14107 Whisper Rill Ln #854 · Austin, TX 78660

$109,995

3 bd · 2.0 ba · 1,560 sqft · Manufactured · 34 Days on market

Built 2026 Excellent condition $71/sqft · 63% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Condition / age +4.8/5.0
• Livability +4.1/5.0
• Schools +3.4/10.0
• Rent growth +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home! This brand-new manufactured home offers a fresh start with modern finishes and a thoughtful layout designed for comfortable, everyday living. Featuring 3 spacious bedrooms and 2 full bathrooms, there's plenty of room for the whole family. One of the standout features of this home is the large pantry a rare find that provides generous storage space for all your kitchen essentials and more. The open layout ensures you'll never feel cramped, with plenty of room to spread out, entertain, or simply relax. Best of all, this home is carpet-free throughout easy to clean, allergy-friendly, and beautifully low maintenance. Whether you have kids, pets, or just prefer a cleaner look, the

Key facts

• Carpet-free
• Large pantry
• Built 2026

Tags

• LARGE PANTRY
• CARPET-FREE
• HARD-SURFACE FLOORING

Property features AI

Finance

• Other: Listing status: Active; Listing last modified May 15, 2026
• Financial info: List price $109,995

Exterior

• Home design: Spec new construction
• Construction: Address: 14107 Whisper Rill Ln #854, Pflugerville, TX 78660
• Exterior features: Living area approximately 1,560

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Open living area

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $110k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $884 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $107k (3.0% below list) — sets the bar for market timing.
• Cap rate 15.9% vs local median 1.8% in Austin — 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 82/100 on livability (#16 in TX, #1,208 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, employment A+; Watch: cost of living D, crime F.
• Pflugerville ISD (suburban): math 33% / reading 42% proficiency, ranked #421 of 826 in TX (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-2.0%/yr); 1011 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 17,121 units permitted in Travis County in 2024 (11,963 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Travis County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $31k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($107k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $106,695 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 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. 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?
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: 1.89% ✓
• Cap rate: 15.94%
• Cash-on-cash: 34.46%
• DSCR: 2.53
• GRM: 4.4

CMA / ARV

• ARV (median comp): $295,000
• List price: $109,995
• Delta: -62.71%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 26.5%
• Equity multiple: 2.05×
• Total profit: $32,439
• Equity at exit: $16,401

10-year hold

• IRR: 32.2%
• Equity multiple: 3.51×
• Total profit: $77,335
• Equity at exit: $9,510

Cash invested: $30,799 (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 78660

• Home prices YoY: -34.0%
• Rents YoY: -2.0%
• Active inventory: 1011
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $2,082 high
• Mortgage (P&I): −$577
• Tax est. 1.5%: −$137 /mo · $1,650/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $884

