ▼ -10.00%
Median HH income
$58,392
Composite
28.63/100
National rank
#6706
State rank
#553 of 826 in TX
B Composite livability gradescore 74/100

Livability — Garland

Score
74/100
State rank
#165
US rank
#4447

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Garland, TX
County
Dallas County · 2,979,839 people
City population
246,342
Metro
Dallas-Fort Worth-Arlington, TX
Population (ZIP)
63,152
Household income
$76,778
Rent vs Own
37.8% rent · 62.2% own
Severe rent burden
13% of renters

Population outlook (Dallas County) Hauer SSP2

Today (2025)
2,979,839 people
By 2030
3,191,823 · +7.1%
By 2040
3,619,611 · +21.5%
By 2050
4,026,915 · +35.1%
By 2075
4,957,073 · +66.4%
By 2100
5,508,725 · +84.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.73)
Race & ethnicity
Hispanic / Latino 37% White 30% Two or more races 23% Black 21% Asian 8%
Hispanic origin (detail)
Mexican 29%
Common ancestry
Slovak 1% Portuguese 1% Lithuanian 1%
Foreign-born
24% · Canada, Vietnam
Languages at home
60% English-only · Spanish 31% Other Asian/Pacific 2% Vietnamese 2%

Political lean MEDSL · Dallas

2024 margin
Strong D (+22.2) · D 60.2% · R 38.0% · Other 1.8%
2008→2024 swing
+6.9pp toward D · 2008: 15.3pp · 2024: 22.2pp
All cycles
2024: D+22.2 2020: D+31.6 2016: D+26.2 2012: D+15.4 2008: D+15.3

Not yet ingested

Civics

Price history

-3.8% since first listed
5 events — show timeline
  • 2026-06-17 Price Changed $101,000 NTREIS
  • 2026-06-03 Price Changed $102,000 NTREIS
  • 2026-05-28 Price Changed $103,000 NTREIS
  • 2026-05-21 Price Changed $104,000 NTREIS
  • 2026-04-04 Listed $105,000 NTREIS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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