701 S 19th St · Temple, TX 76504

$142,400

4 bd · 1.5 ba · 1,296 sqft · Land · 1 Days on market

Built 1965 0.33 ac lot

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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).

• Cash flow +19.6/30.0
• ARV discount +7.5/15.0
• DSCR +6.2/10.0
• 1% rule +5.2/10.0
• Livability +3.8/5.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Buyer to confirm.

Key facts

• 0.33 acre lot
• Built 1965

Property features AI

Exterior

• Utilities: Public water; Electricity available; Cable available; High-speed internet available; Public trash collection
• Home design: Single-story home; Resale property
• Construction: Metal siding; Shingle/composition roof; Pillar/post/pier foundation; Year built per assessor
• Exterior features: Back yard fencing; No additional exterior features listed; City lot; Road frontage on a city street; Less than a quarter acre

Interior

• Kitchen: Electric cooktop; Microwave; Refrigerator; Some electric appliances
• Flooring: Carpet; Hardwood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Has heating; One cooling unit
• Interior features: All bedrooms on the main level; Ceiling fans; Breakfast bar; See remarks
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath land listed at $142k.

Deal economics

• At list price, monthly cash flow is $163 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $142k).
• Cap rate 7.7% vs local median 3.6% in Temple — 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 (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 278 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 33% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $985 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 14y ago; this cycle's ask is 103% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Recommended offer $142,400

Questions for the listing agent

1. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is D 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?
4. 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?
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: 1.02% ✓
• Cap rate: 7.67%
• Cash-on-cash: 4.92%
• DSCR: 1.22
• GRM: 8.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.33% rent growth · sell at horizon

5-year hold

• IRR: -11.7%
• Equity multiple: 0.59×
• Total profit: $-16,445
• Equity at exit: $21,232

10-year hold

• IRR: -7.0%
• Equity multiple: 0.61×
• Total profit: $-15,613
• Equity at exit: $12,312

Cash invested: $39,872 (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 76504

• Rents YoY: 0.3%
• Active inventory: 278
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,453 high
• Mortgage (P&I): −$747
• Tax est. 1.5%: −$178 /mo · $2,136/yr
• Insurance: −$59
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $163

Break-even live

Break-even rent $1,246

Max offer price $142,400

Occupancy floor 84%

Sensitivity live

Price	-10% $262	-5% $213	+0% $163	+5% $114	+10% $65
Rent	-10% $49	-5% $106	+0% $163	+5% $221	+10% $278
Rate	-1.0pp $235	-0.5pp $200	base $163	+0.5pp $127	+1.0pp $89