Break-even live

Break-even rent $962

Max offer price $109,995

Occupancy floor 53%

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: $27,499
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3300 Golden Aspen Loop Pflugerville, TX	3.0	2.0	1140	$1,449	$1.27	12d	1	0.16mi
2800 Halite Bnd #1105 Pflugerville, TX	3.0	2.0	1250	$1,700	$1.36	17d	1	0.29mi
14417 Koti Way Pflugerville, TX	3.0	2.0	1474	$1,999	$1.36	43d	1	0.34mi
14408 Koti Way Pflugerville, TX	4.0	2.0	1668	$2,200	$1.32	43d	1	0.37mi
2808 Schwartz Ln Pflugerville, TX	3.0	2.0	1479	$1,900	$1.28	17d	1	0.41mi
2920 Tweedy Trl Pflugerville, TX	3.0	2.0	1481	$5,000	$3.38	11d	1	0.42mi
14105 Cantarra Dr Pflugerville, TX	4.0	2.0	1992	$2,250	$1.13	23d	1	0.52mi
2612 Schwartz Ln Pflugerville, TX	4.0	2.0	1653	$2,099	$1.27	10d	1	0.52mi
14013 Heywood Dr Pflugerville, TX	4.0	2.0	1672	$2,195	$1.31	23d	1	0.55mi
14108 Boquist Dr Pflugerville, TX	4.0	2.0	1999	$2,200	$1.10	44d	1	0.60mi
3103 Crystal Bend Dr Pflugerville, TX	4.0	2.5	2189	$2,200	$1.01	23d	1	0.64mi
14101 Heimhome Bnd Pflugerville, TX	4.0	2.5	1984	$2,100	$1.06	43d	1	0.68mi
2541 Forgetmenot Ln Pflugerville, TX	4.0	2.5	2003	$2,400	$1.20	43d	1	0.76mi
2537 Forgetmenot Ln Pflugerville, TX	3.0	2.0	1276	$1,850	$1.45	16d	1	0.77mi
13701 Sloan St Pflugerville, TX	4.0	2.5	2121	$2,705	$1.28	43d	1	0.83mi
2601 Crystal Bend Dr Pflugerville, TX	3.0–4.0	2.0–2.5	1761	$2,372	$1.35	1d	1	0.86mi
2916 Bronx Dr Pflugerville, TX	4.0	2.5	2081	$2,800	$1.35	23d	1	0.91mi
1608 Purple Martin Dr Pflugerville, TX	3.0	2.0	1470	$2,200	$1.50	23d	1	0.94mi
3304 Ortman Dr Pflugerville, TX	3.0	2.5	1795	$2,150	$1.20	4d	1	0.95mi
2913 Saint Regis Dr Pflugerville, TX	4.0	2.5	2157	$2,200	$1.02	21d	1	0.98mi
14708 Immanuel Rd Pflugerville, TX	1.0–2.0	1.0–2.0	867	$1,654	$1.91	1d	12	1.09mi
2714 Towy Rd Pflugerville, TX	3.0	2.0	1450	$2,000	$1.38	23d	1	1.11mi
2615 Derwent Dr Pflugerville, TX	4.0	2.0	1468	$2,195	$1.50	2d	1	1.11mi
2612 Towy Rd Pflugerville, TX	3.0	2.0	1533	$2,195	$1.43	4d	1	1.14mi
2710 Paragon Fox Dr Pflugerville, TX	3.0	2.5	1796	$2,300	$1.28	43d	1	1.17mi
2702 Paragon Fox Dr Pflugerville, TX	2.0	2.0	1320	$1,900	$1.44	43d	1	1.18mi
15409 Flowers Vw Pflugerville, TX	4.0	3.0	2201	$2,599	$1.18	43d	1	1.19mi
2700 E Howard Ln Manor, TX	2.0	1.0–2.0	890	$1,819	$2.04	1d	52	1.20mi
15421 Flowers Vw Pflugerville, TX	3.0	2.0	1528	$2,200	$1.44	20d	1	1.21mi
2500 E Howard Ln Manor, TX	3.0	1.0–3.5	1245	$3,166	$2.54	1d	50	1.23mi
2805 Totley Rd Pflugerville, TX	3.0	2.0	1450	$2,099	$1.45	43d	1	1.27mi
13309 Riding Dr Pflugerville, TX	4.0	2.0	1468	$2,195	$1.50	17d	1	1.27mi
2606 Totley Rd Pflugerville, TX	3.0	2.0	1234	$2,190	$1.77	2d	1	1.29mi
4713 Canongate Dr Pflugerville, TX	3.0	2.5	2099	$2,199	$1.05	23d	1	1.33mi
2908 E Howard Ln Manor, TX	1.0–3.0	1.0–2.0	970	$2,151	$2.22	2d	66	1.35mi
3401 Bach Dr Unit 1 Pflugerville, TX	3.0	2.0	1401	$2,274	$1.62	23d	1	1.36mi
3401 Bach Dr Pflugerville, TX	3.0	2.0	1401	$2,274	$1.62	2d	1	1.36mi
1203 Pigeon Forge Rd Pflugerville, TX	3.0	2.0	1858	$2,400	$1.29	23d	1	1.37mi
2500 E Howard Ln Unit 2533 Pflugerville, TX	3.0	2.0	1537	$2,124	$1.38	2d	1	1.39mi
3009 Armidale Dr Pflugerville, TX	3.0	2.0	2162	$2,400	$1.11	23d	1	1.41mi

