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105 Alvarado St
A- Composite 80.14
Why this score? — see what drove the A- 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
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +4.5/10.0
  • Livability +3.1/5.0
  • Schools +2.6/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$33,995

105 Alvarado St · Hebbronville, TX 78361
1 bd · 1.0 ba · 496 sqft · SingleFamily · 538 Days on market
Built 1950 7,000 sqft lot $69/sqft · 24% below area Est $45k · 24% under ↓ 11% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Owner financing Available Now at 0% interest! HOME AND METAL STORAGE CONTAINER FOR SALE! REDUCED PRICE! This gem is a steal! 40' x 8' - HUGE METAL CONTAINER included! Being a fixer upper just means there are many options! Located just half a black from State Highway 16 and no zoning means lots of possibilities! Property has been beautified with a custom wood and metal fence on the east side of the property. It sits adjacent to 2 popular restaurants. The lot is a whopping 50' x 140'. THE BONUS: an 8' x 40' metal storage container that can be converted to your new cabin - your "weekend stay" or "home away from home" while visiting relatives or go hunting in one of the many ranches/leases in South Texas. OWNER FINANCING AVAILABLE. CALL FOR DETAILS.

Key facts

  • 7,000 sq ft lot
  • Built 1950
  • Listed 538 days

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 1-bed/1.0-bath single-family listed at $34k.

Deal economics

  • At list price, monthly cash flow is $406 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($783 rent vs $34k).
  • Recommended offer: $30k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 61/100 on livability (#1,032 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, schools D-, amenities F.
  • Jim Hogg County ISD (town): math 31% / reading 31% proficiency, ranked #622 of 826 in TX (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 36 active listings in the ZIP.

Forward outlook

  • Local home prices are declining (-0.9%/yr); year-one equity from $235 of loan paydown is wiped out by about $325 of value loss. Plan a longer hold.
  • Jim Hogg County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-0.9% appreciation + 3.0% rent growth), your $10k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 538 days — a 12% lower offer ($30k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major flood risk; severe wind risk, 93% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $29,915 (12.0% below list)

Questions for the listing agent

  1. It's been on market 538 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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?
  7. 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.
  8. 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.
  9. 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
2.30%
Cap rate
20.64%
Cash-on-cash
51.23%
DSCR
3.28
GRM
3.6

CMA / ARV

ARV (median comp)
$45,000
List price
$33,995
Delta
-24.46%
Verdict
UNDERPRICED
Comps
3 within 1.0 mi

Projected returns pro-forma

-0.95% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
51.6%
Equity multiple
3.46×
Total profit
$23,387
Equity at exit
$8,279
10-year hold
IRR
55.0%
Equity multiple
6.94×
Total profit
$56,521
Equity at exit
$8,755

Cash invested: $9,519 (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 78361

Home prices YoY
-0.9%
Active inventory
36
Price-to-rent
3.6×

Monthly cashflow live

Estimated rent
$783 medium interval (Pro) →
Mortgage (P&I)
$178
Tax from tax record
$20 /mo · $239/yr
Insurance
$14
HOA
$0
Vacancy / Maint / Mgmt
$164
Net cashflow
$406

Break-even live

Break-even rent $269
Max offer price $33,995
Occupancy floor 43%

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
$8,499
Closing costs
$1,020
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 4 events

  1. 2026-05-09
    status Pending 779-char remark
    Show marketing remark (779 chars)

    Owner financing Available Now at 0% interest! HOME AND METAL STORAGE CONTAINER FOR SALE! REDUCED PRICE! This gem is a steal! 40' x 8' - HUGE METAL CONTAINER included! Being a fixer upper just means there are many options! Located just half a black from State Highway 16 and no zoning means lots of possibilities! Property has been beautified with a custom wood and metal fence on the east side of the property. It sits adjacent to 2 popular restaurants. The lot is a whopping 50' x 140'. THE BONUS: an 8' x 40' metal storage container that can be converted to your new cabin - your "weekend stay" or "home away from home" while visiting relatives or go hunting in one of the many ranches/leases in South Texas. OWNER FINANCING AVAILABLE. CALL FOR DETAILS.