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: $35,600
• Closing costs: $4,272
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
806 S 23rd St Temple, TX	3.0	2.0	1000	$1,445	$1.45	15d	1	0.20mi
902 S 23rd St Temple, TX	3.0	1.0	1040	$1,200	$1.15	25d	1	0.23mi
1117 S 9th St Unit B Temple, TX	3.0	1.0	900	$850	$0.94	25d	1	0.42mi
1001 S 29th St Temple, TX	3.0	1.0	1080	$1,400	$1.30	25d	1	0.44mi
1317 S 15th St Temple, TX	3.0	1.0	1751	$1,495	$0.85	25d	1	0.47mi
1101 S 3rd St Temple, TX	3.0	1.0	1404	$1,200	$0.85	25d	1	0.53mi
1407 S 5th St Temple, TX	3.0	2.5	1300	$1,465	$1.13	15d	1	0.64mi
1002 S 2nd St Temple, TX	3.0	1.0	1064	$1,325	$1.25	23d	1	0.65mi
205 N 21st St Temple, TX	3.0	1.0	950	$998	$1.05	45d	1	0.71mi
1806 S 19th St Temple, TX	3.0	2.0	1640	$1,300	$0.79	25d	1	0.76mi
1809 S 13th St Temple, TX	3.0	1.5	1172	$1,350	$1.15	45d	1	0.78mi
814 S Martin Luther King Blvd Temple, TX	3.0	2.0	1035	$1,100	$1.06	15d	1	0.80mi
2007 S 9th St Temple, TX	3.0	2.0	1484	$1,398	$0.94	15d	1	0.93mi
1609 S 39th St Temple, TX	3.0	1.0	1207	$1,500	$1.24	45d	1	0.95mi
2017 S 13th St Temple, TX	3.0	2.0	1429	$1,525	$1.07	25d	1	0.95mi
1020 S 12th St Unit 12th St unit 1020 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	45d	1	0.96mi
1407 Martin Luther King Junior Ln Unit A Temple, TX	3.0	2.5	1300	$1,700	$1.31	45d	1	0.96mi
1219 S 10th St Temple, TX	3.0	1.0	1080	$1,050	$0.97	45d	1	0.98mi
15 S 10th St Temple, TX	3.0	1.0	916	$950	$1.04	45d	1	1.00mi
1214 S 12th St Unit 12th St unit 1214 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	45d	1	1.01mi
1519 S 43rd St Temple, TX	3.0	2.0	1400	$1,595	$1.14	15d	1	1.03mi
1508 S 43rd St Temple, TX	3.0	2.0	1164	$1,495	$1.28	45d	1	1.04mi
2110 S 5th St Unit B Temple, TX	3.0	2.0	1194	$1,195	$1.00	45d	1	1.05mi
603 East Avenue M Unit B Temple, TX	3.0	1.0	900	$945	$1.05	45d	1	1.06mi
703 S 16th St Temple, TX	3.0	2.0	1090	$1,035	$0.95	15d	1	1.09mi
509 S 16th St Temple, TX	3.0	2.0	1090	$1,065	$0.98	15d	1	1.10mi
505 S 16th St Temple, TX	3.0	2.0	1090	$1,070	$0.98	15d	1	1.10mi
1401 S 47th St Temple, TX	3.0	1.0	1204	$1,395	$1.16	45d	1	1.10mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	15d	1	1.11mi
708 Henderson St Temple, TX	3.0	2.0	1090	$1,025	$0.94	15d	1	1.11mi
2012 S 31st St Temple, TX	3.0	2.0	1273	$1,919	$1.51	45d	1	1.13mi
804 N 7th St Temple, TX	3.0	2.0	1650	$1,500	$0.91	45d	1	1.14mi
503 Henderson St Temple, TX	3.0	2.0	1090	$1,015	$0.93	15d	1	1.15mi
501 Henderson St Temple, TX	4.0	2.0	1223	$1,050	$0.86	15d	1	1.15mi
717 N 3rd St Temple, TX	3.0	2.0	1281	$1,695	$1.32	23d	1	1.16mi
518 S Knob St Unit B Temple, TX	3.0	2.0	1090	$1,015	$0.93	15d	1	1.17mi
2102 Scott Blvd Temple, TX	1.0–3.0	1.0–2.0	924	$2,165	$2.34	15d	22	1.20mi
1817 S 45th St Temple, TX	3.0	2.0	1288	$1,495	$1.16	25d	1	1.22mi
903 S 18th St Temple, TX	3.0	2.0	1144	$1,295	$1.13	15d	1	1.25mi
720 Frank Weise Blvd Unit A Temple, TX	3.0	2.0	1400	$1,600	$1.14	15d	1	1.28mi

Listing history 1 events

1. 2026-06-16
   listed $142,400 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $17,431
• − Mortgage interest: −$7,977
• − Property taxes: −$2,136
• − Insurance: −$712
• − Repairs & maintenance: −$1,394
• − Management: −$1,394
• − Depreciation: −$4,143
• Taxable loss: −$325
• Est. tax savings @ 24.0%: +$78
• After-tax cash flow: $2,039/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 26,166
• Household income: $52,803
• Rent vs Own: 68.6% rent · 31.4% own
• Severe rent burden: 1489.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 29% Black 15% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -159.28%
• Current HPI: 186.1148
• Rent YoY: ▲ 0.33%
• Metro: Killeen-Temple, 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

+600.0% since first listed

6 events — show timeline

• 2022-05-13 Sold (MLS) — Unlock MLS
• 2022-05-03 Pending — Unlock MLS
• 2022-03-24 Listed $69,999 Unlock MLS
• 2018-10-24 Listing Removed — CTXMLS
• 2018-03-15 Listed $20,000 CTXMLS
• 2012-05-19 Listed $10,000 CTXMLS