Listing history 14 events

1. 2026-06-18
   days on market $109,995 Active 34 DOM
2. 2026-06-17
   days on market $109,995 Active 33 DOM
3. 2026-06-16
   days on market $109,995 Active 32 DOM
4. 2026-06-15
   days on market $109,995 Active 31 DOM
5. 2026-06-13
   days on market $109,995 Active 29 DOM
6. 2026-06-09
   days on market $109,995 Active 25 DOM
7. 2026-06-08
   days on market $109,995 Active 24 DOM
8. 2026-06-07
   days on market $109,995 Active 23 DOM
9. 2026-06-05
   days on market $109,995 Active 20 DOM
10. 2026-06-03
    days on market $109,995 Active 19 DOM
11. 2026-06-02
    days on market $109,995 Active 18 DOM
12. 2026-06-01
    days on market $109,995 Active 17 DOM
13. 2026-05-31
    days on market $109,995 Active 16 DOM
14. 2026-05-15
    listed $109,995 Active 892-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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,982
• − Mortgage interest: −$6,161
• − Property taxes: −$1,650
• − Insurance: −$550
• − Repairs & maintenance: −$1,999
• − Management: −$1,999
• − Depreciation: −$3,200
• Taxable income: $9,423
• Est. tax owed @ 24.0%: −$2,262
• After-tax cash flow: $8,352/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 · 2 photos

Excellent 95/100 None rehab

This brand-new manufactured home offers a fresh start with modern finishes and a thoughtful layout, making it a move-in-ready property with excellent condition and minimal maintenance needs.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhancing the landscaping and curb appeal can increase both the resale and rental value of the home.
• Both Interior updates — Updating the interior can improve the home's appeal and functionality, making it more attractive to potential buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhancing the landscaping and curb appeal can increase both the resale and rental value of the home. ↑
• Both Interior updates — Updating the interior can improve the home's appeal and functionality, making it more attractive to potential buyers and renters. ↑

ⓘ 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: Pflugerville ISD
• NCES district ID: 4834830
• Math proficiency: 33% ▼ -16.00%
• Reading proficiency: 42% ▼ -7.00%
• Median HH income: $66,723
• Composite: 33.99/100
• National rank: #5321
• State rank: #421 of 826 in TX

Livability — Austin

• Score: 82/100
• State rank: #16
• US rank: #1208

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Travis County · 1,299,254 people
• City population: 1,066,854
• Metro: Austin-Round Rock-Georgetown, TX
• Population (ZIP): 124,834
• Household income: $113,205
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 3347.0

Population outlook (Travis County) Hauer SSP2

• Today (2025): 1,545,133 people
• By 2030: 1,729,269 · +11.9%
• By 2040: 2,097,596 · +35.8%
• By 2050: 2,463,890 · +59.5%
• By 2075: 3,249,374 · +110.3%
• By 2100: 3,801,868 · +146.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: Hispanic / Latino 35% White 34% Two or more races 19% Black 16% Asian 10%
• Hispanic origin (detail): Mexican 25% Puerto Rican 2% Cuban 2%
• Common ancestry: Lithuanian 4% Slovak 3% Italian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 69% English-only · Spanish 19% Other Indo-European 3% Vietnamese 3%

Political lean MEDSL · Travis

• 2024 margin: Solid D (+39.3) · D 68.8% · R 29.4% · Other 1.8%
• 2008→2024 swing: +9.9pp toward D · 2008: 29.4pp · 2024: 39.3pp
• All cycles: 2024: D+39.3 2020: D+45.0 2016: D+38.9 2012: D+23.9 2008: D+29.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -116.36%
• Current HPI: 225.8781
• Rent YoY: ▼ -2.03%
• Metro: Austin-Round Rock-Georgetown, 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