  2. 2025-05-02
    listed $33,995 Active
  3. 2025-02-04
    price $33,995 779-char remark
    Show marketing remark (779 chars)

    Owner financing Available Now at 0% interest! HOME AND METAL STORAGE CONTAINER FOR SALE! REDUCED PRICE! This gem is a steal! 40' x 8' - HUGE METAL CONTAINER included! Being a fixer upper just means there are many options! Located just half a black from State Highway 16 and no zoning means lots of possibilities! Property has been beautified with a custom wood and metal fence on the east side of the property. It sits adjacent to 2 popular restaurants. The lot is a whopping 50' x 140'. THE BONUS: an 8' x 40' metal storage container that can be converted to your new cabin - your "weekend stay" or "home away from home" while visiting relatives or go hunting in one of the many ranches/leases in South Texas. OWNER FINANCING AVAILABLE. CALL FOR DETAILS.

  4. 2024-11-11
    listed $37,995 Active 779-char remark
    Show marketing remark (779 chars)

    Owner financing Available Now at 0% interest! HOME AND METAL STORAGE CONTAINER FOR SALE! REDUCED PRICE! This gem is a steal! 40' x 8' - HUGE METAL CONTAINER included! Being a fixer upper just means there are many options! Located just half a black from State Highway 16 and no zoning means lots of possibilities! Property has been beautified with a custom wood and metal fence on the east side of the property. It sits adjacent to 2 popular restaurants. The lot is a whopping 50' x 140'. THE BONUS: an 8' x 40' metal storage container that can be converted to your new cabin - your "weekend stay" or "home away from home" while visiting relatives or go hunting in one of the many ranches/leases in South Texas. OWNER FINANCING AVAILABLE. CALL FOR DETAILS.

ⓘ 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
$239 · $20/mo
Projected year-2 tax
$622 · $52/mo
Expected delta
+$383/yr (+$32/mo · 160.1%)

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

Climate risk First Street

  • 🌊 Flood 7/10 Severe 95% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 93% 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
$9,398
− Mortgage interest
−$1,904
− Property taxes
−$239
− Insurance
−$170
− Repairs & maintenance
−$752
− Management
−$752
− Depreciation
−$989
Taxable income
$4,592
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,102
After-tax cash flow
$3,774/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
Jim Hogg County ISD
NCES district ID
4824750
Math proficiency
31% ▼ -15.00%
Reading proficiency
31% ▼ -2.00%
Median HH income
$35,870
Composite
25.69/100
National rank
#7391
State rank
#622 of 826 in TX

Livability — Hebbronville

Score
61/100
State rank
#1032
US rank
#18361

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hebbronville, TX
Population (ZIP)
4,764

Population outlook (Jim Hogg County) Hauer SSP2

Today (2025)
5,023 people
By 2030
4,897 · -2.5%
By 2040
4,722 · -6.0%
By 2050
4,510 · -10.2%
By 2075
3,827 · -23.8%
By 2100
2,794 · -44.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (78%)
Race & ethnicity
Hispanic / Latino 78% Two or more races 40% White 21%
Hispanic origin (detail)
Mexican 76%
Foreign-born
1% · Canada
Languages at home
41% English-only · Spanish 58% Tagalog/Filipino 1%

Political lean MEDSL · Jim Hogg

2024 margin
Lean D (+8.3) · D 54.0% · R 45.7%
2008→2024 swing
-39.3pp toward R · 2008: 47.6pp · 2024: 8.3pp
All cycles
2024: D+8.3 2020: D+17.9 2016: D+56.9 2012: D+56.7 2008: D+47.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -0.95%
Current HPI
99.0946
Rent YoY
Metro
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-10.5% since first listed
4 events — show timeline
  • 2026-05-09 Pending CBMLS
  • 2025-05-02 Listed $33,995 LAOR
  • 2025-02-04 Price Changed $33,995 CBMLS
  • 2024-11-11 Listed $37,995 CBMLS

Property tax history

+3.9%/yr

Latest (2025): $239 · -3.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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